US Metro BancorpUSMT 65 PB Ratio is 0.60 as of Jun. 25, 2026, which is 7% above its 10-year median of 0.56. GuruFocus rates USMT with a GF Score™ of 65/100 and a GF Value™ of $5.45 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,515 Banks companies, US Metro Bancorp ranks better than 84.03% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-06-25), US Metro Bancorp's share price is $5.71. US Metro Bancorp's Book Value per Share for the quarter that ended in Mar. 2026 was $9.48. Hence, US Metro Bancorp's PB Ratio of today is 0.60.
Good Sign:
US Metro Bancorp stock PB Ratio (=0.59) is close to 1-year low of 0.55.
The historical rank and industry rank for US Metro Bancorp's PB Ratio or its related term are showing as below:
USMT'
s PB Ratio Range Over the Past 10 Years
Min: 0.42 Med: 0.56 Max: 0.85
Current: 0.6
During the past 8 years, US Metro Bancorp's highest PB Ratio was 0.85. The lowest was 0.42. And the median was 0.56.
USMT's PB Ratio is ranked better than 84.03% of 1515
companies
in the Banks industry
Industry Median: 1.08
vs USMT: 0.60
During the past 12 months, US Metro Bancorp's average Book Value Per Share Growth Rate was 23.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 9.10% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 11.30% per year.
During the past 8 years, the highest 3-Year average Book Value Per Share Growth Rate of US Metro Bancorp was 15.20% per year. The lowest was 9.00% per year. And the median was 13.70% per year.
Back to Basics: PB Ratio
US Metro Bancorp (OTCPK:USMT) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
US Metro Bancorp PB Ratio Related Terms
US Metro Bancorp PB Ratio Historical Data
* Premium members only.
The historical data trend for US Metro Bancorp's PB Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, US Metro Bancorp's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
US Metro Bancorp PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, US Metro Bancorp's PB Ratio distribution charts can be found below:
* The bar in red indicates where US Metro Bancorp's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
US Metro Bancorp (USMT) has a PB Ratio of 0.60 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on US Metro Bancorp and its competitors. This is near median its historical median of 0.56. Over the past decade, US Metro Bancorp's PB Ratio has ranged from 0.42 to 0.85. According to the industry distribution chart, US Metro Bancorp ranks #242 out of 1515 companies in the Banks industry, placing it in the top 16%.
Is US Metro Bancorp's PB Ratio too high?
US Metro Bancorp's current PB Ratio of 0.60 is near median its 10-year median of 0.56. Over the past 10 years, this metric has ranged from a low of 0.42 to a high of 0.85. The Banks industry median PB Ratio is 1.08. US Metro Bancorp's value of 0.60 is 44.4% below this industry median. Based on the distribution chart, US Metro Bancorp ranks #242 out of 1515 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, US Metro Bancorp has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does US Metro Bancorp's PB Ratio compare to SEBC and SSBI?
According to the Banks industry distribution chart, US Metro Bancorp ranks #242 out of 1515 companies for PB Ratio. This places US Metro Bancorp in the top 16% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.08. US Metro Bancorp's value of 0.60 is 44.4% below this benchmark. Historically, US Metro Bancorp's own PB Ratio has ranged from 0.42 to 0.85 over the past decade. While the company's 10-year median is 0.56 vs. the industry median of 1.08, US Metro Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.08, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. US Metro Bancorp's current PB Ratio of 0.60 is 44.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on US Metro Bancorp and its competitors. For the Banks industry, the median PB Ratio is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. US Metro Bancorp's current PB Ratio is 0.60, which is near median its own 10-year median of 0.56. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is US Metro Bancorp stock overvalued right now?
Based on GuruFocus' analysis, US Metro Bancorp (USMT) is currently considered Fairly Valued. The stock's GF Value™ is $5.45, compared to a current price of $5.71 — trading 4.8% above its estimated fair value. The current PB Ratio is 0.60, which is near median its 10-year median of 0.56 and 44.4% below the Banks industry median of 1.08. US Metro Bancorp's overall GF Score™ is 65/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For US Metro Bancorp (USMT), the current PB Ratio is 0.60 as of Jun. 25, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is US Metro Bancorp (USMT) Overvalued in 2026?
Based on GuruFocus' analysis, US Metro Bancorp stock appears to be overvalued.
The current stock price of $5.71 is trading 4.8% above its estimated GF Value™ of $5.45.
GuruFocus considers US Metro Bancorp to be Fairly Valued.
Key valuation signals for USMT:
PB Ratio: 0.60 (near median its 10-year median of 0.56)
GF Value™: $5.45 vs. price of $5.71 (4.8% above fair value)
Industry Position: 44.4% below the Banks median (#242 of 1515)
No single metric tells the full story. See the USMT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
US Metro Bancorp is a bank holding company. Through its banking subsidiary, it provides a full range of banking services to commercial businesses and individual consumers. These services mainly include personal savings accounts, online and mobile banking services, business checking accounts, certificate of deposit, consumer loans, commercial loans, treasury management solutions, business loans, wire transfers, and ATM services, among others. The Group operates through a network of branches and loan production offices located across different cities in the United States.
65GF Score
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