WCFB (WCF Bancorp) PB Ratio: 0.56 (As of Jun. 27, 2026)


WCFB WCF Bancorp Inc WCFB
12 GF Score
Price $6.05
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What is WCF Bancorp PB Ratio?

WCF Bancorp WCFB 12 PB Ratio is 0.56 as of Jun. 27, 2026. GuruFocus rates WCFB with a GF Score™ of 12/100.

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 (2026-06-27), WCF Bancorp's share price is $6.05. WCF Bancorp's Book Value per Share for the quarter that ended in Dec. 2018 was $10.84. Hence, WCF Bancorp's PB Ratio of today is 0.56.

The historical rank and industry rank for WCF Bancorp's PB Ratio or its related term are showing as below:

WCFB's PB Ratio is not ranked *
in the Banks industry.
Industry Median: 1.09
* Ranked among companies with meaningful PB Ratio only.

Back to Basics: PB Ratio


WCF Bancorp  (OTCPK:WCFB) PB Ratio Explanation

Unlike valuation ratios relative to the earning power such as PE Ratio, PE Ratio without NRI, PS Ratio, Price-to-Operating-Cash-Flow , or Price-to-Free-Cash-Flow, the PB Ratio measures the valuation of the stock relative to the underlying asset of the company.

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.


WCF Bancorp PB Ratio Related Terms


WCF Bancorp PB Ratio Historical Data

* Premium members only.

The historical data trend for WCF 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.

WCF Bancorp PB Ratio Chart

WCF Bancorp Annual Data
Trend Dec01 Dec02 Dec03 Dec04 Dec05 Dec06 Dec15 Dec16 Dec17 Dec18
PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.00 2.18 0.89 0.86 0.76

WCF Bancorp Semi-Annual Data
Dec97 Dec98 Dec99 Dec00 Dec01 Dec02 Dec03 Dec04 Dec05 Dec06 Dec15 Dec16 Dec17 Dec18
PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.00 2.18 0.89 0.86 0.76

WCFB vs FNFI, LBNW, ASCN: PB Ratio Comparison

For the Banks - Regional subindustry, WCF 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.


WCF Bancorp PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, WCF Bancorp's PB Ratio distribution charts can be found below:

* The bar in red indicates where WCF Bancorp's PB Ratio falls into.


WCFB
12GF Score
WCF Bancorp Inc WCFB
PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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WCF Bancorp PB Ratio Calculation

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.

WCF Bancorp's PB Ratio for today is calculated as follows:

PB Ratio=Share Price/Book Value per Share (Q: Dec. 2018)
=6.05/10.84
=0.56

* 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.

Frequently Asked Questions Learn more about PB Ratio →
What does a PB Ratio of 0.56 mean?
WCF Bancorp (WCFB) has a PB Ratio of 0.56 as of Jun. 27, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on WCF Bancorp and its competitors.
Is WCF Bancorp's PB Ratio too high?
WCF Bancorp's current PB Ratio is 0.56. The Banks industry median PB Ratio is 1.09. WCF Bancorp's value of 0.56 is 48.6% below this industry median. Overall, WCF Bancorp has a GF Score™ of 12/100, reflecting its overall financial health beyond just this single metric.
How does WCF Bancorp's PB Ratio compare to FNFI and LBNW?
WCF Bancorp's PB Ratio of 0.56 can be compared against companies in the Banks industry. The industry median PB Ratio is 1.09. WCF Bancorp's value of 0.56 is 48.6% below this benchmark. 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 1.09, based on 1,516 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. WCF Bancorp's current PB Ratio of 0.56 is 48.6% 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 WCF Bancorp and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. WCF Bancorp's current PB Ratio is 0.56. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is WCF Bancorp stock overvalued right now?
WCF Bancorp (WCFB) has a current PB Ratio of 0.56. The current PB Ratio is 0.56 and 48.6% below the Banks industry median of 1.09. WCF Bancorp's overall GF Score™ is 12/100. 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 WCF Bancorp (WCFB), the current PB Ratio is 0.56 as of Jun. 27, 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.

WCF Bancorp Business Description

Address 401 Fair Meadow Drive, P.O. Box 638, Webster City, IA, USA, 50595
WCF Bancorp Inc is a bank holding company for WCF Financial Bank. The Bank has full-service offices in Webster City, Independence and Tama, Iowa. The primary business activities include accepting deposits from individual, corporate, and public clients and investing those deposits in real estate, agricultural, commercial, and personal loans. Its various banking and financial services and product offerings include credit and debit cards, loans, checking accounts, business loans, agricultural loans, business credit cards, and money market accounts, among others. The Bank provides banking services to its local respective markets.
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PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$6.05
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