Woodsboro Bk MDWOBK 57 PB Ratio is 1.05 as of Jul. 01, 2026, which is 14% above its 10-year median of 0.92. GuruFocus rates WOBK with a GF Score™ of 57/100 and a GF Value™ of $64.96 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,517 Banks companies, Woodsboro Bk MD ranks better than 54.12% 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 (2026-07-01), Woodsboro Bk MD's share price is $85.00. Woodsboro Bk MD's Book Value per Share for the quarter that ended in Dec. 2025 was $80.67. Hence, Woodsboro Bk MD's PB Ratio of today is 1.05.
Warning Sign:
Woodsboro Bk MD stock PB Ratio (=1.02) is close to 3-year high of 1.11.
The historical rank and industry rank for Woodsboro Bk MD's PB Ratio or its related term are showing as below:
WOBK'
s PB Ratio Range Over the Past 10 Years
Min: 0.64 Med: 0.92 Max: 1.15
Current: 1.05
During the past 7 years, Woodsboro Bk MD's highest PB Ratio was 1.15. The lowest was 0.64. And the median was 0.92.
WOBK's PB Ratio is ranked better than 54.12% of 1517
companies
in the Banks industry
Industry Median: 1.09
vs WOBK: 1.05
During the past 12 months, Woodsboro Bk MD's average Book Value Per Share Growth Rate was 32.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 25.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 3.30% per year.
During the past 7 years, the highest 3-Year average Book Value Per Share Growth Rate of Woodsboro Bk MD was 25.20% per year. The lowest was -11.10% per year. And the median was -4.40% per year.
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.
Woodsboro Bk MD PB Ratio Related Terms
Woodsboro Bk MD PB Ratio Historical Data
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The historical data trend for Woodsboro Bk MD'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, Woodsboro Bk MD'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.
Woodsboro Bk MD PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Woodsboro Bk MD's PB Ratio distribution charts can be found below:
* The bar in red indicates where Woodsboro Bk MD'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.
Woodsboro Bk MD's PB Ratio for today is calculated as follows:
* 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.
Woodsboro Bk MD (WOBK) has a PB Ratio of 1.05 as of Jul. 01, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Woodsboro Bk MD and its competitors. This is 14% above median its historical median of 0.92. Over the past decade, Woodsboro Bk MD's PB Ratio has ranged from 0.64 to 1.15. According to the industry distribution chart, Woodsboro Bk MD ranks #696 out of 1517 companies in the Banks industry, placing it in the top 45.9%.
Is Woodsboro Bk MD's PB Ratio too high?
Woodsboro Bk MD's current PB Ratio of 1.05 is 14% above median its 10-year median of 0.92. Over the past 10 years, this metric has ranged from a low of 0.64 to a high of 1.15. The Banks industry median PB Ratio is 1.09. Woodsboro Bk MD's value of 1.05 is 3.7% below this industry median. Based on the distribution chart, Woodsboro Bk MD ranks #696 out of 1517 companies in the Banks industry, which is above the industry midpoint. Overall, Woodsboro Bk MD has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Woodsboro Bk MD's PB Ratio compare to FBPA and RBNK?
According to the Banks industry distribution chart, Woodsboro Bk MD ranks #696 out of 1517 companies for PB Ratio. This puts Woodsboro Bk MD in the upper half of its industry. The industry median PB Ratio is 1.09. Woodsboro Bk MD's value of 1.05 is 3.7% below this benchmark. Historically, Woodsboro Bk MD's own PB Ratio has ranged from 0.64 to 1.15 over the past decade. While the company's 10-year median is 0.92 vs. the industry median of 1.09, Woodsboro Bk MD 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 1.09, based on 1,517 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. Woodsboro Bk MD's current PB Ratio of 1.05 is 3.7% 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 Woodsboro Bk MD 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. Woodsboro Bk MD's current PB Ratio is 1.05, which is 14% above median its own 10-year median of 0.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Woodsboro Bk MD stock overvalued right now?
Based on GuruFocus' analysis, Woodsboro Bk MD (WOBK) is currently considered Significantly Overvalued. The stock's GF Value™ is $64.96, compared to a current price of $85.00 — trading 30.8% above its estimated fair value. The current PB Ratio is 1.05, which is 14% above median its 10-year median of 0.92 and 3.7% below the Banks industry median of 1.09. Woodsboro Bk MD's overall GF Score™ is 57/100 with 4 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 Woodsboro Bk MD (WOBK), the current PB Ratio is 1.05 as of Jul. 01, 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 Woodsboro Bk MD (WOBK) Overvalued in 2026?
Based on GuruFocus' analysis, Woodsboro Bk MD stock appears to be overvalued.
The current stock price of $85.00 is trading 30.8% above its estimated GF Value™ of $64.96.
GuruFocus considers Woodsboro Bk MD to be Significantly Overvalued.
Key valuation signals for WOBK:
PB Ratio: 1.05 (14% above median its 10-year median of 0.92)
GF Value™: $64.96 vs. price of $85.00 (30.8% above fair value)
Industry Position: 3.7% below the Banks median (#696 of 1517)
No single metric tells the full story. See the WOBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Woodsboro Bk MD provides a variety of financial services to individuals and corporate customers in its principal market area of Frederick County, Maryland through its five offices in Woodsboro, Frederick, and Thurmont, Maryland. The Bank's loans are categorized into seven segments: commercial real estate, residential real estate, multifamily real estate, real estate construction, other construction and land development, commercial and consumer loans.
57GF Score
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