West Shore BankWSSH 56 PB Ratio is 0.92 as of Jun. 26, 2026, which is 16% above its 10-year median of 0.79. GuruFocus rates WSSH with a GF Score™ of 56/100 and a GF Value™ of $34.87 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,516 Banks companies, West Shore Bank ranks better than 64.25% 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 (2026-06-26), West Shore Bank's share price is $42.80. West Shore Bank's Book Value per Share for the quarter that ended in Dec. 2025 was $46.35. Hence, West Shore Bank's PB Ratio of today is 0.92.
Warning Sign:
West Shore Bank Corp stock PB Ratio (=0.91) is close to 3-year high of 0.93.
The historical rank and industry rank for West Shore Bank's PB Ratio or its related term are showing as below:
WSSH'
s PB Ratio Range Over the Past 10 Years
Min: 0.6 Med: 0.79 Max: 1.04
Current: 0.92
During the past 7 years, West Shore Bank's highest PB Ratio was 1.04. The lowest was 0.60. And the median was 0.79.
WSSH's PB Ratio is ranked better than 64.25% of 1516
companies
in the Banks industry
Industry Median: 1.09
vs WSSH: 0.92
During the past 12 months, West Shore Bank's average Book Value Per Share Growth Rate was 18.40% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 16.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 4.90% per year.
During the past 7 years, the highest 3-Year average Book Value Per Share Growth Rate of West Shore Bank was 16.50% per year. The lowest was -4.30% per year. And the median was 0.35% 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.
West Shore Bank PB Ratio Related Terms
West Shore Bank PB Ratio Historical Data
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The historical data trend for West Shore Bank'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, West Shore Bank'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.
West Shore Bank PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, West Shore Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where West Shore Bank'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.
West Shore Bank'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.
West Shore Bank (WSSH) has a PB Ratio of 0.92 as of Jun. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on West Shore Bank and its competitors. This is 16% above median its historical median of 0.79. Over the past decade, West Shore Bank's PB Ratio has ranged from 0.60 to 1.04. According to the industry distribution chart, West Shore Bank ranks #542 out of 1516 companies in the Banks industry, placing it in the top 35.8%.
Is West Shore Bank's PB Ratio too high?
West Shore Bank's current PB Ratio of 0.92 is 16% above median its 10-year median of 0.79. Over the past 10 years, this metric has ranged from a low of 0.60 to a high of 1.04. The Banks industry median PB Ratio is 1.09. West Shore Bank's value of 0.92 is 15.6% below this industry median. Based on the distribution chart, West Shore Bank ranks #542 out of 1516 companies in the Banks industry, which is above the industry midpoint. Overall, West Shore Bank has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does West Shore Bank's PB Ratio compare to PVBK and TBBC?
According to the Banks industry distribution chart, West Shore Bank ranks #542 out of 1516 companies for PB Ratio. This puts West Shore Bank in the upper half of its industry. The industry median PB Ratio is 1.09. West Shore Bank's value of 0.92 is 15.6% below this benchmark. Historically, West Shore Bank's own PB Ratio has ranged from 0.60 to 1.04 over the past decade. While the company's 10-year median is 0.79 vs. the industry median of 1.09, West Shore Bank 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 1,516 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. West Shore Bank's current PB Ratio of 0.92 is 15.6% 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 West Shore Bank 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. West Shore Bank's current PB Ratio is 0.92, which is 16% above median its own 10-year median of 0.79. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is West Shore Bank stock overvalued right now?
Based on GuruFocus' analysis, West Shore Bank (WSSH) is currently considered Modestly Overvalued. The stock's GF Value™ is $34.87, compared to a current price of $42.80 — trading 22.7% above its estimated fair value. The current PB Ratio is 0.92, which is 16% above median its 10-year median of 0.79 and 15.6% below the Banks industry median of 1.09. West Shore Bank's overall GF Score™ is 56/100 with 7 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 West Shore Bank (WSSH), the current PB Ratio is 0.92 as of Jun. 26, 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 West Shore Bank (WSSH) Overvalued in 2026?
Based on GuruFocus' analysis, West Shore Bank stock appears to be overvalued.
The current stock price of $42.80 is trading 22.7% above its estimated GF Value™ of $34.87.
GuruFocus considers West Shore Bank to be Modestly Overvalued.
Key valuation signals for WSSH:
PB Ratio: 0.92 (16% above median its 10-year median of 0.79)
GF Value™: $34.87 vs. price of $42.80 (22.7% above fair value)
Industry Position: 15.6% below the Banks median (#542 of 1516)
No single metric tells the full story. See the WSSH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
West Shore Bank Corp is a provider of banking and financial service. The banks services include time savings, demand deposits and checking account services; commercial, consumer and mortgage loan services; treasury and cash management services; wealth management and investment services; telephone banking, Internet banking and mobile banking services; safe deposit, and automated transaction machine (ATM/ITM) services, among others.
56GF Score
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