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WTB Financial AWTBFB +0.30%65 PB Ratio is 1.00 as of Jul. 26, 2026, which is 36% below its 10-year median of 1.56. GuruFocus rates WTBFB with a GF Score™ of 65/100 and a GF Value™ of $380.20 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,516 Banks companies, WTB Financial A ranks worse than 73.68% 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 (2026-07-26), WTB Financial A's share price is $413.32. WTB Financial A's Book Value per Share for the quarter that ended in Mar. 2026 was $414.34. Hence, WTB Financial A's PB Ratio of today is 1.00.
The historical rank and industry rank for WTB Financial A's PB Ratio or its related term are showing as below:
WTBFB'
s PB Ratio Range Over the Past 10 Years
Min: 0.98 Med: 1.56 Max: 3.31
Current: 1.45
During the past 10 years, WTB Financial A's highest PB Ratio was 3.31. The lowest was 0.98. And the median was 1.56.
WTBFB's PB Ratio is ranked worse than 73.68% of 1516
companies
in the Banks industry
Industry Median: 1.12
vs WTBFB: 1.45
During the past 12 months, WTB Financial A's average Book Value Per Share Growth Rate was 9.50% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 5.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 5.00% per year.
During the past 10 years, the highest 3-Year average Book Value Per Share Growth Rate of WTB Financial A was 15.00% per year. The lowest was 4.00% per year. And the median was 7.00% per year.
Back to Basics: PB Ratio
WTB Financial A (OTCPK:WTBFB) 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.
WTB Financial A PB Ratio Related Terms
WTB Financial A PB Ratio Historical Data
* Premium members only.
The historical data trend for WTB Financial A'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, WTB Financial A'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.
WTB Financial A PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, WTB Financial A's PB Ratio distribution charts can be found below:
* The bar in red indicates where WTB Financial A'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.
WTB Financial A'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.
WTB Financial A (WTBFB) has a PB Ratio of 1.00 as of Jul. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on WTB Financial A and its competitors. This is 36% below median its historical median of 1.56. Over the past decade, WTB Financial A's PB Ratio has ranged from 0.98 to 3.31. According to the industry distribution chart, WTB Financial A ranks #1117 out of 1516 companies in the Banks industry, placing it in the top 73.7%.
Is WTB Financial A's PB Ratio too high?
WTB Financial A's current PB Ratio of 1.00 is 36% below median its 10-year median of 1.56. Over the past 10 years, this metric has ranged from a low of 0.98 to a high of 3.31. The Banks industry median PB Ratio is 1.12. WTB Financial A's value of 1.00 is 10.7% below this industry median. Based on the distribution chart, WTB Financial A ranks #1117 out of 1516 companies in the Banks industry, which is below the industry midpoint. Overall, WTB Financial A has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does WTB Financial A's PB Ratio compare to MBWM and CPF?
According to the Banks industry distribution chart, WTB Financial A ranks #1117 out of 1516 companies for PB Ratio. This places WTB Financial A in the lower half of its industry. The industry median PB Ratio is 1.12. WTB Financial A's value of 1.00 is 10.7% below this benchmark. Historically, WTB Financial A's own PB Ratio has ranged from 0.98 to 3.31 over the past decade. While the company's 10-year median is 1.56 vs. the industry median of 1.12, WTB Financial A 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 1.12, 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. WTB Financial A's current PB Ratio of 1.00 is 10.7% 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 WTB Financial A and its competitors. For the Banks industry, the median PB Ratio is 1.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. WTB Financial A's current PB Ratio is 1.00, which is 36% below median its own 10-year median of 1.56. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is WTB Financial A stock overvalued right now?
Based on GuruFocus' analysis, WTB Financial A (WTBFB) is currently considered Fairly Valued. The stock's GF Value™ is $380.20, compared to a current price of $413.32 — trading 8.7% above its estimated fair value. The current PB Ratio is 1.00, which is 36% below median its 10-year median of 1.56 and 10.7% below the Banks industry median of 1.12. WTB Financial A's overall GF Score™ is 65/100 with 1 warning sign 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 WTB Financial A (WTBFB), the current PB Ratio is 1.00 as of Jul. 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 WTB Financial A (WTBFB) Overvalued in 2026?
Based on GuruFocus' analysis, WTB Financial A stock appears to be overvalued.
The current stock price of $413.32 is trading 8.7% above its estimated GF Value™ of $380.20.
GuruFocus considers WTB Financial A to be Fairly Valued.
Key valuation signals for WTBFB:
PB Ratio: 1.00 (36% below median its 10-year median of 1.56)
GF Value™: $380.20 vs. price of $413.32 (8.7% above fair value)
Industry Position: 10.7% below the Banks median (#1117 of 1516)
No single metric tells the full story. See the WTBFB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
WTB Financial A operates as a bank holding company of Washington Trust Bank. The company is engaged in the business of financial services in Washington, Idaho and Oregon. It also provides a wide range of banking, fiduciary, asset management, mortgage banking, and other financial services to corporate and individual customers. Its loan segments consist of the following disaggregation of loan types. Commercial and industrial loans are segmented into seven pools, including commercial taxable loans, commercial tax-exempt loans, commercial lines of credit, other commercial loans, commercial credit card loans, small business administration loans, and overdrafts.
65GF Score
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