Everest BankXNEP:EBLCP.PFD 68 PB Ratio is 1.19 as of Jul. 09, 2026, which is 58% below its 10-year median of 2.84. GuruFocus rates XNEP:EBLCP.PFD with a GF Score™ of 68/100 and a GF Value™ of NPR613.26 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,516 Banks companies, Everest Bank ranks worse than 90.5% 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 (2026-07-09), Everest Bank's share price is NPR475.00. Everest Bank's Book Value per Share for the quarter that ended in Apr. 2026 was NPR397.68. Hence, Everest Bank's PB Ratio of today is 1.19.
Good Sign:
Everest Bank Ltd stock PB Ratio (=2.15) is close to 3-year low of 2.1.
The historical rank and industry rank for Everest Bank's PB Ratio or its related term are showing as below:
XNEP:EBLCP.PFD'
s PB Ratio Range Over the Past 10 Years
Min: 1.89 Med: 2.84 Max: 11.27
Current: 2.15
During the past 13 years, Everest Bank's highest PB Ratio was 11.27. The lowest was 1.89. And the median was 2.84.
XNEP:EBLCP.PFD's PB Ratio is ranked worse than 90.5% of 1516
companies
in the Banks industry
Industry Median: 1.09
vs XNEP:EBLCP.PFD: 2.15
During the past 12 months, Everest Bank's average Book Value Per Share Growth Rate was 46.60% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 8.60% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 9.40% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 5.30% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Everest Bank was 17.40% per year. The lowest was -8.00% per year. And the median was 5.35% per year.
Back to Basics: PB Ratio
Everest Bank (XNEP:EBLCP.PFD) 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.
Everest Bank PB Ratio Related Terms
Everest Bank PB Ratio Historical Data
* Premium members only.
The historical data trend for Everest 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, Everest 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.
Everest Bank PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Everest Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where Everest 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.
Everest 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.
Everest Bank (XNEP:EBLCP.PFD) has a PB Ratio of 1.19 as of Jul. 09, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Everest Bank and its competitors. This is 58% below median its historical median of 2.84. Over the past decade, Everest Bank's PB Ratio has ranged from 1.89 to 11.27. According to the industry distribution chart, Everest Bank ranks #1372 out of 1516 companies in the Banks industry, placing it in the top 90.5%.
Is Everest Bank's PB Ratio too high?
Everest Bank's current PB Ratio of 1.19 is 58% below median its 10-year median of 2.84. Over the past 10 years, this metric has ranged from a low of 1.89 to a high of 11.27. The Banks industry median PB Ratio is 1.09. Everest Bank's value of 1.19 is 9.2% above this industry median. Based on the distribution chart, Everest Bank ranks #1372 out of 1516 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Everest Bank has a GF Score™ of 68/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Everest Bank's PB Ratio compare to competitors?
According to the Banks industry distribution chart, Everest Bank ranks #1372 out of 1516 companies for PB Ratio. This places Everest Bank in the lower half of its industry. The industry median PB Ratio is 1.09. Everest Bank's value of 1.19 is 9.2% above this benchmark. Historically, Everest Bank's own PB Ratio has ranged from 1.89 to 11.27 over the past decade. While the company's 10-year median is 2.84 vs. the industry median of 1.09, Everest Bank has consistently been above 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. Everest Bank's current PB Ratio of 1.19 is 9.2% above 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 Everest 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. Everest Bank's current PB Ratio is 1.19, which is 58% below median its own 10-year median of 2.84. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Everest Bank stock overvalued right now?
Based on GuruFocus' analysis, Everest Bank (XNEP:EBLCP.PFD) is currently considered Modestly Undervalued. The stock's GF Value™ is NPR613.26, compared to a current price of NPR475.00 — trading 22.5% below its estimated fair value. The current PB Ratio is 1.19, which is 58% below median its 10-year median of 2.84 and 9.2% above the Banks industry median of 1.09. Everest Bank's overall GF Score™ is 68/100 with 3 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 Everest Bank (XNEP:EBLCP.PFD), the current PB Ratio is 1.19 as of Jul. 09, 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 Everest Bank (XNEP:EBLCP.PFD) Overvalued in 2026?
Based on GuruFocus' analysis, Everest Bank stock appears to be undervalued.
The current stock price of NPR475.00 is trading 22.5% below its estimated GF Value™ of NPR613.26.
GuruFocus considers Everest Bank to be Modestly Undervalued.
Key valuation signals for XNEP:EBLCP.PFD:
PB Ratio: 1.19 (58% below median its 10-year median of 2.84)
GF Value™: NPR613.26 vs. price of NPR475.00 (22.5% below fair value)
Industry Position: 9.2% above the Banks median (#1372 of 1516)
No single metric tells the full story. See the XNEP:EBLCP.PFD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Everest Bank Ltd provides commercial banking services and is partnered with the Punjab National Bank of India. The bank offers services through the Any Branch Banking System. Its e-services include M-Banking, Virtual Credit Card, QR Code Payment Service, QR Payment Soundbox, E-Paicho, Foneloan Digital Lending Service, e-Statement, Electronic Cheque Deposit Machine, Missed Call Alerts, and Corporate Pay. The bank's services also include current accounts, savings accounts, fixed deposit accounts, recurring deposit accounts, retirement plan accounts, call accounts, retail and corporate loans, inward and outward remittances, and other related services.
68GF Score
Get the complete analysis for XNEP:EBLCP.PFD
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XNEP:EBLCP.PFD has been successfully added to your 
