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Himalayan BankXNEP:HBL 70 PB Ratio is 1.03 as of Aug. 14, 2026, which is 28% below its 10-year median of 1.44. GuruFocus rates XNEP:HBL with a GF Score™ of 70/100 and a GF Value™ of NPR219.01 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,512 Banks companies, Himalayan Bank ranks better than 56.94% 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 (2026-08-14), Himalayan Bank's share price is NPR195.00. Himalayan Bank's Book Value per Share for the quarter that ended in Apr. 2026 was NPR189.64. Hence, Himalayan Bank's PB Ratio of today is 1.03.
Good Sign:
Himalayan Bank Ltd stock PB Ratio (=1.03) is close to 10-year low of 0.96.
The historical rank and industry rank for Himalayan Bank's PB Ratio or its related term are showing as below:
XNEP:HBL'
s PB Ratio Range Over the Past 10 Years
Min: 0.96 Med: 1.44 Max: 3.44
Current: 1.04
During the past 7 years, Himalayan Bank's highest PB Ratio was 3.44. The lowest was 0.96. And the median was 1.44.
XNEP:HBL's PB Ratio is ranked better than 56.94% of 1512
companies
in the Banks industry
Industry Median: 1.12
vs XNEP:HBL: 1.04
During the past 12 months, Himalayan Bank's average Book Value Per Share Growth Rate was 5.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 2.30% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 5.80% per year.
During the past 7 years, the highest 3-Year average Book Value Per Share Growth Rate of Himalayan Bank was 11.50% per year. The lowest was 2.30% per year. And the median was 7.05% 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.
Himalayan Bank PB Ratio Related Terms
Himalayan Bank PB Ratio Historical Data
* Premium members only.
The historical data trend for Himalayan 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, Himalayan 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.
Himalayan Bank PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Himalayan Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where Himalayan 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.
Himalayan 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.
Himalayan Bank (XNEP:HBL) has a PB Ratio of 1.03 as of Aug. 14, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Himalayan Bank and its competitors. This is 28% below median its historical median of 1.44. Over the past decade, Himalayan Bank's PB Ratio has ranged from 0.96 to 3.44. According to the industry distribution chart, Himalayan Bank ranks #651 out of 1512 companies in the Banks industry, placing it in the top 43.1%.
Is Himalayan Bank's PB Ratio too high?
Himalayan Bank's current PB Ratio of 1.03 is 28% below median its 10-year median of 1.44. Over the past 10 years, this metric has ranged from a low of 0.96 to a high of 3.44. The Banks industry median PB Ratio is 1.12. Himalayan Bank's value of 1.03 is 8% below this industry median. Based on the distribution chart, Himalayan Bank ranks #651 out of 1512 companies in the Banks industry, which is above the industry midpoint. Overall, Himalayan Bank has a GF Score™ of 70/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Himalayan Bank's PB Ratio compare to competitors?
According to the Banks industry distribution chart, Himalayan Bank ranks #651 out of 1512 companies for PB Ratio. This puts Himalayan Bank in the upper half of its industry. The industry median PB Ratio is 1.12. Himalayan Bank's value of 1.03 is 8% below this benchmark. Historically, Himalayan Bank's own PB Ratio has ranged from 0.96 to 3.44 over the past decade. While the company's 10-year median is 1.44 vs. the industry median of 1.12, Himalayan 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 1.12, based on 1,512 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. Himalayan Bank's current PB Ratio of 1.03 is 8% 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 Himalayan Bank 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. Himalayan Bank's current PB Ratio is 1.03, which is 28% below median its own 10-year median of 1.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Himalayan Bank stock overvalued right now?
Based on GuruFocus' analysis, Himalayan Bank (XNEP:HBL) is currently considered Modestly Undervalued. The stock's GF Value™ is NPR219.01, compared to a current price of NPR195.00 — trading 11% below its estimated fair value. The current PB Ratio is 1.03, which is 28% below median its 10-year median of 1.44 and 8% below the Banks industry median of 1.12. Himalayan Bank's overall GF Score™ is 70/100 with 2 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 Himalayan Bank (XNEP:HBL), the current PB Ratio is 1.03 as of Aug. 14, 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 Himalayan Bank (XNEP:HBL) Overvalued in 2026?
Based on GuruFocus' analysis, Himalayan Bank stock appears to be undervalued.
The current stock price of NPR195.00 is trading 11% below its estimated GF Value™ of NPR219.01.
GuruFocus considers Himalayan Bank to be Modestly Undervalued.
Key valuation signals for XNEP:HBL:
PB Ratio: 1.03 (28% below median its 10-year median of 1.44)
GF Value™: NPR219.01 vs. price of NPR195.00 (11% below fair value)
Industry Position: 8% below the Banks median (#651 of 1512)
No single metric tells the full story. See the XNEP:HBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Himalayan Bank Ltd is a Nepal based company involved in the banking business. It includes products such as Loans and Advances, Letter of Credit, Guarantee, Remittance, Card Services, Bills purchase and discounting, Collection services, and many more. It also offers remittance services, card services, and other ancillary services like safe deposit locker services, as well as a wide range of electronic banking facilities. The products and services are offered to personal and business customers in Nepal. The company's maximum revenue is from the Loan and Advances product. Operates geographically within Nepal, with maximum revenue from Bagmati.
70GF Score
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