Pontiac BancorpPONT -2.36%60 PE Ratio (TTM) is 8.71 as of Jul. 04, 2026, which is 20% below its 10-year median of 10.89. GuruFocus rates PONT with a GF Score™ of 60/100 and a GF Value™ of $638.30 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,445 Banks companies, Pontiac Bancorp ranks better than 73.49% on this metric.
The PE Ratio (TTM), or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). As of today (2026-07-04), Pontiac Bancorp's share price is
$639.3112.
Pontiac Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $73.40. Therefore, Pontiac Bancorp's PE Ratio (TTM) for today is 8.71.
The historical rank and industry rank for Pontiac Bancorp's PE Ratio (TTM) or its related term are showing as below:
PONT'
s PE Ratio (TTM) Range Over the Past 10 Years
Min: 7.49 Med: 10.89 Max: 22.78
Current: 8.71
During the past 7 years, the highest PE Ratio (TTM) of Pontiac Bancorp was 22.78. The lowest was 7.49. And the median was 10.89.
PONT's PE Ratio (TTM) is ranked better than 73.49% of 1445
companies
in the Banks industry
Industry Median: 11.73
vs PONT: 8.71
During the past 12 months, Pontiac Bancorp's average EPS without NRIGrowth Rate was 29.60% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was 19.40% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was 14.00% per year.
During the past 7 years, Pontiac Bancorp's highest 3-Year average EPS without NRI Growth Rate was 19.40% per year. The lowest was 9.80% per year. And the median was 13.50% per year.
Pontiac Bancorp's EPS (Basic) for the
six
months ended in Dec. 2025 was $73.87.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Dec. 2025 was $73.87.
Pontiac Bancorp (OTCPK:PONT) PE Ratio (TTM) Explanation
The PE Ratio (TTM) can be viewed as the number of years it takes for the company to earn back the price you pay for the stock. For example, if a company earns $2 a share per year, and the stock is traded at $30, the PE Ratio (TTM) is 15. Therefore it takes 15 years for the company to earn back the $30 you paid for its stock, assuming the earnings stays constant over the next 15 years.
In real business, earnings never stay constant. If a company can grow its earnings, it takes fewer years for the company to earn back the price you pay for the stock. If a company's earnings decline it takes more years. As a shareholder, you want the company to earn back the price you pay as soon as possible. Therefore, lower P/E stocks are more attractive than higher P/E stocks so long as the PE Ratio (TTM) is positive. Also for stocks with the same PE Ratio (TTM), the one with faster growth business is more attractive.
If a company loses money, the PE Ratio (TTM) becomes meaningless.
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the PE Ratio (TTM) divided by the growth ratio. He thinks a company with a PE Ratio (TTM) equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a PE Ratio (TTM) of 20, instead of a company growing 10% a year with a PE Ratio (TTM) of 10.
Because the PE Ratio (TTM) measures how long it takes to earn back the price you pay, the PE Ratio (TTM) can be applied to the stocks across different industries. That is why it is the one of the most important and widely used indicators for the valuation of stocks.
Investors need to be aware that the PE Ratio (TTM) can be misleading a lot of times, especially when the underlying business is cyclical and unpredictable. As Peter Lynch pointed out, cyclical businesses have higher profit margins at the peaks of the business cycles. Their earnings are high and PE Ratio (TTM)s are artificially low. It is usually a bad idea to buy a cyclical business when the PE Ratio (TTM) is low. A better ratio to identify the time to buy a cyclical businesses is the PS Ratio .
PE Ratio (TTM) can also be affected by non-recurring-items such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio (TTM).
Pontiac Bancorp PE Ratio (TTM) Related Terms
Pontiac Bancorp PE Ratio (TTM) Historical Data
* Premium members only.
The historical data trend for Pontiac Bancorp's PE Ratio (TTM) 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.
PONT vs TYFG, ARBV, SLBK: PE Ratio (TTM) Comparison
For the Banks - Regional subindustry, Pontiac Bancorp's PE Ratio (TTM), along with its competitors' market caps and PE Ratio (TTM) 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.
Pontiac Bancorp PE Ratio (TTM) vs Banks Industry
For the Banks industry and Financial Services sector, Pontiac Bancorp's PE Ratio (TTM) distribution charts can be found below:
* The bar in red indicates where Pontiac Bancorp's PE Ratio (TTM) falls into.
The PE Ratio (TTM), or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). It is the most widely used ratio in the valuation of stocks.
Pontiac Bancorp's Share Price of today is $639.3112.
For company reported annually, GuruFocus uses latest annual data as the TTM data. Pontiac Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $73.40.
* 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:
There are at least three kinds of PE Ratio (TTM)s used by different investors. They are Trailing Twelve Month PE Ratio (TTM) or PE Ratio (TTM) (TTM), Forward PE Ratio, or PE Ratio without NRI. A new PE Ratio (TTM) based on inflation-adjusted normalized PE Ratio (TTM) is called Shiller PE Ratio, after Yale professor Robert Shiller.
In the calculation of PE Ratio (TTM), the earnings per share used are the earnings per share over the past 12 months. For Forward PE Ratio, the earnings are the expected earnings for the next twelve months. In the case of PE Ratio without NRI, the reported earnings less the non-recurring items are used.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. Since it looks at the average over the last 10 years, Shiller PE Ratio is also called PE10.
Pontiac Bancorp (PONT) has a PE Ratio (TTM) of 8.71 as of Jul. 04, 2026. Trailing 12-month P/E ratio is the ratio of share price to a company's trailing 12-month earnings per share. View historical data on Pontiac Bancorp and its competitors. This is 20% below median its historical median of 10.89. Over the past decade, Pontiac Bancorp's PE Ratio (TTM) has ranged from 7.49 to 22.78. According to the industry distribution chart, Pontiac Bancorp ranks #383 out of 1445 companies in the Banks industry, placing it in the top 26.5%.
Is Pontiac Bancorp's PE Ratio (TTM) too high?
Pontiac Bancorp's current PE Ratio (TTM) of 8.71 is 20% below median its 10-year median of 10.89. Over the past 10 years, this metric has ranged from a low of 7.49 to a high of 22.78. The Banks industry median PE Ratio (TTM) is 11.73. Pontiac Bancorp's value of 8.71 is 25.7% below this industry median. Based on the distribution chart, Pontiac Bancorp ranks #383 out of 1445 companies in the Banks industry, which is above the industry midpoint. Overall, Pontiac Bancorp has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Pontiac Bancorp's PE Ratio (TTM) compare to TYFG and ARBV?
According to the Banks industry distribution chart, Pontiac Bancorp ranks #383 out of 1445 companies for PE Ratio (TTM). This puts Pontiac Bancorp in the upper half of its industry. The industry median PE Ratio (TTM) is 11.73. Pontiac Bancorp's value of 8.71 is 25.7% below this benchmark. Historically, Pontiac Bancorp's own PE Ratio (TTM) has ranged from 7.49 to 22.78 over the past decade. While the company's 10-year median is 10.89 vs. the industry median of 11.73, Pontiac Bancorp 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 PE Ratio (TTM) for a Banks company?
The median PE Ratio (TTM) among Banks companies is 11.73, based on 1,445 companies in the industry. Companies in the top quartile (top 25%) have a PE Ratio (TTM) significantly above this median, while those in the bottom quartile fall well below. However, PE Ratio (TTM) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pontiac Bancorp's current PE Ratio (TTM) of 8.71 is 25.7% 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 PE Ratio (TTM) mean?
A high PE Ratio (TTM) can signal that a stock is expensive relative to its fundamentals. Trailing 12-month P/E ratio is the ratio of share price to a company's trailing 12-month earnings per share. View historical data on Pontiac Bancorp and its competitors. For the Banks industry, the median PE Ratio (TTM) is 11.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pontiac Bancorp's current PE Ratio (TTM) is 8.71, which is 20% below median its own 10-year median of 10.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pontiac Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Pontiac Bancorp (PONT) is currently considered Fairly Valued. The stock's GF Value™ is $638.30, compared to a current price of $639.31 — trading 0.2% above its estimated fair value. The current PE Ratio (TTM) is 8.71, which is 20% below median its 10-year median of 10.89 and 25.7% below the Banks industry median of 11.73. Pontiac Bancorp's overall GF Score™ is 60/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PE Ratio (TTM) calculated?
PE Ratio (TTM) is calculated from a company's financial statements. For Pontiac Bancorp (PONT), the current PE Ratio (TTM) is 8.71 as of Jul. 04, 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 Pontiac Bancorp (PONT) Overvalued in 2026?
Based on GuruFocus' analysis, Pontiac Bancorp stock appears to be overvalued.
The current stock price of $639.31 is trading 0.2% above its estimated GF Value™ of $638.30.
GuruFocus considers Pontiac Bancorp to be Fairly Valued.
Key valuation signals for PONT:
PE Ratio (TTM): 8.71 (20% below median its 10-year median of 10.89)
GF Value™: $638.30 vs. price of $639.31 (0.2% above fair value)
Industry Position: 25.7% below the Banks median (#383 of 1445)
No single metric tells the full story. See the PONT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pontiac Bancorp Inc is engaged in banking services. The company offers personal banking, business banking, lending, wealth management, and agriculture lending services. The bank grants agribusiness, commercial, residential, and personal loans to customers located in the bank's market area.
60GF Score
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PE Ratio (TTM) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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