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Credit Agricole Nord de FranceCSRFF 53 3-Year Book Growth Rate is 7.00% as of Dec. 2025, which is 33% above its 10-year median of 5.25. GuruFocus rates CSRFF with a GF Score™ of 53/100 and a GF Value™ of $11.10. Among 1,496 Banks companies, Credit Agricole Nord de France ranks worse than 60.76% on this metric.
During the past 12 months, Credit Agricole Nord de France's average Book Value per Share Growth Rate was 11.30% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 7.00% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 5.70% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 6.10% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Credit Agricole Nord de France was 8.30% per year. The lowest was 3.10% per year. And the median was 5.25% per year.
Credit Agricole Nord de France (OTCPK:CSRFF) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Credit Agricole Nord de France 3-Year Book Growth Rate Related Terms
Credit Agricole Nord de France 3-Year Book Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Credit Agricole Nord de France's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate 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.
Credit Agricole Nord de France 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Credit Agricole Nord de France's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Credit Agricole Nord de France's 3-Year Book Growth Rate falls into.
Credit Agricole Nord de France 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 7.00% mean?
Credit Agricole Nord de France (CSRFF) has a 3-Year Book Growth Rate of 7.00% as of Dec. 2025. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Credit Agricole Nord de France and its competitors. This is 33% above median its historical median of 5.25. Over the past decade, Credit Agricole Nord de France's 3-Year Book Growth Rate has ranged from 3.10 to 8.30. According to the industry distribution chart, Credit Agricole Nord de France ranks #909 out of 1496 companies in the Banks industry, placing it in the top 60.8%.
Is Credit Agricole Nord de France's 3-Year Book Growth Rate too high?
Credit Agricole Nord de France's current 3-Year Book Growth Rate of 7.00% is 33% above median its 10-year median of 5.25. Over the past 10 years, this metric has ranged from a low of 3.10 to a high of 8.30. The Banks industry median 3-Year Book Growth Rate is 8.70. Credit Agricole Nord de France's value of 7.00% is 19.5% below this industry median. Based on the distribution chart, Credit Agricole Nord de France ranks #909 out of 1496 companies in the Banks industry, which is below the industry midpoint. Overall, Credit Agricole Nord de France has a GF Score™ of 53/100, reflecting its overall financial health beyond just this single metric.
How does Credit Agricole Nord de France's 3-Year Book Growth Rate compare to competitors?
According to the Banks industry distribution chart, Credit Agricole Nord de France ranks #909 out of 1496 companies for 3-Year Book Growth Rate. This places Credit Agricole Nord de France in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.70. Credit Agricole Nord de France's value of 7.00% is 19.5% below this benchmark. Historically, Credit Agricole Nord de France's own 3-Year Book Growth Rate has ranged from 3.10 to 8.30 over the past decade. While the company's 10-year median is 5.25 vs. the industry median of 8.70, Credit Agricole Nord de France 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 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.70, based on 1,496 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Agricole Nord de France's current 3-Year Book Growth Rate of 7.00% is 19.5% 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 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Credit Agricole Nord de France and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Agricole Nord de France's current 3-Year Book Growth Rate is 7.00%, which is 33% above median its own 10-year median of 5.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Credit Agricole Nord de France stock overvalued right now?
Credit Agricole Nord de France (CSRFF) has a current 3-Year Book Growth Rate of 7.00%. The stock's GF Value™ is $11.10, compared to a current price of $21.18 — trading 90.8% above its estimated fair value. The current 3-Year Book Growth Rate is 7.00%, which is 33% above median its 10-year median of 5.25 and 19.5% below the Banks industry median of 8.70. Credit Agricole Nord de France's overall GF Score™ is 53/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Credit Agricole Nord de France (CSRFF), the current 3-Year Book Growth Rate is 7.00% as of Dec. 2025. 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 Credit Agricole Nord de France (CSRFF) Overvalued in 2026?
Based on GuruFocus' analysis, Credit Agricole Nord de France stock appears to be overvalued.
The current stock price of $21.18 is trading 90.8% above its estimated GF Value™ of $11.10.
Key valuation signals for CSRFF:
3-Year Book Growth Rate: 7.00% (33% above median its 10-year median of 5.25)
GF Value™: $11.10 vs. price of $21.18 (90.8% above fair value)
Industry Position: 19.5% below the Banks median (#909 of 1496)
No single metric tells the full story. See the CSRFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Crédit Agricole Nord de France operates as a regional bank in France. It offers saving products; credit services; short, medium, and long-term loans; and insurance products. The company provides its products to individuals, businesses, associations, and farmers.
53GF Score
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