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Commercial Bank of Dubai PSCDFM:CBD +3.16%72 3-Year Book Growth Rate is 11.80% as of Jun. 2026, which is 79% above its 10-year median of 6.60. GuruFocus rates DFM:CBD with a GF Score™ of 72/100 and a GF Value™ of د.إ8.35 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,487 Banks companies, Commercial Bank of Dubai PSC ranks better than 66.85% on this metric.
During the past 12 months, Commercial Bank of Dubai PSC's average Book Value per Share Growth Rate was -3.80% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 11.80% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 8.70% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 9.40% 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 Commercial Bank of Dubai PSC was 13.80% per year. The lowest was -10.40% per year. And the median was 6.60% per year.
Commercial Bank of Dubai PSC (DFM:CBD) 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.
Commercial Bank of Dubai PSC 3-Year Book Growth Rate Related Terms
Commercial Bank of Dubai PSC 3-Year Book Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Commercial Bank of Dubai PSC'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.
Commercial Bank of Dubai PSC 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Commercial Bank of Dubai PSC's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Commercial Bank of Dubai PSC's 3-Year Book Growth Rate falls into.
Commercial Bank of Dubai PSC 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 11.80% mean?
Commercial Bank of Dubai PSC (DFM:CBD) has a 3-Year Book Growth Rate of 11.80% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Commercial Bank of Dubai PSC and its competitors. This is 79% above median its historical median of 6.60. According to the industry distribution chart, Commercial Bank of Dubai PSC ranks #493 out of 1487 companies in the Banks industry, placing it in the top 33.2%.
Is Commercial Bank of Dubai PSC's 3-Year Book Growth Rate too high?
Commercial Bank of Dubai PSC's current 3-Year Book Growth Rate of 11.80% is 79% above median its 10-year median of 6.60. The Banks industry median 3-Year Book Growth Rate is 8.80. Commercial Bank of Dubai PSC's value of 11.80% is 34.1% above this industry median. Based on the distribution chart, Commercial Bank of Dubai PSC ranks #493 out of 1487 companies in the Banks industry, which is above the industry midpoint. Overall, Commercial Bank of Dubai PSC has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Commercial Bank of Dubai PSC's 3-Year Book Growth Rate compare to competitors?
According to the Banks industry distribution chart, Commercial Bank of Dubai PSC ranks #493 out of 1487 companies for 3-Year Book Growth Rate. This puts Commercial Bank of Dubai PSC in the upper half of its industry. The industry median 3-Year Book Growth Rate is 8.80. Commercial Bank of Dubai PSC's value of 11.80% is 34.1% above this benchmark. While the company's 10-year median is 6.60 vs. the industry median of 8.80, Commercial Bank of Dubai PSC 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 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,487 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. Commercial Bank of Dubai PSC's current 3-Year Book Growth Rate of 11.80% is 34.1% 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 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 Commercial Bank of Dubai PSC and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commercial Bank of Dubai PSC's current 3-Year Book Growth Rate is 11.80%, which is 79% above median its own 10-year median of 6.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Commercial Bank of Dubai PSC stock overvalued right now?
Based on GuruFocus' analysis, Commercial Bank of Dubai PSC (DFM:CBD) is currently considered Modestly Overvalued. The stock's GF Value™ is د.إ8.35, compared to a current price of د.إ9.80 — trading 17.4% above its estimated fair value. The current 3-Year Book Growth Rate is 11.80%, which is 79% above median its 10-year median of 6.60 and 34.1% above the Banks industry median of 8.80. Commercial Bank of Dubai PSC's overall GF Score™ is 72/100 with 4 warning signs to review. 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 Commercial Bank of Dubai PSC (DFM:CBD), the current 3-Year Book Growth Rate is 11.80% as of Jun. 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 Commercial Bank of Dubai PSC (DFM:CBD) Overvalued in 2026?
Based on GuruFocus' analysis, Commercial Bank of Dubai PSC stock appears to be overvalued.
The current stock price of د.إ9.80 is trading 17.4% above its estimated GF Value™ of د.إ8.35.
GuruFocus considers Commercial Bank of Dubai PSC to be Modestly Overvalued.
Key valuation signals for DFM:CBD:
3-Year Book Growth Rate: 11.80% (79% above median its 10-year median of 6.60)
GF Value™: د.إ8.35 vs. price of د.إ9.80 (17.4% above fair value)
Industry Position: 34.1% above the Banks median (#493 of 1487)
No single metric tells the full story. See the DFM:CBD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Commercial Bank of Dubai PSC is a banking firm operating in the United Arab Emirates with four segments: Institutional Banking, Corporate Banking, Personal Banking, and Trading and Other. Institutional Banking provides loans, deposits, trade finance, and e-commerce solutions to institutional clients, including government entities. Corporate Banking serves mid-sized and emerging corporates with loans, working capital, trade finance, and deposits. Personal Banking, which generates maximum revenue, offers accounts, loans, mortgages, and other credit facilities to small businesses and retail clients. Trading and Other manages the Group's balance sheet, investment portfolio, and derivatives for trading and risk management purposes. The Group operates exclusively in the United Arab Emirates.
72GF Score
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3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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