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Bank Handlowy w WarszawieLTS:0DOS 72 3-Year Book Growth Rate is 8.10% as of Jun. 2026, which is 103% above its 10-year median of 4.00. GuruFocus rates LTS:0DOS with a GF Score™ of 72/100 and a GF Value™ of zł86.19. The stock has 5 warning signs investors should review. Among 1,488 Banks companies, Bank Handlowy w Warszawie ranks worse than 55.38% on this metric.
During the past 12 months, Bank Handlowy w Warszawie's average Book Value per Share Growth Rate was 1.00% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 8.10% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 7.40% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 4.40% 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 Bank Handlowy w Warszawie was 10.20% per year. The lowest was -2.50% per year. And the median was 4.00% per year.
Bank Handlowy w Warszawie (LTS:0DOS) 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.
Bank Handlowy w Warszawie 3-Year Book Growth Rate Related Terms
LTS:0DOS vs USB: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, Bank Handlowy w Warszawie'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.
Bank Handlowy w Warszawie 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Bank Handlowy w Warszawie's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Bank Handlowy w Warszawie's 3-Year Book Growth Rate falls into.
Bank Handlowy w Warszawie 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 8.10% mean?
Bank Handlowy w Warszawie (LTS:0DOS) has a 3-Year Book Growth Rate of 8.10% 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 Bank Handlowy w Warszawie and its competitors. This is 103% above median its historical median of 4.00. According to the industry distribution chart, Bank Handlowy w Warszawie ranks #824 out of 1488 companies in the Banks industry, placing it in the top 55.4%.
Is Bank Handlowy w Warszawie's 3-Year Book Growth Rate too high?
Bank Handlowy w Warszawie's current 3-Year Book Growth Rate of 8.10% is 103% above median its 10-year median of 4.00. The Banks industry median 3-Year Book Growth Rate is 8.80. Bank Handlowy w Warszawie's value of 8.10% is 8% below this industry median. Based on the distribution chart, Bank Handlowy w Warszawie ranks #824 out of 1488 companies in the Banks industry, which is below the industry midpoint. Overall, Bank Handlowy w Warszawie has a GF Score™ of 72/100, reflecting its overall financial health beyond just this single metric.
How does Bank Handlowy w Warszawie's 3-Year Book Growth Rate compare to USB?
According to the Banks industry distribution chart, Bank Handlowy w Warszawie ranks #824 out of 1488 companies for 3-Year Book Growth Rate. This places Bank Handlowy w Warszawie in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.80. Bank Handlowy w Warszawie's value of 8.10% is 8% below this benchmark. While the company's 10-year median is 4.00 vs. the industry median of 8.80, Bank Handlowy w Warszawie 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 8.80, based on 1,488 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. Bank Handlowy w Warszawie's current 3-Year Book Growth Rate of 8.10% 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 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 Bank Handlowy w Warszawie 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. Bank Handlowy w Warszawie's current 3-Year Book Growth Rate is 8.10%, which is 103% above median its own 10-year median of 4.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Handlowy w Warszawie stock overvalued right now?
Bank Handlowy w Warszawie (LTS:0DOS) has a current 3-Year Book Growth Rate of 8.10%. The stock's GF Value™ is zł86.19, compared to a current price of zł102.60 — trading 19% above its estimated fair value. The current 3-Year Book Growth Rate is 8.10%, which is 103% above median its 10-year median of 4.00 and 8% below the Banks industry median of 8.80. Bank Handlowy w Warszawie's overall GF Score™ is 72/100 with 5 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 Bank Handlowy w Warszawie (LTS:0DOS), the current 3-Year Book Growth Rate is 8.10% 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 Bank Handlowy w Warszawie (LTS:0DOS) Overvalued in 2026?
Based on GuruFocus' analysis, Bank Handlowy w Warszawie stock appears to be overvalued.
The current stock price of zł102.60 is trading 19% above its estimated GF Value™ of zł86.19.
Key valuation signals for LTS:0DOS:
3-Year Book Growth Rate: 8.10% (103% above median its 10-year median of 4.00)
GF Value™: zł86.19 vs. price of zł102.60 (19% above fair value)
Industry Position: 8% below the Banks median (#824 of 1488)
No single metric tells the full story. See the LTS:0DOS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank Handlowy w Warszawie SA is a Poland-based bank and the parent company of the Bank Handlowy Group. It is a subsidiary of Citigroup, through Citibank Overseas Investment Corporation. The group provides retail, corporate, and investment banking services, as well as leasing and other financial services.
72GF Score
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