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Erste Bank PolskaLTS:0DVR 72 3-Year Book Growth Rate is 9.90% as of Jun. 2026, which is 12% below its 10-year median of 11.20. GuruFocus rates LTS:0DVR with a GF Score™ of 72/100 and a GF Value™ of zł275.68. The stock has 9 warning signs investors should review. Among 1,486 Banks companies, Erste Bank Polska ranks better than 57.07% on this metric.
During the past 12 months, Erste Bank Polska's average Book Value per Share Growth Rate was 3.10% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 9.90% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 6.70% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 5.50% 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 Erste Bank Polska was 65.80% per year. The lowest was 0.60% per year. And the median was 11.20% per year.
Erste Bank Polska (LTS:0DVR) 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.
Erste Bank Polska 3-Year Book Growth Rate Related Terms
Erste Bank Polska 3-Year Book Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Erste Bank Polska'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.
Erste Bank Polska 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Erste Bank Polska's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Erste Bank Polska's 3-Year Book Growth Rate falls into.
Erste Bank Polska 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 9.90% mean?
Erste Bank Polska (LTS:0DVR) has a 3-Year Book Growth Rate of 9.90% 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 Erste Bank Polska and its competitors. This is 12% below median its historical median of 11.20. Over the past decade, Erste Bank Polska's 3-Year Book Growth Rate has ranged from 0.60 to 65.80. According to the industry distribution chart, Erste Bank Polska ranks #638 out of 1486 companies in the Banks industry, placing it in the top 42.9%.
Is Erste Bank Polska's 3-Year Book Growth Rate too high?
Erste Bank Polska's current 3-Year Book Growth Rate of 9.90% is 12% below median its 10-year median of 11.20. Over the past 10 years, this metric has ranged from a low of 0.60 to a high of 65.80. The Banks industry median 3-Year Book Growth Rate is 8.80. Erste Bank Polska's value of 9.90% is 12.5% above this industry median. Based on the distribution chart, Erste Bank Polska ranks #638 out of 1486 companies in the Banks industry, which is above the industry midpoint. Overall, Erste Bank Polska has a GF Score™ of 72/100, reflecting its overall financial health beyond just this single metric.
How does Erste Bank Polska's 3-Year Book Growth Rate compare to competitors?
According to the Banks industry distribution chart, Erste Bank Polska ranks #638 out of 1486 companies for 3-Year Book Growth Rate. This puts Erste Bank Polska in the upper half of its industry. The industry median 3-Year Book Growth Rate is 8.80. Erste Bank Polska's value of 9.90% is 12.5% above this benchmark. Historically, Erste Bank Polska's own 3-Year Book Growth Rate has ranged from 0.60 to 65.80 over the past decade. While the company's 10-year median is 11.20 vs. the industry median of 8.80, Erste Bank Polska 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 1,486 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. Erste Bank Polska's current 3-Year Book Growth Rate of 9.90% is 12.5% 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 Erste Bank Polska 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. Erste Bank Polska's current 3-Year Book Growth Rate is 9.90%, which is 12% below median its own 10-year median of 11.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Erste Bank Polska stock overvalued right now?
Erste Bank Polska (LTS:0DVR) has a current 3-Year Book Growth Rate of 9.90%. The stock's GF Value™ is zł275.68, compared to a current price of zł395.55 — trading 43.5% above its estimated fair value. The current 3-Year Book Growth Rate is 9.90%, which is 12% below median its 10-year median of 11.20 and 12.5% above the Banks industry median of 8.80. Erste Bank Polska's overall GF Score™ is 72/100 with 9 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 Erste Bank Polska (LTS:0DVR), the current 3-Year Book Growth Rate is 9.90% 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 Erste Bank Polska (LTS:0DVR) Overvalued in 2026?
Based on GuruFocus' analysis, Erste Bank Polska stock appears to be overvalued.
The current stock price of zł395.55 is trading 43.5% above its estimated GF Value™ of zł275.68.
Key valuation signals for LTS:0DVR:
3-Year Book Growth Rate: 9.90% (12% below median its 10-year median of 11.20)
GF Value™: zł275.68 vs. price of zł395.55 (43.5% above fair value)
Industry Position: 12.5% above the Banks median (#638 of 1486)
No single metric tells the full story. See the LTS:0DVR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Erste Bank Polska SA is a commercial bank. It provides financial products and services such as Personal accounts, Payment cards, Loans, Savings and investments, and products for overseas customers.
72GF Score
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