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Mission BancorpMSBC 66 3-Year Book Growth Rate is 19.80% as of Jun. 2026, which is 11% below its 10-year median of 22.30. GuruFocus rates MSBC with a GF Score™ of 66/100 and a GF Value™ of $97.33 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,492 Banks companies, Mission Bancorp ranks better than 88.74% on this metric.
During the past 12 months, Mission Bancorp's average Book Value per Share Growth Rate was 12.80% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 19.80% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 15.60% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 26.70% 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 Mission Bancorp was 67.50% per year. The lowest was 14.00% per year. And the median was 22.30% per year.
Mission Bancorp (OTCPK:MSBC) 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.
Mission Bancorp 3-Year Book Growth Rate Related Terms
MSBC vs TSBK, BCML, MFGI: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, Mission Bancorp'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.
Mission Bancorp 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Mission Bancorp's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Mission Bancorp's 3-Year Book Growth Rate falls into.
Mission Bancorp 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 19.80% mean?
Mission Bancorp (MSBC) has a 3-Year Book Growth Rate of 19.80% 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 Mission Bancorp and its competitors. This is 11% below median its historical median of 22.30. Over the past decade, Mission Bancorp's 3-Year Book Growth Rate has ranged from 14.00 to 67.50. According to the industry distribution chart, Mission Bancorp ranks #168 out of 1492 companies in the Banks industry, placing it in the top 11.3%.
Is Mission Bancorp's 3-Year Book Growth Rate too high?
Mission Bancorp's current 3-Year Book Growth Rate of 19.80% is 11% below median its 10-year median of 22.30. Over the past 10 years, this metric has ranged from a low of 14.00 to a high of 67.50. The Banks industry median 3-Year Book Growth Rate is 8.80. Mission Bancorp's value of 19.80% is 125% above this industry median. Based on the distribution chart, Mission Bancorp ranks #168 out of 1492 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Mission Bancorp has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Mission Bancorp's 3-Year Book Growth Rate compare to TSBK and BCML?
According to the Banks industry distribution chart, Mission Bancorp ranks #168 out of 1492 companies for 3-Year Book Growth Rate. This places Mission Bancorp in the top 11% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 8.80. Mission Bancorp's value of 19.80% is 125% above this benchmark. Historically, Mission Bancorp's own 3-Year Book Growth Rate has ranged from 14.00 to 67.50 over the past decade. While the company's 10-year median is 22.30 vs. the industry median of 8.80, Mission Bancorp 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 1,492 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. Mission Bancorp's current 3-Year Book Growth Rate of 19.80% is 125% 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 Mission Bancorp 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. Mission Bancorp's current 3-Year Book Growth Rate is 19.80%, which is 11% below median its own 10-year median of 22.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mission Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Mission Bancorp (MSBC) is currently considered Modestly Overvalued. The stock's GF Value™ is $97.33, compared to a current price of $113.61 — trading 16.7% above its estimated fair value. The current 3-Year Book Growth Rate is 19.80%, which is 11% below median its 10-year median of 22.30 and 125% above the Banks industry median of 8.80. Mission Bancorp's overall GF Score™ is 66/100 with 3 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 Mission Bancorp (MSBC), the current 3-Year Book Growth Rate is 19.80% 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 Mission Bancorp (MSBC) Overvalued in 2026?
Based on GuruFocus' analysis, Mission Bancorp stock appears to be overvalued.
The current stock price of $113.61 is trading 16.7% above its estimated GF Value™ of $97.33.
GuruFocus considers Mission Bancorp to be Modestly Overvalued.
Key valuation signals for MSBC:
3-Year Book Growth Rate: 19.80% (11% below median its 10-year median of 22.30)
GF Value™: $97.33 vs. price of $113.61 (16.7% above fair value)
Industry Position: 125% above the Banks median (#168 of 1492)
No single metric tells the full story. See the MSBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mission Bancorp through its wholly owned subsidiary Mission Bank, is a single bank holding company. The company offers a full range of commercial banking services to the business and professional community and individuals. The bank generates commercial, mortgage, and consumer loans and receives deposits from customers located in the California counties of Kern, Los Angeles, Ventura, San Luis Obispo, and San Joaquin.
66GF Score
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