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Primary BkPRMY -2.19%58 3-Year Book Growth Rate is 12.10% as of Dec. 2025, which is 20% below its 10-year median of 15.15. GuruFocus rates PRMY with a GF Score™ of 58/100 and a GF Value™ of $25.77 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,491 Banks companies, Primary Bk ranks better than 68.68% on this metric.
During the past 12 months, Primary Bk's average Book Value per Share Growth Rate was 10.70% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 12.10% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 14.10% 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 7 years, the highest 3-Year average Book Value per Share Growth Rate of Primary Bk was 20.90% per year. The lowest was 12.10% per year. And the median was 15.15% per year.
Primary Bk (OTCPK:PRMY) 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.
Primary Bk 3-Year Book Growth Rate Related Terms
PRMY vs SBFG, INBC, BKUT: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, Primary Bk'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.
Primary Bk 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Primary Bk's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Primary Bk's 3-Year Book Growth Rate falls into.
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 12.10% mean?
Primary Bk (PRMY) has a 3-Year Book Growth Rate of 12.10% 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 Primary Bk and its competitors. This is 20% below median its historical median of 15.15. Over the past decade, Primary Bk's 3-Year Book Growth Rate has ranged from 12.10 to 20.90. According to the industry distribution chart, Primary Bk ranks #467 out of 1491 companies in the Banks industry, placing it in the top 31.3%.
Is Primary Bk's 3-Year Book Growth Rate too high?
Primary Bk's current 3-Year Book Growth Rate of 12.10% is 20% below median its 10-year median of 15.15. Over the past 10 years, this metric has ranged from a low of 12.10 to a high of 20.90. The Banks industry median 3-Year Book Growth Rate is 8.80. Primary Bk's value of 12.10% is 37.5% above this industry median. Based on the distribution chart, Primary Bk ranks #467 out of 1491 companies in the Banks industry, which is above the industry midpoint. Overall, Primary Bk has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Primary Bk's 3-Year Book Growth Rate compare to SBFG and INBC?
According to the Banks industry distribution chart, Primary Bk ranks #467 out of 1491 companies for 3-Year Book Growth Rate. This puts Primary Bk in the upper half of its industry. The industry median 3-Year Book Growth Rate is 8.80. Primary Bk's value of 12.10% is 37.5% above this benchmark. Historically, Primary Bk's own 3-Year Book Growth Rate has ranged from 12.10 to 20.90 over the past decade. While the company's 10-year median is 15.15 vs. the industry median of 8.80, Primary Bk 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 1,491 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. Primary Bk's current 3-Year Book Growth Rate of 12.10% is 37.5% 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 Primary Bk 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. Primary Bk's current 3-Year Book Growth Rate is 12.10%, which is 20% below median its own 10-year median of 15.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Primary Bk stock overvalued right now?
Based on GuruFocus' analysis, Primary Bk (PRMY) is currently considered Significantly Overvalued. The stock's GF Value™ is $25.77, compared to a current price of $35.70 — trading 38.5% above its estimated fair value. The current 3-Year Book Growth Rate is 12.10%, which is 20% below median its 10-year median of 15.15 and 37.5% above the Banks industry median of 8.80. Primary Bk's overall GF Score™ is 58/100 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 Primary Bk (PRMY), the current 3-Year Book Growth Rate is 12.10% 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 Primary Bk (PRMY) Overvalued in 2026?
Based on GuruFocus' analysis, Primary Bk stock appears to be overvalued.
The current stock price of $35.70 is trading 38.5% above its estimated GF Value™ of $25.77.
GuruFocus considers Primary Bk to be Significantly Overvalued.
Key valuation signals for PRMY:
3-Year Book Growth Rate: 12.10% (20% below median its 10-year median of 15.15)
GF Value™: $25.77 vs. price of $35.70 (38.5% above fair value)
Industry Position: 37.5% above the Banks median (#467 of 1491)
No single metric tells the full story. See the PRMY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Primary Bk is a banking service provider. The services offered by the bank include online banking, mobile banking, remote deposit, cash management, and credit cards. The Bank provides a variety of financial services to small and medium-sized businesses, professionals, municipalities, and not-for-profit organizations through its offices in Bedford, Manchester, Derry, and Nashua, New Hampshire.
58GF 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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