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During the past 12 months, First National Financial's average Book Value per Share Growth Rate was 2.70% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 10.10% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 8.20% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 7.10% 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 13 years, the highest 3-Year average Book Value per Share Growth Rate of First National Financial was 32.30% per year. The lowest was -41.20% per year. And the median was 10.00% per year.
First National Financial (TSX:FN) 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.
First National Financial 3-Year Book Growth Rate Related Terms
TSX:FN vs RKT, FNMA, FMCC: 3-Year Book Growth Rate Comparison
For the Mortgage Finance subindustry, First National Financial'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.
First National Financial 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, First National Financial's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where First National Financial's 3-Year Book Growth Rate falls into.
First National Financial 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 10.10% mean?
First National Financial (TSX:FN) has a 3-Year Book Growth Rate of 10.10% as of Sep. 2025. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for First National Financial and its competitors. This is near median its historical median of 10.00.
Is First National Financial's 3-Year Book Growth Rate too high?
First National Financial's current 3-Year Book Growth Rate of 10.10% is near median its 10-year median of 10.00. The Banks industry median 3-Year Book Growth Rate is 8.80. First National Financial's value of 10.10% is 14.8% above this industry median. Overall, First National Financial has a GF Score™ of 19/100, reflecting its overall financial health beyond just this single metric.
How does First National Financial's 3-Year Book Growth Rate compare to RKT and FNMA?
First National Financial's 3-Year Book Growth Rate of 10.10% can be compared against companies in the Banks industry. The industry median 3-Year Book Growth Rate is 8.80. First National Financial's value of 10.10% is 14.8% above this benchmark. While the company's 10-year median is 10.00 vs. the industry median of 8.80, First National Financial 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 1,488 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. First National Financial's current 3-Year Book Growth Rate of 10.10% is 14.8% 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 First National Financial 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. First National Financial's current 3-Year Book Growth Rate is 10.10%, which is near median its own 10-year median of 10.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First National Financial stock overvalued right now?
First National Financial (TSX:FN) has a current 3-Year Book Growth Rate of 10.10%. The stock's GF Value™ is C$59.71, compared to a current price of C$47.98 — trading 19.6% below its estimated fair value. The current 3-Year Book Growth Rate is 10.10%, which is near median its 10-year median of 10.00 and 14.8% above the Banks industry median of 8.80. First National Financial's overall GF Score™ is 19/100 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 First National Financial (TSX:FN), the current 3-Year Book Growth Rate is 10.10% as of Sep. 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 First National Financial (TSX:FN) Overvalued in 2026?
Based on GuruFocus' analysis, First National Financial stock appears to be undervalued.
The current stock price of C$47.98 is trading 19.6% below its estimated GF Value™ of C$59.71.
Key valuation signals for TSX:FN:
3-Year Book Growth Rate: 10.10% (near median its 10-year median of 10.00)
GF Value™: C$59.71 vs. price of C$47.98 (19.6% below fair value)
No single metric tells the full story. See the TSX:FN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First National Financial Corp is a Canadian originator, underwriter and servicer of predominantly prime residential and commercial mortgages. The Company operates in two business segments, Residential and Commercial. These segments are organized by mortgage type and contain revenue and expenses related to origination, underwriting, securitization and servicing activities. It derives maximum revenue from Residential segment.
19GF 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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