Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
During the past 12 months, Hypo Alpe-Adria Bank AD's average Book Value per Share Growth Rate was -0.90% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 8.60% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 7.10% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 2.70% 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 Hypo Alpe-Adria Bank AD was 8.60% per year. The lowest was -17.70% per year. And the median was 0.35% per year.
Hypo Alpe-Adria Bank AD (XBLB:KRLB-R-A) 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.
Hypo Alpe-Adria Bank AD 3-Year Book Growth Rate Related Terms
XBLB:KRLB-R-A vs PNC, USB, NU: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, Hypo Alpe-Adria Bank AD'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.
Hypo Alpe-Adria Bank AD 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Hypo Alpe-Adria Bank AD's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Hypo Alpe-Adria Bank AD's 3-Year Book Growth Rate falls into.
Hypo Alpe-Adria Bank AD 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 8.60% mean?
Hypo Alpe-Adria Bank AD (XBLB:KRLB-R-A) has a 3-Year Book Growth Rate of 8.60% 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 Hypo Alpe-Adria Bank AD and its competitors. This is 2357% above median its historical median of 0.35.
Is Hypo Alpe-Adria Bank AD's 3-Year Book Growth Rate too high?
Hypo Alpe-Adria Bank AD's current 3-Year Book Growth Rate of 8.60% is 2357% above median its 10-year median of 0.35. The Banks industry median 3-Year Book Growth Rate is 8.80. Hypo Alpe-Adria Bank AD's value of 8.60% is 2.3% below this industry median. Overall, Hypo Alpe-Adria Bank AD has a GF Score™ of 18/100, reflecting its overall financial health beyond just this single metric.
How does Hypo Alpe-Adria Bank AD's 3-Year Book Growth Rate compare to PNC and USB?
Hypo Alpe-Adria Bank AD's 3-Year Book Growth Rate of 8.60% can be compared against companies in the Banks industry. The industry median 3-Year Book Growth Rate is 8.80. Hypo Alpe-Adria Bank AD's value of 8.60% is 2.3% below this benchmark. While the company's 10-year median is 0.35 vs. the industry median of 8.80, Hypo Alpe-Adria Bank AD 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 1,497 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. Hypo Alpe-Adria Bank AD's current 3-Year Book Growth Rate of 8.60% is 2.3% 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 Hypo Alpe-Adria Bank AD 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. Hypo Alpe-Adria Bank AD's current 3-Year Book Growth Rate is 8.60%, which is 2357% above median its own 10-year median of 0.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hypo Alpe-Adria Bank AD stock overvalued right now?
Hypo Alpe-Adria Bank AD (XBLB:KRLB-R-A) has a current 3-Year Book Growth Rate of 8.60%. The stock's GF Value™ is BAM1.31, compared to a current price of BAM1.14 — trading 13% below its estimated fair value. The current 3-Year Book Growth Rate is 8.60%, which is 2357% above median its 10-year median of 0.35 and 2.3% below the Banks industry median of 8.80. Hypo Alpe-Adria Bank AD's overall GF Score™ is 18/100 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 Hypo Alpe-Adria Bank AD (XBLB:KRLB-R-A), the current 3-Year Book Growth Rate is 8.60% 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 Hypo Alpe-Adria Bank AD (XBLB:KRLB-R-A) Overvalued in 2026?
Based on GuruFocus' analysis, Hypo Alpe-Adria Bank AD stock appears to be undervalued.
The current stock price of BAM1.14 is trading 13% below its estimated GF Value™ of BAM1.31.
Key valuation signals for XBLB:KRLB-R-A:
3-Year Book Growth Rate: 8.60% (2357% above median its 10-year median of 0.35)
GF Value™: BAM1.31 vs. price of BAM1.14 (13% below fair value)
No single metric tells the full story. See the XBLB:KRLB-R-A stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hypo Alpe-Adria Bank AD is a bank. It is engaged in providing financial products and services. The company's operating segment includes Consumer; SME Business; Mortgage; Large Corporates; Public Finance; and Corporate Center. It offers products and services including loans, leasing, savings, currency exchange, mobile banking, advisory services, deposits, and investment banking services. It generates the majority of its revenue from the Consumer segment.
18GF Score
Get the complete analysis for XBLB:KRLB-R-A
3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XBLB:KRLB-R-A has been successfully added to your 
