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NLB Banka adXBLB:VBBB-R-A 3-Year Book Growth Rate is 17.60% as of Dec. 2025, which is 184% above its 10-year median of 6.20. The stock has 4 warning signs investors should review.
During the past 12 months, NLB Banka ad's average Book Value per Share Growth Rate was -99.90% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 17.60% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 100.00% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 37.50% 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 NLB Banka ad was 1008.20% per year. The lowest was 3.10% per year. And the median was 6.20% per year.
NLB Banka ad (XBLB:VBBB-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.
NLB Banka ad 3-Year Book Growth Rate Related Terms
NLB Banka ad 3-Year Book Growth Rate Competitor Comparison
For the Banks - Regional subindustry, NLB Banka 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.
NLB Banka ad 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, NLB Banka ad's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where NLB Banka ad'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 17.60% mean?
NLB Banka ad (XBLB:VBBB-R-A) has a 3-Year Book Growth Rate of 17.60% 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 NLB Banka ad and its competitors. This is 184% above median its historical median of 6.20. Over the past decade, NLB Banka ad's 3-Year Book Growth Rate has ranged from 3.10 to 1,008.20.
Is NLB Banka ad's 3-Year Book Growth Rate too high?
NLB Banka ad's current 3-Year Book Growth Rate of 17.60% is 184% above median its 10-year median of 6.20. Over the past 10 years, this metric has ranged from a low of 3.10 to a high of 1,008.20. The Banks industry median 3-Year Book Growth Rate is 8.80. NLB Banka ad's value of 17.60% is 100% above this industry median.
How does NLB Banka ad's 3-Year Book Growth Rate compare to competitors?
NLB Banka ad's 3-Year Book Growth Rate of 17.60% can be compared against companies in the Banks industry. The industry median 3-Year Book Growth Rate is 8.80. NLB Banka ad's value of 17.60% is 100% above this benchmark. Historically, NLB Banka ad's own 3-Year Book Growth Rate has ranged from 3.10 to 1,008.20 over the past decade. While the company's 10-year median is 6.20 vs. the industry median of 8.80, NLB Banka ad 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. NLB Banka ad's current 3-Year Book Growth Rate of 17.60% is 100% 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 NLB Banka 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. NLB Banka ad's current 3-Year Book Growth Rate is 17.60%, which is 184% above median its own 10-year median of 6.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NLB Banka ad stock overvalued right now?
NLB Banka ad (XBLB:VBBB-R-A) has a current 3-Year Book Growth Rate of 17.60%. The stock's GF Value™ is BAM2,109.54, compared to a current price of BAM6,000.00 — trading 184.4% above its estimated fair value. The current 3-Year Book Growth Rate is 17.60%, which is 184% above median its 10-year median of 6.20 and 100% above the Banks industry median of 8.80. 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 NLB Banka ad (XBLB:VBBB-R-A), the current 3-Year Book Growth Rate is 17.60% 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.
NLB Banka ad is a banking service provider that operates in Bosnia and Herzegovina. The company is engaged in offering services like retail banking which include retail banking business with private individuals, corporate banking, and financial markets.
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