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.
Banco debadellXMAD:SAB -1.73%54 3-Year Book Growth Rate is 6.50% as of Jun. 2026, which is 110% above its 10-year median of 3.10. GuruFocus rates XMAD:SAB with a GF Score™ of 54/100 and a GF Value™ of €2.58 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,486 Banks companies, Banco debadell ranks worse than 64.6% on this metric.
During the past 12 months, Banco debadell's average Book Value per Share Growth Rate was -10.10% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 6.50% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 5.30% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 2.10% 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 Banco debadell was 89.60% per year. The lowest was -27.60% per year. And the median was 3.10% per year.
Banco debadell (XMAD:SAB) 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.
Banco debadell 3-Year Book Growth Rate Related Terms
XMAD:SAB vs JPM, BAC, WFC: 3-Year Book Growth Rate Comparison
For the Banks - Diversified subindustry, Banco debadell'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.
Banco debadell 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Banco debadell's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Banco debadell's 3-Year Book Growth Rate falls into.
Banco debadell 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 6.50% mean?
Banco debadell (XMAD:SAB) has a 3-Year Book Growth Rate of 6.50% 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 Banco debadell and its competitors. This is 110% above median its historical median of 3.10. According to the industry distribution chart, Banco debadell ranks #960 out of 1486 companies in the Banks industry, placing it in the top 64.6%.
Is Banco debadell's 3-Year Book Growth Rate too high?
Banco debadell's current 3-Year Book Growth Rate of 6.50% is 110% above median its 10-year median of 3.10. The Banks industry median 3-Year Book Growth Rate is 8.80. Banco debadell's value of 6.50% is 26.1% below this industry median. Based on the distribution chart, Banco debadell ranks #960 out of 1486 companies in the Banks industry, which is below the industry midpoint. Overall, Banco debadell has a GF Score™ of 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco debadell's 3-Year Book Growth Rate compare to JPM and BAC?
According to the Banks industry distribution chart, Banco debadell ranks #960 out of 1486 companies for 3-Year Book Growth Rate. This places Banco debadell in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.80. Banco debadell's value of 6.50% is 26.1% below this benchmark. While the company's 10-year median is 3.10 vs. the industry median of 8.80, Banco debadell 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 1,486 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. Banco debadell's current 3-Year Book Growth Rate of 6.50% is 26.1% 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 Banco debadell 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. Banco debadell's current 3-Year Book Growth Rate is 6.50%, which is 110% above median its own 10-year median of 3.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco debadell stock overvalued right now?
Based on GuruFocus' analysis, Banco debadell (XMAD:SAB) is currently considered Significantly Overvalued. The stock's GF Value™ is €2.58, compared to a current price of €3.64 — trading 41% above its estimated fair value. The current 3-Year Book Growth Rate is 6.50%, which is 110% above median its 10-year median of 3.10 and 26.1% below the Banks industry median of 8.80. Banco debadell's overall GF Score™ is 54/100 with 7 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 Banco debadell (XMAD:SAB), the current 3-Year Book Growth Rate is 6.50% 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 Banco debadell (XMAD:SAB) Overvalued in 2026?
Based on GuruFocus' analysis, Banco debadell stock appears to be overvalued.
The current stock price of €3.64 is trading 41% above its estimated GF Value™ of €2.58.
GuruFocus considers Banco debadell to be Significantly Overvalued.
Key valuation signals for XMAD:SAB:
3-Year Book Growth Rate: 6.50% (110% above median its 10-year median of 3.10)
GF Value™: €2.58 vs. price of €3.64 (41% above fair value)
Industry Position: 26.1% below the Banks median (#960 of 1486)
No single metric tells the full story. See the XMAD:SAB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banco de Sabadell SA is a Spanish retail and commercial bank operating mostly in Spain but with a notable lending presence in the United Kingdom and the Americas. It emphasizes scaling its current customer base and laying the foundation for international expansion. Its business line is commercial banking, which focuses on providing financial products and services to large corporations, small to medium-sized enterprises, retailers and sole proprietors, professional groupings, entrepreneurs, and personal customers. Loans and advances constitute a majority of the bank's earning assets. Its credit risk is mostly exposed to mortgage loans, followed by sovereign debt.
54GF Score
Get the complete analysis for XMAD:SAB
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
XMAD:SAB has been successfully added to your 
