Bank Polska Kasa OpiekiWAR:PEO +0.52%78 Piotroski F-Score is 3 as of Jun. 26, 2026, which is 50% below its 10-year median of 6.00. GuruFocus rates WAR:PEO with a GF Score™ of 78/100 and a GF Value™ of zł180.61 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 1,498 Banks companies, Bank Polska Kasa Opieki ranks worse than 88.18% on this metric.
Warning Sign:
Piotroski F-Score of 3 is low, which usually implies poor business operation.
The zones of discrimination were as such:
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Bank Polska Kasa Opieki has an F-score of 3. It is a bad or low score, which usually implies poor business operation.
The historical rank and industry rank for Bank Polska Kasa Opieki's Piotroski F-Score or its related term are showing as below:
WAR:PEO'
s Piotroski F-Score Range Over the Past 10 Years
Min: 2 Med: 6 Max: 9
Current: 3
During the past 13 years, the highest Piotroski F-Score of Bank Polska Kasa Opieki was 9. The lowest was 2. And the median was 6.
Bank Polska Kasa Opieki (WAR:PEO) Piotroski F-Score Explanation
The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.
He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.
He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.
What he found was something that exceeded his most optimistic expectations.
Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.
Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).
Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.
Bank Polska Kasa Opieki Piotroski F-Score Related Terms
Bank Polska Kasa Opieki Piotroski F-Score Historical Data
* Premium members only.
The historical data trend for Bank Polska Kasa Opieki's Piotroski F-Score can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Bank Polska Kasa Opieki's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score 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.
Bank Polska Kasa Opieki Piotroski F-Score vs Banks Industry
For the Banks industry and Financial Services sector, Bank Polska Kasa Opieki's Piotroski F-Score distribution charts can be found below:
* The bar in red indicates where Bank Polska Kasa Opieki's Piotroski F-Score falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Net Income was 1419 + 1828 + 1612 + 1685 = zł6,544 Mil.
Revenue was 3743 + 4091 + 4421 + 4259 = zł16,514 Mil.
Average Total Assets from the begining of last year (Mar24)
to the end of last year (Mar25) was
(317369 + 316046 + 324411 + 334242 + 333313) / 5 = zł325076.2 Mil. Total Assets at the begining of last year (Mar24) was zł317,369 Mil. Long-Term Debt & Capital Lease Obligation was zł23,200 Mil. Total Assets was zł333,313 Mil. Total Liabilities was zł299,323 Mil.
*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.
Profitability
Question 1. Return on Assets (ROA)
Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Bank Polska Kasa Opieki's current Net Income (TTM) was 6,562.
==> Positive ==> Score 1.
Question 2. Cash Flow Return on Assets (CFROA)
Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Bank Polska Kasa Opieki's current Cash Flow from Operations (TTM) was 8,028.
==> Positive ==> Score 1.
Question 3. Change in Return on Assets
Compare this year's return on assets (1) to last year's return on assets.
Bank Polska Kasa Opieki's return on assets of this year was 0.0196872. Bank Polska Kasa Opieki's return on assets of last year was 0.02061953.
==> Last year is higher ==> Score 0.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
Bank Polska Kasa Opieki's gearing of this year was 0.08530305. Bank Polska Kasa Opieki's gearing of last year was 0.07136788.
==> Last year is lower than this year ==> Score 0.
Question 6. Change in Working Capital (Liquidity)
Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.
Score 1 if this year's current ratio is higher, 0 if it's lower
* Note that for banks and insurance companies, there's no Total Current Assets and Total Current Liabilities reported. Thus, we use Total Assets and Total Liabilities to calculate current ratio for banks and insurance companies.
Bank Polska Kasa Opieki's current ratio of this year was 1.11252053. Bank Polska Kasa Opieki's current ratio of last year was 1.11355626.
==> Last year's current ratio is higher ==> Score 0.
Question 7. Change in Shares in Issue
Compare the number of shares in issue this year, to the number in issue last year.
Score 0 if there is larger number of shares in issue this year, 1 otherwise.
Bank Polska Kasa Opieki's number of shares in issue this year was 262.687. Bank Polska Kasa Opieki's number of shares in issue last year was 262.461.
==> There is larger number of shares in issue this year. ==> Score 0.
Efficiency
Question 8. Change in Gross Margin
Compare this year's gross margin (Gross Profit divided by sales) to last year's.
Score 1 if this year's gross margin is higher, 0 if it's lower.
* Note that for banks and insurance companies, there's no Gross Profit reported. Thus, we use net income instead of gross profit and calculate Net Margin for this score.
Bank Polska Kasa Opieki's net margin of this year was 0.37878088. Bank Polska Kasa Opieki's net margin of last year was 0.39626983.
==> Last year's net margin is higher ==> Score 0.
Question 9. Change in asset turnover
Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.
Score 1 if this year's asset turnover ratio is higher, 0 if it's lower
Bank Polska Kasa Opieki's asset turnover of this year was 0.05197517. Bank Polska Kasa Opieki's asset turnover of last year was 0.05203407.
==> Last year's asset turnover is higher ==> Score 0.
Evaluation
Piotroski F-Score
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Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Bank Polska Kasa Opieki has an F-score of 3. It is a bad or low score, which usually implies poor business operation.
Bank Polska Kasa Opieki (WAR:PEO) has a Piotroski F-Score of 3 as of Jun. 26, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Bank Polska Kasa Opieki and its competitors. This is 50% below median its historical median of 6.00. Over the past decade, Bank Polska Kasa Opieki's Piotroski F-Score has ranged from 2.00 to 9.00. According to the industry distribution chart, Bank Polska Kasa Opieki ranks #1321 out of 1498 companies in the Banks industry, placing it in the top 88.2%.
Is Bank Polska Kasa Opieki's Piotroski F-Score too high?
Bank Polska Kasa Opieki's current Piotroski F-Score of 3 is 50% below median its 10-year median of 6.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 9.00. The Banks industry median Piotroski F-Score is 6.00. Bank Polska Kasa Opieki's value of 3 is 50% below this industry median. Based on the distribution chart, Bank Polska Kasa Opieki ranks #1321 out of 1498 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Bank Polska Kasa Opieki has a GF Score™ of 78/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank Polska Kasa Opieki's Piotroski F-Score compare to PNC?
According to the Banks industry distribution chart, Bank Polska Kasa Opieki ranks #1321 out of 1498 companies for Piotroski F-Score. This places Bank Polska Kasa Opieki in the lower half of its industry. The industry median Piotroski F-Score is 6.00. Bank Polska Kasa Opieki's value of 3 is 50% below this benchmark. Historically, Bank Polska Kasa Opieki's own Piotroski F-Score has ranged from 2.00 to 9.00 over the past decade. While the company's 10-year median is 6.00 vs. the industry median of 6.00, Bank Polska Kasa Opieki 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 Piotroski F-Score for a Banks company?
The median Piotroski F-Score among Banks companies is 6.00, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a Piotroski F-Score significantly above this median, while those in the bottom quartile fall well below. However, Piotroski F-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank Polska Kasa Opieki's current Piotroski F-Score of 3 is 50% 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 Piotroski F-Score mean?
A high Piotroski F-Score can signal that a stock is expensive relative to its fundamentals. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Bank Polska Kasa Opieki and its competitors. For the Banks industry, the median Piotroski F-Score is 6.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank Polska Kasa Opieki's current Piotroski F-Score is 3, which is 50% below median its own 10-year median of 6.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Polska Kasa Opieki stock overvalued right now?
Based on GuruFocus' analysis, Bank Polska Kasa Opieki (WAR:PEO) is currently considered Modestly Overvalued. The stock's GF Value™ is zł180.61, compared to a current price of zł230.00 — trading 27.3% above its estimated fair value. The current Piotroski F-Score is 3, which is 50% below median its 10-year median of 6.00 and 50% below the Banks industry median of 6.00. Bank Polska Kasa Opieki's overall GF Score™ is 78/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Piotroski F-Score calculated?
Piotroski F-Score is calculated from a company's financial statements. For Bank Polska Kasa Opieki (WAR:PEO), the current Piotroski F-Score is 3 as of Jun. 26, 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 Bank Polska Kasa Opieki (WAR:PEO) Overvalued in 2026?
Based on GuruFocus' analysis, Bank Polska Kasa Opieki stock appears to be overvalued.
The current stock price of zł230.00 is trading 27.3% above its estimated GF Value™ of zł180.61.
GuruFocus considers Bank Polska Kasa Opieki to be Modestly Overvalued.
Key valuation signals for WAR:PEO:
Piotroski F-Score: 3 (50% below median its 10-year median of 6.00)
GF Value™: zł180.61 vs. price of zł230.00 (27.3% above fair value)
Industry Position: 50% below the Banks median (#1321 of 1498)
No single metric tells the full story. See the WAR:PEO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank Polska Kasa Opieki SA is a commercial banking group that provides a wide variety of retail and investment services in Poland. The group's four segments include retail banking and private banking, corporate and investment banking, enterprise banking and assets and liabilities management. Of these segments, retail and private banking is the greatest contributor to both net interest income and fee and commission income, followed by corporate and investment banking. The majority of the bank's revenue is net interest income, almost entirely derived from loans and receivables from customers.
78GF Score
Get the complete analysis for WAR:PEO
Piotroski F-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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