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Banco de OccidenteBOG:OCCIDENTE 56 Graham Number is COP53,702.18 as of Dec. 2025, which is 100% below its 10-year median of 0.67. GuruFocus rates BOG:OCCIDENTE with a GF Score™ of 56/100 and a GF Value™ of COP19,105.30 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,429 Banks companies, Banco de Occidente ranks better than 89.36% on this metric.
Graham Number is a figure that measures a stock's fundamental value by taking into account the company's earnings per share and book value per share. The Graham number is the upper bound of the price range that a defensive investor should pay for the stock. According to the theory, any stock price below the Graham number is considered undervalued, and thus worth investing in.
As of today (2026-08-15), the stock price of Banco de Occidente is COP21000.00. Banco de Occidente's graham number for the quarter that ended in Dec. 2025 was COP53,702.18. Therefore, Banco de Occidente's Price to Graham Number ratio for today is 0.39.
The historical rank and industry rank for Banco de Occidente's Graham Number or its related term are showing as below:
BOG:OCCIDENTE'
s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.25 Med: 0.67 Max: 1.17
Current: 0.39
During the past 13 years, the highest Price to Graham Number ratio of Banco de Occidente was 1.17. The lowest was 0.25. And the median was 0.67.
BOG:OCCIDENTE's Price-to-Graham-Number is ranked better than 89.36% of 1429
companies
in the Banks industry
Industry Median: 0.81
vs BOG:OCCIDENTE: 0.39
Graham Number is a combination of asset valuation and earnings power valuation. It is a very conservative way of valuing a stock.
Banco de Occidente (BOG:OCCIDENTE) Graham Number Explanation
Ben Graham actually did not publish a formula like this. But he wrote in The Intelligent Investor (1948 version) regarding to the criteria for purchases:
Current price should not be more than 15 times average earnings of the past three years.
Current price should not be more than 1.5 times the book value last reported. However, a multiplier of earnings below 15 could justify a correspondingly higher multiplier of assets. As a rule of thumb we suggest that the product of the multiplier times the ratio of price to book value should not exceed 22.5. (This figure corresponds to 15 times earnings and 1.5 times book value. It would admit an issue selling at only 9 times earnings and 2.5 times asset value, etc.)
Unlike valuation methods such as DCF or Discounted Earnings, the Graham number does not take growth into the valuation. Unlike the valuation methods based on book value alone, it takes into account the earnings power. Therefore, the Graham Number is a combination of asset valuation and earnings power valuation.
In general, the Graham number is a very conservative way of valuing a stock. It cannot be applied to companies with negative book values.
Banco de Occidente's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Dec. 2025 )
=
21000.00
/
53,702.18
=
0.39
* 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.
Be Aware
Please keep these in mind:
1. Graham Number does not take growth into account. Therefore it underestimates the values of the companies that have good earnings growth. We feel that if the earnings per share grows more than 10% a year, Graham Number underestimates the value.
2. Graham Number punishes the companies that have temporarily low earnings. Therefore, an average of earnings makes more sense in the calculation of Graham Number.
3. Graham Numbers underestimates companies that are light with book.
Banco de Occidente Graham Number Related Terms
Banco de Occidente Graham Number Historical Data
* Premium members only.
The historical data trend for Banco de Occidente's Graham Number 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.
BOG:OCCIDENTE vs PNC, USB: Graham Number Comparison
For the Banks - Regional subindustry, Banco de Occidente's Price-to-Graham-Number, along with its competitors' market caps and Price-to-Graham-Number 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 de Occidente Price-to-Graham-Number vs Banks Industry
For the Banks industry and Financial Services sector, Banco de Occidente's Price-to-Graham-Number distribution charts can be found below:
* The bar in red indicates where Banco de Occidente's Price-to-Graham-Number 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.
Banco de Occidente (BOG:OCCIDENTE) has a Graham Number of COP53,702.18 as of Dec. 2025. The Graham Number values a company based on its per-share earnings and book value. View historical data on Banco de Occidente and its competitors. This is 8015151% above median its historical median of 0.67. Over the past decade, Banco de Occidente's Graham Number has ranged from 0.25 to 1.17. According to the industry distribution chart, Banco de Occidente ranks #152 out of 1429 companies in the Banks industry, placing it in the top 10.6%.
Is Banco de Occidente's Graham Number too high?
Banco de Occidente's current Graham Number of COP53,702.18 is 8015151% above median its 10-year median of 0.67. Over the past 10 years, this metric has ranged from a low of 0.25 to a high of 1.17. Based on the distribution chart, Banco de Occidente ranks #152 out of 1429 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Banco de Occidente has a GF Score™ of 56/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Banco de Occidente's Graham Number compare to PNC and USB?
According to the Banks industry distribution chart, Banco de Occidente ranks #152 out of 1429 companies for Graham Number. This places Banco de Occidente in the top 11% of its industry — outperforming the majority of peers. The industry median Graham Number is 0.81. Historically, Banco de Occidente's own Graham Number has ranged from 0.25 to 1.17 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Graham Number for a Banks company?
The median Graham Number among Banks companies is 0.81, based on 1,429 companies in the industry. Companies in the top quartile (top 25%) have a Graham Number significantly above this median, while those in the bottom quartile fall well below. However, Graham Number should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Graham Number mean?
A high Graham Number can signal that a stock is expensive relative to its fundamentals. The Graham Number values a company based on its per-share earnings and book value. View historical data on Banco de Occidente and its competitors. For the Banks industry, the median Graham Number is 0.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco de Occidente's current Graham Number is COP53,702.18, which is 8015151% above median its own 10-year median of 0.67. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco de Occidente stock overvalued right now?
Based on GuruFocus' analysis, Banco de Occidente (BOG:OCCIDENTE) is currently considered Fairly Valued. The stock's GF Value™ is COP19,105.30, compared to a current price of COP21,000.00 — trading 9.9% above its estimated fair value. The current Graham Number is COP53,702.18, which is 8015151% above median its 10-year median of 0.67. Banco de Occidente's overall GF Score™ is 56/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Graham Number calculated?
Graham Number is calculated from a company's financial statements. For Banco de Occidente (BOG:OCCIDENTE), the current Graham Number is COP53,702.18 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.
Is Banco de Occidente (BOG:OCCIDENTE) Overvalued in 2026?
Based on GuruFocus' analysis, Banco de Occidente stock appears to be overvalued.
The current stock price of COP21,000.00 is trading 9.9% above its estimated GF Value™ of COP19,105.30.
GuruFocus considers Banco de Occidente to be Fairly Valued.
Key valuation signals for BOG:OCCIDENTE:
Graham Number: COP53,702.18 (8015151% above median its 10-year median of 0.67)
GF Value™: COP19,105.30 vs. price of COP21,000.00 (9.9% above fair value)
No single metric tells the full story. See the BOG:OCCIDENTE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banco de Occidente SA is a Colombia based banking firm. The company offers personal banking services, including current and savings accounts; debit and credit cards; revolving credit, and credit warrant, as well as business banking products and services.
56GF Score
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