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Great American BancorpGTPS 75 Graham Number is $123.96 as of Dec. 2025, which is 21647% above its 10-year median of 0.57. GuruFocus rates GTPS with a GF Score™ of 75/100 and a GF Value™ of $64.62 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,430 Banks companies, Great American Bancorp ranks better than 76.85% 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.
The historical rank and industry rank for Great American Bancorp's Graham Number or its related term are showing as below:
GTPS'
s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.4 Med: 0.57 Max: 1.09
Current: 0.58
During the past 13 years, the highest Price to Graham Number ratio of Great American Bancorp was 1.09. The lowest was 0.40. And the median was 0.57.
GTPS's Price-to-Graham-Number is ranked better than 76.85% of 1430
companies
in the Banks industry
Industry Median: 0.805
vs GTPS: 0.58
Graham Number is a combination of asset valuation and earnings power valuation. It is a very conservative way of valuing a stock.
Great American Bancorp (OTCPK:GTPS) 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.
Great American Bancorp's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Dec. 2025 )
=
72.00
/
123.96
=
0.58
* 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.
Great American Bancorp Graham Number Related Terms
Great American Bancorp Graham Number Historical Data
* 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.
GTPS vs MNBO, BAFN, WVFC: Graham Number Comparison
For the Banks - Regional subindustry, Great American Bancorp'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.
Great American Bancorp Price-to-Graham-Number vs Banks Industry
For the Banks industry and Financial Services sector, Great American Bancorp's Price-to-Graham-Number distribution charts can be found below:
* The bar in red indicates where Great American Bancorp'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.
Great American Bancorp (GTPS) has a Graham Number of $123.96 as of Dec. 2025. The Graham Number values a company based on its per-share earnings and book value. View historical data on Great American Bancorp and its competitors. This is 21647% above median its historical median of 0.57. Over the past decade, Great American Bancorp's Graham Number has ranged from 0.40 to 1.09. According to the industry distribution chart, Great American Bancorp ranks #331 out of 1430 companies in the Banks industry, placing it in the top 23.1%.
Is Great American Bancorp's Graham Number too high?
Great American Bancorp's current Graham Number of $123.96 is 21647% above median its 10-year median of 0.57. Over the past 10 years, this metric has ranged from a low of 0.40 to a high of 1.09. The Banks industry median Graham Number is 0.81. Great American Bancorp's value of $123.96 is 15298.8% above this industry median. Based on the distribution chart, Great American Bancorp ranks #331 out of 1430 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Great American Bancorp has a GF Score™ of 75/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Great American Bancorp's Graham Number compare to MNBO and BAFN?
According to the Banks industry distribution chart, Great American Bancorp ranks #331 out of 1430 companies for Graham Number. This places Great American Bancorp in the top 23% of its industry — outperforming the majority of peers. The industry median Graham Number is 0.81. Great American Bancorp's value of $123.96 is 15298.8% above this benchmark. Historically, Great American Bancorp's own Graham Number has ranged from 0.40 to 1.09 over the past decade. While the company's 10-year median is 0.57 vs. the industry median of 0.81, Great American Bancorp 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 Graham Number for a Banks company?
The median Graham Number among Banks companies is 0.81, based on 1,430 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. Great American Bancorp's current Graham Number of $123.96 is 15298.8% 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 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 Great American Bancorp 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. Great American Bancorp's current Graham Number is $123.96, which is 21647% above median its own 10-year median of 0.57. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Great American Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Great American Bancorp (GTPS) is currently considered Modestly Overvalued. The stock's GF Value™ is $64.62, compared to a current price of $72.00 — trading 11.4% above its estimated fair value. The current Graham Number is $123.96, which is 21647% above median its 10-year median of 0.57 and 15298.8% above the Banks industry median of 0.81. Great American Bancorp's overall GF Score™ is 75/100 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 Great American Bancorp (GTPS), the current Graham Number is $123.96 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 Great American Bancorp (GTPS) Overvalued in 2026?
Based on GuruFocus' analysis, Great American Bancorp stock appears to be overvalued.
The current stock price of $72.00 is trading 11.4% above its estimated GF Value™ of $64.62.
GuruFocus considers Great American Bancorp to be Modestly Overvalued.
Key valuation signals for GTPS:
Graham Number: $123.96 (21647% above median its 10-year median of 0.57)
GF Value™: $64.62 vs. price of $72.00 (11.4% above fair value)
Industry Position: 15298.8% above the Banks median (#331 of 1430)
No single metric tells the full story. See the GTPS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Great American Bancorp Inc is a holding company whose principal activity is the ownership and management of its wholly-owned subsidiary, First Federal Savings Bank of Champaign-Urbana (Bank). The Bank is engaged in providing a full range of banking and financial services to individual and corporate customers in Champaign County, Illinois. The Bank also provides full-service brokerage activities through a third-party broker-dealer and engages in the sale of tax-deferred annuities. The Bank's subsidiary offers insurance services to customers located in Illinois.
75GF Score
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