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Bankint Petersburg PJSCMIC:BSPB +13.27%15 Graham Number is ₽935.61 as of Mar. 2026, which is 100% below its 10-year median of 0.24. GuruFocus rates MIC:BSPB with a GF Score™ of 15/100 and a GF Value™ of ₽389.38 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 1,433 Banks companies, Bankint Petersburg PJSC ranks better than 97.14% 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 Bankint Petersburg PJSC's Graham Number or its related term are showing as below:
MIC:BSPB'
s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.15 Med: 0.24 Max: 0.41
Current: 0.26
During the past 13 years, the highest Price to Graham Number ratio of Bankint Petersburg PJSC was 0.41. The lowest was 0.15. And the median was 0.24.
MIC:BSPB's Price-to-Graham-Number is ranked better than 97.14% of 1433
companies
in the Banks industry
Industry Median: 0.81
vs MIC:BSPB: 0.26
Graham Number is a combination of asset valuation and earnings power valuation. It is a very conservative way of valuing a stock.
Bankint Petersburg PJSC (MIC:BSPB) 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.
Bankint Petersburg PJSC's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Mar. 2026 )
=
246.97
/
935.61
=
0.26
* 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.
Bankint Petersburg PJSC Graham Number Related Terms
Bankint Petersburg PJSC 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.
For the Banks - Regional subindustry, Bankint Petersburg PJSC'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.
Bankint Petersburg PJSC Price-to-Graham-Number vs Banks Industry
For the Banks industry and Financial Services sector, Bankint Petersburg PJSC's Price-to-Graham-Number distribution charts can be found below:
* The bar in red indicates where Bankint Petersburg PJSC'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.
Bankint Petersburg PJSC (MIC:BSPB) has a Graham Number of ₽935.61 as of Mar. 2026. The Graham Number values a company based on its per-share earnings and book value. View historical data on Bankint Petersburg PJSC and its competitors. This is 389738% above median its historical median of 0.24. Over the past decade, Bankint Petersburg PJSC's Graham Number has ranged from 0.15 to 0.41. According to the industry distribution chart, Bankint Petersburg PJSC ranks #41 out of 1433 companies in the Banks industry, placing it in the top 2.9%.
Is Bankint Petersburg PJSC's Graham Number too high?
Bankint Petersburg PJSC's current Graham Number of ₽935.61 is 389738% above median its 10-year median of 0.24. Over the past 10 years, this metric has ranged from a low of 0.15 to a high of 0.41. Based on the distribution chart, Bankint Petersburg PJSC ranks #41 out of 1433 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bankint Petersburg PJSC has a GF Score™ of 15/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Bankint Petersburg PJSC's Graham Number compare to PNC and USB?
According to the Banks industry distribution chart, Bankint Petersburg PJSC ranks #41 out of 1433 companies for Graham Number. This places Bankint Petersburg PJSC in the top 3% of its industry — outperforming the majority of peers. The industry median Graham Number is 0.81. Historically, Bankint Petersburg PJSC's own Graham Number has ranged from 0.15 to 0.41 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 1,433 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 Bankint Petersburg PJSC 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. Bankint Petersburg PJSC's current Graham Number is ₽935.61, which is 389738% above median its own 10-year median of 0.24. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bankint Petersburg PJSC stock overvalued right now?
Based on GuruFocus' analysis, Bankint Petersburg PJSC (MIC:BSPB) is currently considered Possible Value Trap. The stock's GF Value™ is ₽389.38, compared to a current price of ₽246.97 — trading 36.6% below its estimated fair value. The current Graham Number is ₽935.61, which is 389738% above median its 10-year median of 0.24. Bankint Petersburg PJSC's overall GF Score™ is 15/100 with 3 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 Bankint Petersburg PJSC (MIC:BSPB), the current Graham Number is ₽935.61 as of Mar. 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 Bankint Petersburg PJSC (MIC:BSPB) Overvalued in 2026?
Based on GuruFocus' analysis, Bankint Petersburg PJSC stock appears to be undervalued.
The current stock price of ₽246.97 is trading 36.6% below its estimated GF Value™ of ₽389.38.
GuruFocus considers Bankint Petersburg PJSC to be Possible Value Trap.
Key valuation signals for MIC:BSPB:
Graham Number: ₽935.61 (389738% above median its 10-year median of 0.24)
GF Value™: ₽389.38 vs. price of ₽246.97 (36.6% below fair value)
No single metric tells the full story. See the MIC:BSPB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank Saint Petersburg PJSC is a Russian privately-owned commercial bank. The Bank operates in three segments: Corporate Banking; Operation on Financial Markets, and Retail Banking. The Corporate banking segment offers settlement and current accounts, deposits, credit lines, loans, foreign currency transactions with commercial and state entities. The Operation on Financial Markets segment consists of financial instruments trading, loans, and deposits on the interbank market, dealing in foreign exchange and derivative financial instruments. The Retail banking segment private baing services, customer current accounts, retail investment products, card services, mortgages, and other loan services. The Corporate banking segment generates nearly half of the company's revenue.
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