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Bank MillenniumLTS:0DRH 64 PB Ratio is 1.01 as of Jul. 18, 2026, which is 18% below its 10-year median of 1.23. GuruFocus rates LTS:0DRH with a GF Score™ of 64/100 and a GF Value™ of zł4.44. The stock has 6 warning signs investors should review. Among 1,517 Banks companies, Bank Millennium ranks worse than 91.5% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-07-18), Bank Millennium's share price is zł8.89. Bank Millennium's Book Value per Share for the quarter that ended in Mar. 2026 was zł8.83. Hence, Bank Millennium's PB Ratio of today is 1.01.
Warning Sign:
Bank Millennium SA stock PB Ratio (=2.36) is close to 10-year high of 2.36.
The historical rank and industry rank for Bank Millennium's PB Ratio or its related term are showing as below:
LTS:0DRH'
s PB Ratio Range Over the Past 10 Years
Min: 0.28 Med: 1.23 Max: 2.36
Current: 2.36
During the past 13 years, Bank Millennium's highest PB Ratio was 2.36. The lowest was 0.28. And the median was 1.23.
LTS:0DRH's PB Ratio is ranked worse than 91.5% of 1517
companies
in the Banks industry
Industry Median: 1.12
vs LTS:0DRH: 2.36
During the past 12 months, Bank Millennium's average Book Value Per Share Growth Rate was 33.60% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 18.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 1.90% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 0.60% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Bank Millennium was 18.40% per year. The lowest was -15.00% per year. And the median was 8.85% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Bank Millennium PB Ratio Related Terms
Bank Millennium PB Ratio Historical Data
* Premium members only.
The historical data trend for Bank Millennium's PB Ratio 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 Millennium's PB Ratio, along with its competitors' market caps and PB Ratio 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 Millennium PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Bank Millennium's PB Ratio distribution charts can be found below:
* The bar in red indicates where Bank Millennium's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Bank Millennium's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Bank Millennium (LTS:0DRH) has a PB Ratio of 1.01 as of Jul. 18, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Bank Millennium and its competitors. This is 18% below median its historical median of 1.23. Over the past decade, Bank Millennium's PB Ratio has ranged from 0.28 to 2.36. According to the industry distribution chart, Bank Millennium ranks #1388 out of 1517 companies in the Banks industry, placing it in the top 91.5%.
Is Bank Millennium's PB Ratio too high?
Bank Millennium's current PB Ratio of 1.01 is 18% below median its 10-year median of 1.23. Over the past 10 years, this metric has ranged from a low of 0.28 to a high of 2.36. The Banks industry median PB Ratio is 1.12. Bank Millennium's value of 1.01 is 9.8% below this industry median. Based on the distribution chart, Bank Millennium ranks #1388 out of 1517 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Bank Millennium has a GF Score™ of 64/100, reflecting its overall financial health beyond just this single metric.
How does Bank Millennium's PB Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Bank Millennium ranks #1388 out of 1517 companies for PB Ratio. This places Bank Millennium in the lower half of its industry. The industry median PB Ratio is 1.12. Bank Millennium's value of 1.01 is 9.8% below this benchmark. Historically, Bank Millennium's own PB Ratio has ranged from 0.28 to 2.36 over the past decade. While the company's 10-year median is 1.23 vs. the industry median of 1.12, Bank Millennium 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.12, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank Millennium's current PB Ratio of 1.01 is 9.8% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Bank Millennium and its competitors. For the Banks industry, the median PB Ratio is 1.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank Millennium's current PB Ratio is 1.01, which is 18% below median its own 10-year median of 1.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Millennium stock overvalued right now?
Bank Millennium (LTS:0DRH) has a current PB Ratio of 1.01. The stock's GF Value™ is zł4.44, compared to a current price of zł8.89 — trading 100.2% above its estimated fair value. The current PB Ratio is 1.01, which is 18% below median its 10-year median of 1.23 and 9.8% below the Banks industry median of 1.12. Bank Millennium's overall GF Score™ is 64/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Bank Millennium (LTS:0DRH), the current PB Ratio is 1.01 as of Jul. 18, 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 Millennium (LTS:0DRH) Overvalued in 2026?
Based on GuruFocus' analysis, Bank Millennium stock appears to be overvalued.
The current stock price of zł8.89 is trading 100.2% above its estimated GF Value™ of zł4.44.
Key valuation signals for LTS:0DRH:
PB Ratio: 1.01 (18% below median its 10-year median of 1.23)
GF Value™: zł4.44 vs. price of zł8.89 (100.2% above fair value)
Industry Position: 9.8% below the Banks median (#1388 of 1517)
No single metric tells the full story. See the LTS:0DRH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank Millennium SA is a commercial bank group operating in Poland. The bank's operating segments include retail, corporate, FX mortgage loans, treasury operations, assets/liabilities management and other segment. The company derives the majority of its revenue from the retail segment which comprises the banking products and services provided to individual customers on the mass market, affluent customers, sole traders as well as services to small companies.
64GF Score
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