Erste Bank PolskaLTS:0DVR 79 PB Ratio is 1.13 as of Jun. 26, 2026, which is 24% below its 10-year median of 1.49. GuruFocus rates LTS:0DVR with a GF Score™ of 79/100 and a GF Value™ of zł316.57. The stock has 9 warning signs investors should review. Among 1,516 Banks companies, Erste Bank Polska ranks worse than 86.74% on this metric.
Erste Bank Polska SA stock PB Ratio (=1.86) is close to 10-year high of 1.96.
The historical rank and industry rank for Erste Bank Polska's PB Ratio or its related term are showing as below:
LTS:0DVR'
s PB Ratio Range Over the Past 10 Years
Min: 0.47 Med: 1.49 Max: 1.96
Current: 1.86
During the past 13 years, Erste Bank Polska's highest PB Ratio was 1.96. The lowest was 0.47. And the median was 1.49.
LTS:0DVR's PB Ratio is ranked worse than 86.74% of 1516
companies
in the Banks industry
Industry Median: 1.09
vs LTS:0DVR: 1.86
During the past 12 months, Erste Bank Polska's average Book Value Per Share Growth Rate was 3.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 9.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 6.70% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 5.50% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Erste Bank Polska was 65.80% per year. The lowest was 0.60% per year. And the median was 11.20% 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.
Erste Bank Polska PB Ratio Related Terms
Erste Bank Polska PB Ratio Historical Data
* Premium members only.
The historical data trend for Erste Bank Polska'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, Erste Bank Polska'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.
Erste Bank Polska PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Erste Bank Polska's PB Ratio distribution charts can be found below:
* The bar in red indicates where Erste Bank Polska'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.
* 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.
Erste Bank Polska (LTS:0DVR) has a PB Ratio of 1.13 as of Jun. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Erste Bank Polska and its competitors. This is 24% below median its historical median of 1.49. Over the past decade, Erste Bank Polska's PB Ratio has ranged from 0.47 to 1.96. According to the industry distribution chart, Erste Bank Polska ranks #1315 out of 1516 companies in the Banks industry, placing it in the top 86.7%.
Is Erste Bank Polska's PB Ratio too high?
Erste Bank Polska's current PB Ratio of 1.13 is 24% below median its 10-year median of 1.49. Over the past 10 years, this metric has ranged from a low of 0.47 to a high of 1.96. The Banks industry median PB Ratio is 1.09. Erste Bank Polska's value of 1.13 is 3.7% above this industry median. Based on the distribution chart, Erste Bank Polska ranks #1315 out of 1516 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Erste Bank Polska has a GF Score™ of 79/100, reflecting its overall financial health beyond just this single metric.
How does Erste Bank Polska's PB Ratio compare to PNC?
According to the Banks industry distribution chart, Erste Bank Polska ranks #1315 out of 1516 companies for PB Ratio. This places Erste Bank Polska in the lower half of its industry. The industry median PB Ratio is 1.09. Erste Bank Polska's value of 1.13 is 3.7% above this benchmark. Historically, Erste Bank Polska's own PB Ratio has ranged from 0.47 to 1.96 over the past decade. While the company's 10-year median is 1.49 vs. the industry median of 1.09, Erste Bank Polska 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,516 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. Erste Bank Polska's current PB Ratio of 1.13 is 3.7% 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 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 Erste Bank Polska and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Erste Bank Polska's current PB Ratio is 1.13, which is 24% below median its own 10-year median of 1.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Erste Bank Polska stock overvalued right now?
Erste Bank Polska (LTS:0DVR) has a current PB Ratio of 1.13. The stock's GF Value™ is zł316.57, compared to a current price of zł395.55 — trading 24.9% above its estimated fair value. The current PB Ratio is 1.13, which is 24% below median its 10-year median of 1.49 and 3.7% above the Banks industry median of 1.09. Erste Bank Polska's overall GF Score™ is 79/100 with 9 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 Erste Bank Polska (LTS:0DVR), the current PB Ratio is 1.13 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 Erste Bank Polska (LTS:0DVR) Overvalued in 2026?
Based on GuruFocus' analysis, Erste Bank Polska stock appears to be overvalued.
The current stock price of zł395.55 is trading 24.9% above its estimated GF Value™ of zł316.57.
Key valuation signals for LTS:0DVR:
PB Ratio: 1.13 (24% below median its 10-year median of 1.49)
GF Value™: zł316.57 vs. price of zł395.55 (24.9% above fair value)
Industry Position: 3.7% above the Banks median (#1315 of 1516)
No single metric tells the full story. See the LTS:0DVR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Erste Bank Polska SA is a commercial bank. It provides financial products and services such as Personal accounts, Payment cards, Loans, Savings and investments, and products for overseas customers.
79GF Score
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