Bank Polska Kasa Opieki SA stock PB Ratio (=1.72) is close to 10-year high of 1.87.
The historical rank and industry rank for Bank Polska Kasa Opieki's PB Ratio or its related term are showing as below:
WAR:PEO'
s PB Ratio Range Over the Past 10 Years
Min: 0.44 Med: 1.29 Max: 1.87
Current: 1.68
During the past 13 years, Bank Polska Kasa Opieki's highest PB Ratio was 1.87. The lowest was 0.44. And the median was 1.29.
WAR:PEO's PB Ratio is ranked worse than 83.84% of 1516
companies
in the Banks industry
Industry Median: 1.09
vs WAR:PEO: 1.68
During the past 12 months, Bank Polska Kasa Opieki's average Book Value Per Share Growth Rate was 6.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 15.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 8.30% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 3.90% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Bank Polska Kasa Opieki was 15.80% per year. The lowest was -1.10% per year. And the median was 4.75% per year.
Back to Basics: PB Ratio
Bank Polska Kasa Opieki (WAR:PEO) PB Ratio Explanation
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.
* 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 Polska Kasa Opieki'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 Polska Kasa Opieki PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Bank Polska Kasa Opieki's PB Ratio distribution charts can be found below:
* The bar in red indicates where Bank Polska Kasa Opieki'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.
Bank Polska Kasa Opieki (WAR:PEO) has a PB Ratio of 1.68 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 Bank Polska Kasa Opieki and its competitors. This is 30% above median its historical median of 1.29. Over the past decade, Bank Polska Kasa Opieki's PB Ratio has ranged from 0.44 to 1.87. According to the industry distribution chart, Bank Polska Kasa Opieki ranks #1271 out of 1516 companies in the Banks industry, placing it in the top 83.8%.
Is Bank Polska Kasa Opieki's PB Ratio too high?
Bank Polska Kasa Opieki's current PB Ratio of 1.68 is 30% above median its 10-year median of 1.29. Over the past 10 years, this metric has ranged from a low of 0.44 to a high of 1.87. The Banks industry median PB Ratio is 1.09. Bank Polska Kasa Opieki's value of 1.68 is 54.1% above this industry median. Based on the distribution chart, Bank Polska Kasa Opieki ranks #1271 out of 1516 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Bank Polska Kasa Opieki has a GF Score™ of 78/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank Polska Kasa Opieki's PB Ratio compare to PNC?
According to the Banks industry distribution chart, Bank Polska Kasa Opieki ranks #1271 out of 1516 companies for PB Ratio. This places Bank Polska Kasa Opieki in the lower half of its industry. The industry median PB Ratio is 1.09. Bank Polska Kasa Opieki's value of 1.68 is 54.1% above this benchmark. Historically, Bank Polska Kasa Opieki's own PB Ratio has ranged from 0.44 to 1.87 over the past decade. While the company's 10-year median is 1.29 vs. the industry median of 1.09, Bank Polska Kasa Opieki 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. Bank Polska Kasa Opieki's current PB Ratio of 1.68 is 54.1% 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 Bank Polska Kasa Opieki 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. Bank Polska Kasa Opieki's current PB Ratio is 1.68, which is 30% above median its own 10-year median of 1.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Polska Kasa Opieki stock overvalued right now?
Based on GuruFocus' analysis, Bank Polska Kasa Opieki (WAR:PEO) is currently considered Modestly Overvalued. The stock's GF Value™ is zł180.61, compared to a current price of zł230.00 — trading 27.3% above its estimated fair value. The current PB Ratio is 1.68, which is 30% above median its 10-year median of 1.29 and 54.1% above the Banks industry median of 1.09. Bank Polska Kasa Opieki's overall GF Score™ is 78/100 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 Bank Polska Kasa Opieki (WAR:PEO), the current PB Ratio is 1.68 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 Bank Polska Kasa Opieki (WAR:PEO) Overvalued in 2026?
Based on GuruFocus' analysis, Bank Polska Kasa Opieki stock appears to be overvalued.
The current stock price of zł230.00 is trading 27.3% above its estimated GF Value™ of zł180.61.
GuruFocus considers Bank Polska Kasa Opieki to be Modestly Overvalued.
Key valuation signals for WAR:PEO:
PB Ratio: 1.68 (30% above median its 10-year median of 1.29)
GF Value™: zł180.61 vs. price of zł230.00 (27.3% above fair value)
Industry Position: 54.1% above the Banks median (#1271 of 1516)
No single metric tells the full story. See the WAR:PEO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank Polska Kasa Opieki SA is a commercial banking group that provides a wide variety of retail and investment services in Poland. The group's four segments include retail banking and private banking, corporate and investment banking, enterprise banking and assets and liabilities management. Of these segments, retail and private banking is the greatest contributor to both net interest income and fee and commission income, followed by corporate and investment banking. The majority of the bank's revenue is net interest income, almost entirely derived from loans and receivables from customers.
78GF Score
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