Bank Polska Kasa Opieki (WAR:PEO) GF Value Rank: 5 (As of Jul. 25, 2026) — 29% Below Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

WAR:PEO Bank Polska Kasa Opieki SA WAR:PEO
78 GF Score
Price zł233.70
GF Value zł180.83
Valuation Modestly Overvalued
! 9 Warning Signs
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What is Bank Polska Kasa Opieki GF Value Rank?

Bank Polska Kasa Opieki WAR:PEO +0.34% 78 GF Value Rank is 5 as of Jul. 25, 2026, which is 29% below its 10-year median of 7.00. GuruFocus rates WAR:PEO with a GF Score™ of 78/100 and a GF Value™ of zł180.83 (Modestly Overvalued). The stock has 9 warning signs investors should review.

Bank Polska Kasa Opieki has the GF Value Rank of 5.

GF Value Rank evaluates the exclusive GuruFocus valuation and performance of a stock, rated on a scale from 1 to 10. It is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

A higher score indicates a stock with a relatively low valuation and substantial potential for outperformance. Conversely, a lower score often reflects stocks that are either highly overvalued or deeply undervalued, both of which tend to underperform.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.


Bank Polska Kasa Opieki GF Value Rank Related Terms


WAR:PEO vs PNC: GF Value Rank Comparison

For the Banks - Regional subindustry, Bank Polska Kasa Opieki's GF Value Rank, along with its competitors' market caps and GF Value Rank 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 GF Value Rank vs Banks Industry

For the Banks industry and Financial Services sector, Bank Polska Kasa Opieki's GF Value Rank distribution charts can be found below:

* The bar in red indicates where Bank Polska Kasa Opieki's GF Value Rank falls into.


WAR:PEO
78GF Score
Bank Polska Kasa Opieki SA WAR:PEO
GF Value Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Value Rank →
What does a GF Value Rank of 5 mean?
Bank Polska Kasa Opieki (WAR:PEO) has a GF Value Rank of 5 as of Jul. 25, 2026. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Bank Polska Kasa Opieki and its competitors. This is 29% below median its historical median of 7.00. Over the past decade, Bank Polska Kasa Opieki's GF Value Rank has ranged from 3.00 to 10.00.
Is Bank Polska Kasa Opieki's GF Value Rank too high?
Bank Polska Kasa Opieki's current GF Value Rank of 5 is 29% below median its 10-year median of 7.00. Over the past 10 years, this metric has ranged from a low of 3.00 to a high of 10.00. 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 GF Value Rank compare to PNC?
Bank Polska Kasa Opieki's GF Value Rank of 5 can be compared against companies in the Banks industry. Historically, Bank Polska Kasa Opieki's own GF Value Rank has ranged from 3.00 to 10.00 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 GF Value Rank for a Banks company?
A good GF Value Rank depends on the Banks industry context. However, GF Value Rank 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 GF Value Rank mean?
A high GF Value Rank can signal that a stock is expensive relative to its fundamentals. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Bank Polska Kasa Opieki and its competitors. Bank Polska Kasa Opieki's current GF Value Rank is 5, which is 29% below median its own 10-year median of 7.00. 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 zł180.83, compared to a current price of zł233.70 — trading 29.2% above its estimated fair value. The current GF Value Rank is 5, which is 29% below median its 10-year median of 7.00. 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 GF Value Rank calculated?
GF Value Rank is calculated from a company's financial statements. For Bank Polska Kasa Opieki (WAR:PEO), the current GF Value Rank is 5 as of Jul. 25, 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 zł233.70 is trading 29.2% above its estimated GF Value™ of zł180.83. GuruFocus considers Bank Polska Kasa Opieki to be Modestly Overvalued.

Key valuation signals for WAR:PEO:

  • GF Value Rank: 5 (29% below median its 10-year median of 7.00)
  • GF Value™: zł180.83 vs. price of zł233.70 (29.2% above fair value)
  • GF Score™: 78/100 with 9 warning signs

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 Business Description

Other Exchanges BKPKF:USA0DP0:UKBP1:Germany
Address Zubra Street 1, Warsaw, POL, 01-066
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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GF Value Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

zł233.70
Price
zł180.83
GF Value