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Abu Dhabi Commercial BankADX:ADCB -1.93%61 Return-on-Tangible-Asset is 1.72% as of Mar. 2026, which is 10% above its 10-year median of 1.56. GuruFocus rates ADX:ADCB with a GF Score™ of 61/100 and a GF Value™ of د.إ13.60 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,529 Banks companies, Abu Dhabi Commercial Bank ranks better than 82.47% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Abu Dhabi Commercial Bank's annualizedNet Income for the quarter that ended in Mar. 2026 was د.إ13,444 Mil. Abu Dhabi Commercial Bank's average total tangible assets for the quarter that ended in Mar. 2026 was د.إ783,595 Mil. Therefore, Abu Dhabi Commercial Bank's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.72%.
The historical rank and industry rank for Abu Dhabi Commercial Bank's Return-on-Tangible-Asset or its related term are showing as below:
ADX:ADCB'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.95 Med: 1.56 Max: 1.78
Current: 1.68
During the past 13 years, Abu Dhabi Commercial Bank's highest Return-on-Tangible-Asset was 1.78%. The lowest was 0.95%. And the median was 1.56%.
ADX:ADCB's Return-on-Tangible-Asset is ranked better than 82.47% of 1529
companies
in the Banks industry
Industry Median: 0.99
vs ADX:ADCB: 1.68
Abu Dhabi Commercial Bank (ADX:ADCB) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Abu Dhabi Commercial Bank Return-on-Tangible-Asset Related Terms
Abu Dhabi Commercial Bank Return-on-Tangible-Asset Historical Data
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The historical data trend for Abu Dhabi Commercial Bank's Return-on-Tangible-Asset 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.
Abu Dhabi Commercial Bank Return-on-Tangible-Asset Chart
Abu Dhabi Commercial Bank Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, Abu Dhabi Commercial Bank's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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.
Abu Dhabi Commercial Bank Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Abu Dhabi Commercial Bank's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Abu Dhabi Commercial Bank's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.72% mean?
Abu Dhabi Commercial Bank (ADX:ADCB) has a Return-on-Tangible-Asset of 1.72% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Abu Dhabi Commercial Bank and its competitors. This is 10% above median its historical median of 1.56. Over the past decade, Abu Dhabi Commercial Bank's Return-on-Tangible-Asset has ranged from 0.95 to 1.78. According to the industry distribution chart, Abu Dhabi Commercial Bank ranks #268 out of 1529 companies in the Banks industry, placing it in the top 17.5%.
Is Abu Dhabi Commercial Bank's Return-on-Tangible-Asset too high?
Abu Dhabi Commercial Bank's current Return-on-Tangible-Asset of 1.72% is 10% above median its 10-year median of 1.56. Over the past 10 years, this metric has ranged from a low of 0.95 to a high of 1.78. The Banks industry median Return-on-Tangible-Asset is 0.99. Abu Dhabi Commercial Bank's value of 1.72% is 73.7% above this industry median. Based on the distribution chart, Abu Dhabi Commercial Bank ranks #268 out of 1529 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Abu Dhabi Commercial Bank has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Abu Dhabi Commercial Bank's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, Abu Dhabi Commercial Bank ranks #268 out of 1529 companies for Return-on-Tangible-Asset. This places Abu Dhabi Commercial Bank in the top 18% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 0.99. Abu Dhabi Commercial Bank's value of 1.72% is 73.7% above this benchmark. Historically, Abu Dhabi Commercial Bank's own Return-on-Tangible-Asset has ranged from 0.95 to 1.78 over the past decade. While the company's 10-year median is 1.56 vs. the industry median of 0.99, Abu Dhabi Commercial Bank 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Abu Dhabi Commercial Bank's current Return-on-Tangible-Asset of 1.72% is 73.7% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Abu Dhabi Commercial Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Abu Dhabi Commercial Bank's current Return-on-Tangible-Asset is 1.72%, which is 10% above median its own 10-year median of 1.56. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Abu Dhabi Commercial Bank stock overvalued right now?
Based on GuruFocus' analysis, Abu Dhabi Commercial Bank (ADX:ADCB) is currently considered Fairly Valued. The stock's GF Value™ is د.إ13.60, compared to a current price of د.إ14.22 — trading 4.6% above its estimated fair value. The current Return-on-Tangible-Asset is 1.72%, which is 10% above median its 10-year median of 1.56 and 73.7% above the Banks industry median of 0.99. Abu Dhabi Commercial Bank's overall GF Score™ is 61/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Abu Dhabi Commercial Bank (ADX:ADCB), the current Return-on-Tangible-Asset is 1.72% 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 Abu Dhabi Commercial Bank (ADX:ADCB) Overvalued in 2026?
Based on GuruFocus' analysis, Abu Dhabi Commercial Bank stock appears to be overvalued.
The current stock price of د.إ14.22 is trading 4.6% above its estimated GF Value™ of د.إ13.60.
GuruFocus considers Abu Dhabi Commercial Bank to be Fairly Valued.
Key valuation signals for ADX:ADCB:
Return-on-Tangible-Asset: 1.72% (10% above median its 10-year median of 1.56)
GF Value™: د.إ13.60 vs. price of د.إ14.22 (4.6% above fair value)
Industry Position: 73.7% above the Banks median (#268 of 1529)
No single metric tells the full story. See the ADX:ADCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Abu Dhabi Commercial Bank is principally engaged in the business of retail, commercial and Islamic banking, and provision of other financial services. Its segments include Retail banking, Private banking, Corporate and investment banking, Investments and treasury, and Others. The majority of the revenue is derived from Corporate and investment banking segment that comprises of business banking, cash management, trade finance, corporate finance, small and medium enterprise financing, investment banking, Islamic financing, infrastructure and asset finance, government and public enterprises. It includes loans, deposits and other transactions and balances with corporate customers.
61GF Score
Get the complete analysis for ADX:ADCB
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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