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National Bank of Fujairah PSCADX:NBF 56 Return-on-Tangible-Asset is 1.99% as of Mar. 2026, which is 45% above its 10-year median of 1.37. GuruFocus rates ADX:NBF with a GF Score™ of 56/100 and a GF Value™ of د.إ5.17 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,528 Banks companies, National Bank of Fujairah PSC ranks better than 86.13% on this metric.
National Bank of Fujairah PSC (ADX:NBF) 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.
National Bank of Fujairah PSC Return-on-Tangible-Asset Related Terms
National Bank of Fujairah PSC Return-on-Tangible-Asset Historical Data
* 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.
National Bank of Fujairah PSC Return-on-Tangible-Asset Chart
National Bank of Fujairah PSC Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, National Bank of Fujairah PSC'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.
National Bank of Fujairah PSC Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, National Bank of Fujairah PSC's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where National Bank of Fujairah PSC'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 1.99% mean?
National Bank of Fujairah PSC (ADX:NBF) has a Return-on-Tangible-Asset of 1.99% 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 National Bank of Fujairah PSC and its competitors. This is 45% above median its historical median of 1.37. According to the industry distribution chart, National Bank of Fujairah PSC ranks #212 out of 1528 companies in the Banks industry, placing it in the top 13.9%.
Is National Bank of Fujairah PSC's Return-on-Tangible-Asset too high?
National Bank of Fujairah PSC's current Return-on-Tangible-Asset of 1.99% is 45% above median its 10-year median of 1.37. The Banks industry median Return-on-Tangible-Asset is 1.01. National Bank of Fujairah PSC's value of 1.99% is 97% above this industry median. Based on the distribution chart, National Bank of Fujairah PSC ranks #212 out of 1528 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, National Bank of Fujairah PSC has a GF Score™ of 56/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does National Bank of Fujairah PSC's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, National Bank of Fujairah PSC ranks #212 out of 1528 companies for Return-on-Tangible-Asset. This places National Bank of Fujairah PSC in the top 14% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 1.01. National Bank of Fujairah PSC's value of 1.99% is 97% above this benchmark. While the company's 10-year median is 1.37 vs. the industry median of 1.01, National Bank of Fujairah PSC 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 1.01, based on 1,528 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. National Bank of Fujairah PSC's current Return-on-Tangible-Asset of 1.99% is 97% 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 National Bank of Fujairah PSC and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Bank of Fujairah PSC's current Return-on-Tangible-Asset is 1.99%, which is 45% above median its own 10-year median of 1.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Bank of Fujairah PSC stock overvalued right now?
Based on GuruFocus' analysis, National Bank of Fujairah PSC (ADX:NBF) is currently considered Fairly Valued. The stock's GF Value™ is د.إ5.17, compared to a current price of د.إ5.00 — trading 3.3% below its estimated fair value. The current Return-on-Tangible-Asset is 1.99%, which is 45% above median its 10-year median of 1.37 and 97% above the Banks industry median of 1.01. National Bank of Fujairah PSC's overall GF Score™ is 56/100 with 5 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 National Bank of Fujairah PSC (ADX:NBF), the current Return-on-Tangible-Asset is 1.99% 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 National Bank of Fujairah PSC (ADX:NBF) Overvalued in 2026?
Based on GuruFocus' analysis, National Bank of Fujairah PSC stock appears to be undervalued.
The current stock price of د.إ5.00 is trading 3.3% below its estimated GF Value™ of د.إ5.17.
GuruFocus considers National Bank of Fujairah PSC to be Fairly Valued.
Key valuation signals for ADX:NBF:
Return-on-Tangible-Asset: 1.99% (45% above median its 10-year median of 1.37)
GF Value™: د.إ5.17 vs. price of د.إ5.00 (3.3% below fair value)
Industry Position: 97% above the Banks median (#212 of 1528)
No single metric tells the full story. See the ADX:NBF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
National Bank of Fujairah PSC is a UAE-based commercial bank. It provides commercial banking products and services in the United Arab Emirates. The group conducts its activity through segments namely, Corporate and Institutional Banking; Business Banking, Retail Banking; and Treasury, Asset and Liability Management and others. Its products and services include current, savings and fixed deposit, and personal, auto, home, and construction loans, as well as guarantees, overdrafts, and term lending solutions. The company's majority of the revenue is generated from the Business Banking segment which offers a products and services including credit and trade finance products, and services to small and medium sized customers through separate units and accepts deposits.
56GF Score
Get the complete analysis for ADX:NBF
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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