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AMMB Holdings BhdAMMHF 54 Return-on-Tangible-Asset is 1.04% as of Mar. 2026, which is 11% above its 10-year median of 0.94. GuruFocus rates AMMHF with a GF Score™ of 54/100 and a GF Value™ of $1.57 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 1,532 Banks companies, AMMB Holdings Bhd ranks better than 54.44% 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. AMMB Holdings Bhd's annualizedNet Income for the quarter that ended in Mar. 2026 was $527 Mil. AMMB Holdings Bhd's average total tangible assets for the quarter that ended in Mar. 2026 was $50,908 Mil. Therefore, AMMB Holdings Bhd's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.04%.
The historical rank and industry rank for AMMB Holdings Bhd's Return-on-Tangible-Asset or its related term are showing as below:
AMMHF'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -2.29 Med: 0.94 Max: 1.05
Current: 1.05
During the past 13 years, AMMB Holdings Bhd's highest Return-on-Tangible-Asset was 1.05%. The lowest was -2.29%. And the median was 0.94%.
AMMHF's Return-on-Tangible-Asset is ranked better than 54.44% of 1532
companies
in the Banks industry
Industry Median: 0.99
vs AMMHF: 1.05
AMMB Holdings Bhd (OTCPK:AMMHF) 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.
AMMB Holdings Bhd Return-on-Tangible-Asset Related Terms
AMMB Holdings Bhd Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for AMMB Holdings Bhd'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.
AMMB Holdings Bhd Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, AMMB Holdings Bhd'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.
AMMB Holdings Bhd Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, AMMB Holdings Bhd's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where AMMB Holdings Bhd'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 1.04% mean?
AMMB Holdings Bhd (AMMHF) has a Return-on-Tangible-Asset of 1.04% 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 AMMB Holdings Bhd and its competitors. This is 11% above median its historical median of 0.94. According to the industry distribution chart, AMMB Holdings Bhd ranks #698 out of 1532 companies in the Banks industry, placing it in the top 45.6%.
Is AMMB Holdings Bhd's Return-on-Tangible-Asset too high?
AMMB Holdings Bhd's current Return-on-Tangible-Asset of 1.04% is 11% above median its 10-year median of 0.94. The Banks industry median Return-on-Tangible-Asset is 0.99. AMMB Holdings Bhd's value of 1.04% is 5.1% above this industry median. Based on the distribution chart, AMMB Holdings Bhd ranks #698 out of 1532 companies in the Banks industry, which is above the industry midpoint. Overall, AMMB Holdings Bhd has a GF Score™ of 54/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does AMMB Holdings Bhd's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, AMMB Holdings Bhd ranks #698 out of 1532 companies for Return-on-Tangible-Asset. This puts AMMB Holdings Bhd in the upper half of its industry. The industry median Return-on-Tangible-Asset is 0.99. AMMB Holdings Bhd's value of 1.04% is 5.1% above this benchmark. While the company's 10-year median is 0.94 vs. the industry median of 0.99, AMMB Holdings Bhd 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 1,532 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. AMMB Holdings Bhd's current Return-on-Tangible-Asset of 1.04% is 5.1% 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 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 AMMB Holdings Bhd 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. AMMB Holdings Bhd's current Return-on-Tangible-Asset is 1.04%, which is 11% above median its own 10-year median of 0.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AMMB Holdings Bhd stock overvalued right now?
Based on GuruFocus' analysis, AMMB Holdings Bhd (AMMHF) is currently considered Modestly Undervalued. The stock's GF Value™ is $1.57, compared to a current price of $1.26 — trading 20.1% below its estimated fair value. The current Return-on-Tangible-Asset is 1.04%, which is 11% above median its 10-year median of 0.94 and 5.1% above the Banks industry median of 0.99. AMMB Holdings Bhd's overall GF Score™ is 54/100 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 AMMB Holdings Bhd (AMMHF), the current Return-on-Tangible-Asset is 1.04% 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 AMMB Holdings Bhd (AMMHF) Overvalued in 2026?
Based on GuruFocus' analysis, AMMB Holdings Bhd stock appears to be undervalued.
The current stock price of $1.26 is trading 20.1% below its estimated GF Value™ of $1.57.
GuruFocus considers AMMB Holdings Bhd to be Modestly Undervalued.
Key valuation signals for AMMHF:
Return-on-Tangible-Asset: 1.04% (11% above median its 10-year median of 0.94)
GF Value™: $1.57 vs. price of $1.26 (20.1% below fair value)
Industry Position: 5.1% above the Banks median (#698 of 1532)
No single metric tells the full story. See the AMMHF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AMMB Holdings Bhd is a provider of banking and financial services in Malaysia through its subsidiaries: AmBank and AmBank Islamic. The bank's substantial segment which contributes the vast majority of revenue, is retail banking. The retail banking segment provides individuals and small businesses with services such as credit, auto financing, mortgages, credit cards, capital financing, personal loans, deposits, current accounts, and savings accounts. The wholesale banking business engages with corporate finance and advisory services, restructuring, security issuance, futures market services, stockbroking, and derivatives services. The insurance division offers life and general insurance products via its partnership with MetLife International. Investment banking, Fund management.
54GF Score
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