BNK BankingASX:BBC 26 Return-on-Tangible-Asset is 0.07% as of Dec. 2025, which is 250% above its 10-year median of 0.02. GuruFocus rates ASX:BBC with a GF Score™ of 26/100 and a GF Value™ of A$0.51 (Possible Value Trap). The stock has 2 warning signs investors should review. Among 1,530 Banks companies, BNK Banking ranks worse than 93.01% 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. BNK Banking's annualizedNet Income for the quarter that ended in Dec. 2025 was A$0.84 Mil. BNK Banking's average total tangible assets for the quarter that ended in Dec. 2025 was A$1,231.76 Mil. Therefore, BNK Banking's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 0.07%.
The historical rank and industry rank for BNK Banking's Return-on-Tangible-Asset or its related term are showing as below:
ASX:BBC'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -0.54 Med: 0.02 Max: 4.42
Current: 0.1
During the past 13 years, BNK Banking's highest Return-on-Tangible-Asset was 4.42%. The lowest was -0.54%. And the median was 0.02%.
ASX:BBC's Return-on-Tangible-Asset is ranked worse than 93.01% of 1530
companies
in the Banks industry
Industry Median: 0.99
vs ASX:BBC: 0.10
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.
BNK Banking Return-on-Tangible-Asset Related Terms
BNK Banking Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for BNK Banking'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.
ASX:BBC vs PNC, USB: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, BNK Banking'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.
BNK Banking Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, BNK Banking's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where BNK Banking'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 two times the semi-annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 0.07% mean?
BNK Banking (ASX:BBC) has a Return-on-Tangible-Asset of 0.07% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on BNK Banking and its competitors. This is 250% above median its historical median of 0.02. According to the industry distribution chart, BNK Banking ranks #1423 out of 1530 companies in the Banks industry, placing it in the top 93%.
Is BNK Banking's Return-on-Tangible-Asset too high?
BNK Banking's current Return-on-Tangible-Asset of 0.07% is 250% above median its 10-year median of 0.02. The Banks industry median Return-on-Tangible-Asset is 0.99. BNK Banking's value of 0.07% is 92.9% below this industry median. Based on the distribution chart, BNK Banking ranks #1423 out of 1530 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, BNK Banking has a GF Score™ of 26/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does BNK Banking's Return-on-Tangible-Asset compare to PNC and USB?
According to the Banks industry distribution chart, BNK Banking ranks #1423 out of 1530 companies for Return-on-Tangible-Asset. This places BNK Banking in the lower half of its industry. The industry median Return-on-Tangible-Asset is 0.99. BNK Banking's value of 0.07% is 92.9% below this benchmark. While the company's 10-year median is 0.02 vs. the industry median of 0.99, BNK Banking has consistently been below 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 1,530 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. BNK Banking's current Return-on-Tangible-Asset of 0.07% is 92.9% below 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 BNK Banking 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. BNK Banking's current Return-on-Tangible-Asset is 0.07%, which is 250% above median its own 10-year median of 0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BNK Banking stock overvalued right now?
Based on GuruFocus' analysis, BNK Banking (ASX:BBC) is currently considered Possible Value Trap. The stock's GF Value™ is A$0.51, compared to a current price of A$0.24 — trading 52.9% below its estimated fair value. The current Return-on-Tangible-Asset is 0.07%, which is 250% above median its 10-year median of 0.02 and 92.9% below the Banks industry median of 0.99. BNK Banking's overall GF Score™ is 26/100 with 2 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 BNK Banking (ASX:BBC), the current Return-on-Tangible-Asset is 0.07% as of Dec. 2025. 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 BNK Banking (ASX:BBC) Overvalued in 2026?
Based on GuruFocus' analysis, BNK Banking stock appears to be undervalued.
The current stock price of A$0.24 is trading 52.9% below its estimated GF Value™ of A$0.51.
GuruFocus considers BNK Banking to be Possible Value Trap.
Key valuation signals for ASX:BBC:
Return-on-Tangible-Asset: 0.07% (250% above median its 10-year median of 0.02)
GF Value™: A$0.51 vs. price of A$0.24 (52.9% below fair value)
Industry Position: 92.9% below the Banks median (#1423 of 1530)
No single metric tells the full story. See the ASX:BBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BNK Banking Corp Ltd is engaged in the provision of a range of banking products and services to existing and new customers. The company offers a range of loan products, including home loans, personal loans, car loans, and business loans. It also offers a range of savings and investments, including transaction and savings accounts and term deposits. The company offers general and health insurance. It offers deposit accounts, including General Savings Accounts and Business Accounts. It generates maximum revenue from the Banking segment.
26GF Score
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Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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