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National Bank of Bahrain BSCBAH:NBB 62 Return-on-Tangible-Asset is 1.29% as of Mar. 2026, which is 17% below its 10-year median of 1.55. GuruFocus rates BAH:NBB with a GF Score™ of 62/100 and a GF Value™ of BHD0.56 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,528 Banks companies, National Bank of Bahrain BSC ranks better than 66.1% on this metric.
National Bank of Bahrain BSC (BAH:NBB) 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 Bahrain BSC Return-on-Tangible-Asset Related Terms
National Bank of Bahrain BSC 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 Bahrain BSC Return-on-Tangible-Asset Chart
BAH:NBB vs PNC, USB: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, National Bank of Bahrain BSC'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 Bahrain BSC Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, National Bank of Bahrain BSC's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where National Bank of Bahrain BSC'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 1.29% mean?
National Bank of Bahrain BSC (BAH:NBB) has a Return-on-Tangible-Asset of 1.29% 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 Bahrain BSC and its competitors. This is 17% below median its historical median of 1.55. Over the past decade, National Bank of Bahrain BSC's Return-on-Tangible-Asset has ranged from 1.23 to 2.32. According to the industry distribution chart, National Bank of Bahrain BSC ranks #518 out of 1528 companies in the Banks industry, placing it in the top 33.9%.
Is National Bank of Bahrain BSC's Return-on-Tangible-Asset too high?
National Bank of Bahrain BSC's current Return-on-Tangible-Asset of 1.29% is 17% below median its 10-year median of 1.55. Over the past 10 years, this metric has ranged from a low of 1.23 to a high of 2.32. The Banks industry median Return-on-Tangible-Asset is 1.01. National Bank of Bahrain BSC's value of 1.29% is 27.7% above this industry median. Based on the distribution chart, National Bank of Bahrain BSC ranks #518 out of 1528 companies in the Banks industry, which is above the industry midpoint. Overall, National Bank of Bahrain BSC has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does National Bank of Bahrain BSC's Return-on-Tangible-Asset compare to PNC and USB?
According to the Banks industry distribution chart, National Bank of Bahrain BSC ranks #518 out of 1528 companies for Return-on-Tangible-Asset. This puts National Bank of Bahrain BSC in the upper half of its industry. The industry median Return-on-Tangible-Asset is 1.01. National Bank of Bahrain BSC's value of 1.29% is 27.7% above this benchmark. Historically, National Bank of Bahrain BSC's own Return-on-Tangible-Asset has ranged from 1.23 to 2.32 over the past decade. While the company's 10-year median is 1.55 vs. the industry median of 1.01, National Bank of Bahrain BSC 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 Bahrain BSC's current Return-on-Tangible-Asset of 1.29% is 27.7% 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 National Bank of Bahrain BSC 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 Bahrain BSC's current Return-on-Tangible-Asset is 1.29%, which is 17% below median its own 10-year median of 1.55. 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 Bahrain BSC stock overvalued right now?
Based on GuruFocus' analysis, National Bank of Bahrain BSC (BAH:NBB) is currently considered Fairly Valued. The stock's GF Value™ is BHD0.56, compared to a current price of BHD0.52 — trading 6.6% below its estimated fair value. The current Return-on-Tangible-Asset is 1.29%, which is 17% below median its 10-year median of 1.55 and 27.7% above the Banks industry median of 1.01. National Bank of Bahrain BSC's overall GF Score™ is 62/100 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 National Bank of Bahrain BSC (BAH:NBB), the current Return-on-Tangible-Asset is 1.29% 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 Bahrain BSC (BAH:NBB) Overvalued in 2026?
Based on GuruFocus' analysis, National Bank of Bahrain BSC stock appears to be undervalued.
The current stock price of BHD0.52 is trading 6.6% below its estimated GF Value™ of BHD0.56.
GuruFocus considers National Bank of Bahrain BSC to be Fairly Valued.
Key valuation signals for BAH:NBB:
Return-on-Tangible-Asset: 1.29% (17% below median its 10-year median of 1.55)
GF Value™: BHD0.56 vs. price of BHD0.52 (6.6% below fair value)
Industry Position: 27.7% above the Banks median (#518 of 1528)
No single metric tells the full story. See the BAH:NBB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
National Bank of Bahrain BSC is a commercial banking service provider in Bahrain. The company's operating segments include Retail Banking, Corporate & Commercial Banking, Overseas Branches and Market & Client Solutions. The consumer banking and business banking related SBUs in Bahrain provide various banking products and services to the Group's customers. The SBUs are differentiated based on their respective customer segments. Retail Banking caters to individuals and non-borrowing SMEs, while Corporate & Commercial Banking caters to governments, corporates, commercial enterprises and borrowing SMEs.
62GF Score
Get the complete analysis for BAH:NBB
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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