Allam Bank BSCBAH:SALAM 49 Return-on-Tangible-Asset is 1.15% as of Mar. 2026, which is 16% above its 10-year median of 0.99. GuruFocus rates BAH:SALAM with a GF Score™ of 49/100 and a GF Value™ of BHD0.28 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,530 Banks companies, Allam Bank BSC ranks better than 54.38% 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. Allam Bank BSC's annualizedNet Income for the quarter that ended in Mar. 2026 was BHD92.5 Mil. Allam Bank BSC's average total tangible assets for the quarter that ended in Mar. 2026 was BHD8,052.0 Mil. Therefore, Allam Bank BSC's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.15%.
The historical rank and industry rank for Allam Bank BSC's Return-on-Tangible-Asset or its related term are showing as below:
BAH:SALAM'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.43 Med: 0.99 Max: 1.14
Current: 1.05
During the past 13 years, Allam Bank BSC's highest Return-on-Tangible-Asset was 1.14%. The lowest was 0.43%. And the median was 0.99%.
BAH:SALAM's Return-on-Tangible-Asset is ranked better than 54.38% of 1530
companies
in the Banks industry
Industry Median: 0.99
vs BAH:SALAM: 1.05
Allam Bank BSC (BAH:SALAM) 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.
Allam Bank BSC Return-on-Tangible-Asset Related Terms
Allam Bank BSC Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Allam Bank BSC'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.
BAH:SALAM vs PNC, USB: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Allam Bank 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.
Allam Bank BSC Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Allam Bank BSC's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Allam Bank 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 1.15% mean?
Allam Bank BSC (BAH:SALAM) has a Return-on-Tangible-Asset of 1.15% 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 Allam Bank BSC and its competitors. This is 16% above median its historical median of 0.99. Over the past decade, Allam Bank BSC's Return-on-Tangible-Asset has ranged from 0.43 to 1.14. According to the industry distribution chart, Allam Bank BSC ranks #698 out of 1530 companies in the Banks industry, placing it in the top 45.6%.
Is Allam Bank BSC's Return-on-Tangible-Asset too high?
Allam Bank BSC's current Return-on-Tangible-Asset of 1.15% is 16% above median its 10-year median of 0.99. Over the past 10 years, this metric has ranged from a low of 0.43 to a high of 1.14. The Banks industry median Return-on-Tangible-Asset is 0.99. Allam Bank BSC's value of 1.15% is 16.2% above this industry median. Based on the distribution chart, Allam Bank BSC ranks #698 out of 1530 companies in the Banks industry, which is above the industry midpoint. Overall, Allam Bank BSC has a GF Score™ of 49/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Allam Bank BSC's Return-on-Tangible-Asset compare to PNC and USB?
According to the Banks industry distribution chart, Allam Bank BSC ranks #698 out of 1530 companies for Return-on-Tangible-Asset. This puts Allam Bank BSC in the upper half of its industry. The industry median Return-on-Tangible-Asset is 0.99. Allam Bank BSC's value of 1.15% is 16.2% above this benchmark. Historically, Allam Bank BSC's own Return-on-Tangible-Asset has ranged from 0.43 to 1.14 over the past decade. While the company's 10-year median is 0.99 vs. the industry median of 0.99, Allam Bank 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 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. Allam Bank BSC's current Return-on-Tangible-Asset of 1.15% is 16.2% 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 Allam Bank BSC 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. Allam Bank BSC's current Return-on-Tangible-Asset is 1.15%, which is 16% above median its own 10-year median of 0.99. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Allam Bank BSC stock overvalued right now?
Based on GuruFocus' analysis, Allam Bank BSC (BAH:SALAM) is currently considered Modestly Undervalued. The stock's GF Value™ is BHD0.28, compared to a current price of BHD0.22 — trading 21.8% below its estimated fair value. The current Return-on-Tangible-Asset is 1.15%, which is 16% above median its 10-year median of 0.99 and 16.2% above the Banks industry median of 0.99. Allam Bank BSC's overall GF Score™ is 49/100 with 3 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 Allam Bank BSC (BAH:SALAM), the current Return-on-Tangible-Asset is 1.15% 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 Allam Bank BSC (BAH:SALAM) Overvalued in 2026?
Based on GuruFocus' analysis, Allam Bank BSC stock appears to be undervalued.
The current stock price of BHD0.22 is trading 21.8% below its estimated GF Value™ of BHD0.28.
GuruFocus considers Allam Bank BSC to be Modestly Undervalued.
Key valuation signals for BAH:SALAM:
Return-on-Tangible-Asset: 1.15% (16% above median its 10-year median of 0.99)
GF Value™: BHD0.28 vs. price of BHD0.22 (21.8% below fair value)
Industry Position: 16.2% above the Banks median (#698 of 1530)
No single metric tells the full story. See the BAH:SALAM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Al Salam Bank BSC is a banking corporation operating in Bahrain. It provides various Islamic banking products and services in the Kingdom of Bahrain. The company offers money market, trading, and treasury services, including short-term commodities, managing portfolios, and serving clients with a range of investment products, funds, and alternative investments. Besides, it also manages the un-deployed capital of the company by investing it in high-quality financial instruments. The company's reportable segments namely Banking, Treasury, Takaful and Investments. It generates maximum revenue from the Banking segment.
49GF Score
Get the complete analysis for BAH:SALAM
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BAH:SALAM has been successfully added to your 
