Commercial Bank of Dubai PSCDFM:CBD +0.53%77 Return-on-Tangible-Asset is 2.09% as of Mar. 2026, which is 28% above its 10-year median of 1.63. GuruFocus rates DFM:CBD with a GF Score™ of 77/100 and a GF Value™ of د.إ8.06 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 1,527 Banks companies, Commercial Bank of Dubai PSC ranks better than 90.83% on this metric.
The historical rank and industry rank for Commercial Bank of Dubai PSC's Return-on-Tangible-Asset or its related term are showing as below:
DFM:CBD'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 1.21 Med: 1.63 Max: 2.33
Current: 2.26
During the past 13 years, Commercial Bank of Dubai PSC's highest Return-on-Tangible-Asset was 2.33%. The lowest was 1.21%. And the median was 1.63%.
DFM:CBD's Return-on-Tangible-Asset is ranked better than 90.83% of 1527
companies
in the Banks industry
Industry Median: 0.99
vs DFM:CBD: 2.26
Commercial Bank of Dubai PSC (DFM:CBD) 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.
Commercial Bank of Dubai PSC Return-on-Tangible-Asset Related Terms
Commercial Bank of Dubai 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.
Commercial Bank of Dubai PSC Return-on-Tangible-Asset Chart
Commercial Bank of Dubai PSC Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, Commercial Bank of Dubai 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.
Commercial Bank of Dubai PSC Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Commercial Bank of Dubai PSC's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Commercial Bank of Dubai 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 2.09% mean?
Commercial Bank of Dubai PSC (DFM:CBD) has a Return-on-Tangible-Asset of 2.09% 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 Commercial Bank of Dubai PSC and its competitors. This is 28% above median its historical median of 1.63. Over the past decade, Commercial Bank of Dubai PSC's Return-on-Tangible-Asset has ranged from 1.21 to 2.33. According to the industry distribution chart, Commercial Bank of Dubai PSC ranks #140 out of 1527 companies in the Banks industry, placing it in the top 9.2%.
Is Commercial Bank of Dubai PSC's Return-on-Tangible-Asset too high?
Commercial Bank of Dubai PSC's current Return-on-Tangible-Asset of 2.09% is 28% above median its 10-year median of 1.63. Over the past 10 years, this metric has ranged from a low of 1.21 to a high of 2.33. The Banks industry median Return-on-Tangible-Asset is 0.99. Commercial Bank of Dubai PSC's value of 2.09% is 111.1% above this industry median. Based on the distribution chart, Commercial Bank of Dubai PSC ranks #140 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Commercial Bank of Dubai PSC has a GF Score™ of 77/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Commercial Bank of Dubai PSC's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, Commercial Bank of Dubai PSC ranks #140 out of 1527 companies for Return-on-Tangible-Asset. This places Commercial Bank of Dubai PSC in the top 9% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 0.99. Commercial Bank of Dubai PSC's value of 2.09% is 111.1% above this benchmark. Historically, Commercial Bank of Dubai PSC's own Return-on-Tangible-Asset has ranged from 1.21 to 2.33 over the past decade. While the company's 10-year median is 1.63 vs. the industry median of 0.99, Commercial Bank of Dubai 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 0.99, based on 1,527 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. Commercial Bank of Dubai PSC's current Return-on-Tangible-Asset of 2.09% is 111.1% 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 Commercial Bank of Dubai PSC 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. Commercial Bank of Dubai PSC's current Return-on-Tangible-Asset is 2.09%, which is 28% above median its own 10-year median of 1.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Commercial Bank of Dubai PSC stock overvalued right now?
Based on GuruFocus' analysis, Commercial Bank of Dubai PSC (DFM:CBD) is currently considered Modestly Overvalued. The stock's GF Value™ is د.إ8.06, compared to a current price of د.إ9.40 — trading 16.6% above its estimated fair value. The current Return-on-Tangible-Asset is 2.09%, which is 28% above median its 10-year median of 1.63 and 111.1% above the Banks industry median of 0.99. Commercial Bank of Dubai PSC's overall GF Score™ is 77/100 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 Commercial Bank of Dubai PSC (DFM:CBD), the current Return-on-Tangible-Asset is 2.09% 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 Commercial Bank of Dubai PSC (DFM:CBD) Overvalued in 2026?
Based on GuruFocus' analysis, Commercial Bank of Dubai PSC stock appears to be overvalued.
The current stock price of د.إ9.40 is trading 16.6% above its estimated GF Value™ of د.إ8.06.
GuruFocus considers Commercial Bank of Dubai PSC to be Modestly Overvalued.
Key valuation signals for DFM:CBD:
Return-on-Tangible-Asset: 2.09% (28% above median its 10-year median of 1.63)
GF Value™: د.إ8.06 vs. price of د.إ9.40 (16.6% above fair value)
Industry Position: 111.1% above the Banks median (#140 of 1527)
No single metric tells the full story. See the DFM:CBD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Commercial Bank of Dubai PSC is a banking firm operating in the United Arab Emirates with four segments: Institutional Banking, Corporate Banking, Personal Banking, and Trading and Other. Institutional Banking provides loans, deposits, trade finance, and e-commerce solutions to institutional clients, including government entities. Corporate Banking serves mid-sized and emerging corporates with loans, working capital, trade finance, and deposits. Personal Banking, which generates maximum revenue, offers accounts, loans, mortgages, and other credit facilities to small businesses and retail clients. Trading and Other manages the Group's balance sheet, investment portfolio, and derivatives for trading and risk management purposes. The Group operates exclusively in the United Arab Emirates.
77GF 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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