Erste Group Bank AG.EBKOF -0.83%76 Return-on-Tangible-Asset is 0.86% as of Mar. 2026, which is 26% above its 10-year median of 0.68. GuruFocus rates EBKOF with a GF Score™ of 76/100 and a GF Value™ of $79.31 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,530 Banks companies, Erste Group Bank AG. ranks worse than 52.22% 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. Erste Group Bank AG.'s annualizedNet Income for the quarter that ended in Mar. 2026 was $4,065 Mil. Erste Group Bank AG.'s average total tangible assets for the quarter that ended in Mar. 2026 was $471,678 Mil. Therefore, Erste Group Bank AG.'s annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 0.86%.
The historical rank and industry rank for Erste Group Bank AG.'s Return-on-Tangible-Asset or its related term are showing as below:
EBKOF'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.3 Med: 0.68 Max: 0.98
Current: 0.96
During the past 13 years, Erste Group Bank AG.'s highest Return-on-Tangible-Asset was 0.98%. The lowest was 0.30%. And the median was 0.68%.
EBKOF's Return-on-Tangible-Asset is ranked worse than 52.22% of 1530
companies
in the Banks industry
Industry Median: 0.99
vs EBKOF: 0.96
Erste Group Bank AG. (OTCPK:EBKOF) 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.
Erste Group Bank AG. Return-on-Tangible-Asset Related Terms
Erste Group Bank AG. Return-on-Tangible-Asset Historical Data
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The historical data trend for Erste Group Bank AG.'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.
Erste Group Bank AG. Return-on-Tangible-Asset Chart
EBKOF vs PNC, USB: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Erste Group Bank AG.'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.
Erste Group Bank AG. Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Erste Group Bank AG.'s Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Erste Group Bank AG.'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 0.86% mean?
Erste Group Bank AG. (EBKOF) has a Return-on-Tangible-Asset of 0.86% 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 Erste Group Bank AG. and its competitors. This is 26% above median its historical median of 0.68. Over the past decade, Erste Group Bank AG.'s Return-on-Tangible-Asset has ranged from 0.30 to 0.98. According to the industry distribution chart, Erste Group Bank AG. ranks #799 out of 1530 companies in the Banks industry, placing it in the top 52.2%.
Is Erste Group Bank AG.'s Return-on-Tangible-Asset too high?
Erste Group Bank AG.'s current Return-on-Tangible-Asset of 0.86% is 26% above median its 10-year median of 0.68. Over the past 10 years, this metric has ranged from a low of 0.30 to a high of 0.98. The Banks industry median Return-on-Tangible-Asset is 0.99. Erste Group Bank AG.'s value of 0.86% is 13.1% below this industry median. Based on the distribution chart, Erste Group Bank AG. ranks #799 out of 1530 companies in the Banks industry, which is below the industry midpoint. Overall, Erste Group Bank AG. has a GF Score™ of 76/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Erste Group Bank AG.'s Return-on-Tangible-Asset compare to PNC and USB?
According to the Banks industry distribution chart, Erste Group Bank AG. ranks #799 out of 1530 companies for Return-on-Tangible-Asset. This places Erste Group Bank AG. in the lower half of its industry. The industry median Return-on-Tangible-Asset is 0.99. Erste Group Bank AG.'s value of 0.86% is 13.1% below this benchmark. Historically, Erste Group Bank AG.'s own Return-on-Tangible-Asset has ranged from 0.30 to 0.98 over the past decade. While the company's 10-year median is 0.68 vs. the industry median of 0.99, Erste Group Bank AG. 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. Erste Group Bank AG.'s current Return-on-Tangible-Asset of 0.86% is 13.1% 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 Erste Group Bank AG. 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. Erste Group Bank AG.'s current Return-on-Tangible-Asset is 0.86%, which is 26% above median its own 10-year median of 0.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Erste Group Bank AG. stock overvalued right now?
Based on GuruFocus' analysis, Erste Group Bank AG. (EBKOF) is currently considered Significantly Overvalued. The stock's GF Value™ is $79.31, compared to a current price of $132.07 — trading 66.5% above its estimated fair value. The current Return-on-Tangible-Asset is 0.86%, which is 26% above median its 10-year median of 0.68 and 13.1% below the Banks industry median of 0.99. Erste Group Bank AG.'s overall GF Score™ is 76/100 with 6 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 Erste Group Bank AG. (EBKOF), the current Return-on-Tangible-Asset is 0.86% 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 Erste Group Bank AG. (EBKOF) Overvalued in 2026?
Based on GuruFocus' analysis, Erste Group Bank AG. stock appears to be overvalued.
The current stock price of $132.07 is trading 66.5% above its estimated GF Value™ of $79.31.
GuruFocus considers Erste Group Bank AG. to be Significantly Overvalued.
Key valuation signals for EBKOF:
Return-on-Tangible-Asset: 0.86% (26% above median its 10-year median of 0.68)
GF Value™: $79.31 vs. price of $132.07 (66.5% above fair value)
Industry Position: 13.1% below the Banks median (#799 of 1530)
No single metric tells the full story. See the EBKOF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Erste Group Bank AG. is an Austria-based financial services provider catering to the needs of individuals, corporates, small businesses, and other enterprises. It offers a complete range of banking and other financial services, such as savings accounts, asset management (including investment funds), consumer credit and mortgage lending, investment banking, securities and derivatives trading, project finance, foreign exchange trading, leasing, factoring, etc. The Group's operating segments are defined according to the core markets in which it operates and include Austria, Central and Eastern Europe, and Other. Maximum revenue is generated from the Central and Eastern Europe segment, which represents its operations in the Czech Republic, Slovakia, Romania, Hungary, Croatia, and Serbia.
76GF Score
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