The Federal BankFDBAY 77 Return-on-Tangible-Asset is 1.33% as of Mar. 2026, which is 45% above its 10-year median of 0.92. GuruFocus rates FDBAY with a GF Score™ of 77/100. The stock has 7 warning signs investors should review. Among 1,530 Banks companies, The Federal Bank ranks better than 60.26% 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. The Federal Bank's annualizedNet Income for the quarter that ended in Mar. 2026 was $577.89 Mil. The Federal Bank's average total tangible assets for the quarter that ended in Mar. 2026 was $43,319.18 Mil. Therefore, The Federal Bank's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.33%.
The historical rank and industry rank for The Federal Bank's Return-on-Tangible-Asset or its related term are showing as below:
FDBAY'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.73 Med: 0.92 Max: 1.32
Current: 1.15
During the past 13 years, The Federal Bank's highest Return-on-Tangible-Asset was 1.32%. The lowest was 0.73%. And the median was 0.92%.
FDBAY's Return-on-Tangible-Asset is ranked better than 60.26% of 1530
companies
in the Banks industry
Industry Median: 0.99
vs FDBAY: 1.15
The Federal Bank (OTCPK:FDBAY) 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.
The Federal Bank Return-on-Tangible-Asset Related Terms
The Federal Bank Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for The Federal Bank'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.
The Federal Bank Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, The Federal Bank'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.
The Federal Bank Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, The Federal Bank's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where The Federal Bank'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 1.33% mean?
The Federal Bank (FDBAY) has a Return-on-Tangible-Asset of 1.33% 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 The Federal Bank and its competitors. This is 45% above median its historical median of 0.92. Over the past decade, The Federal Bank's Return-on-Tangible-Asset has ranged from 0.73 to 1.32. According to the industry distribution chart, The Federal Bank ranks #608 out of 1530 companies in the Banks industry, placing it in the top 39.7%.
Is The Federal Bank's Return-on-Tangible-Asset too high?
The Federal Bank's current Return-on-Tangible-Asset of 1.33% is 45% above median its 10-year median of 0.92. Over the past 10 years, this metric has ranged from a low of 0.73 to a high of 1.32. The Banks industry median Return-on-Tangible-Asset is 0.99. The Federal Bank's value of 1.33% is 34.3% above this industry median. Based on the distribution chart, The Federal Bank ranks #608 out of 1530 companies in the Banks industry, which is above the industry midpoint. Overall, The Federal Bank has a GF Score™ of 77/100, reflecting its overall financial health beyond just this single metric.
How does The Federal Bank's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, The Federal Bank ranks #608 out of 1530 companies for Return-on-Tangible-Asset. This puts The Federal Bank in the upper half of its industry. The industry median Return-on-Tangible-Asset is 0.99. The Federal Bank's value of 1.33% is 34.3% above this benchmark. Historically, The Federal Bank's own Return-on-Tangible-Asset has ranged from 0.73 to 1.32 over the past decade. While the company's 10-year median is 0.92 vs. the industry median of 0.99, The Federal Bank 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. The Federal Bank's current Return-on-Tangible-Asset of 1.33% is 34.3% 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 The Federal Bank 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. The Federal Bank's current Return-on-Tangible-Asset is 1.33%, which is 45% above median its own 10-year median of 0.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The Federal Bank stock overvalued right now?
The Federal Bank (FDBAY) has a current Return-on-Tangible-Asset of 1.33%. The current Return-on-Tangible-Asset is 1.33%, which is 45% above median its 10-year median of 0.92 and 34.3% above the Banks industry median of 0.99. The Federal Bank's overall GF Score™ is 77/100 with 7 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 The Federal Bank (FDBAY), the current Return-on-Tangible-Asset is 1.33% 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.
The Federal Bank Ltd is an India-based commercial banking company. The company operates through a network of branches and ATMs across India. The company's business segments consist of the Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. The company generates key revenue from the Retail Banking segment, which is engaged in lending of funds, acceptance of deposits, and other banking services to any legal person, including small business customers, on the basis of the status of the borrower, nature of the product, granularity of the exposure, and quantum thereof.
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