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North Pacific BankFRA:2PT +0.87%63 Return-on-Tangible-Asset is 0.16% as of Mar. 2026, which is 23% above its 10-year median of 0.13. GuruFocus rates FRA:2PT with a GF Score™ of 63/100 and a GF Value™ of €3.75. The stock has 6 warning signs investors should review. Among 1,524 Banks companies, North Pacific Bank ranks worse than 90.81% 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. North Pacific Bank's annualizedNet Income for the quarter that ended in Mar. 2026 was €113 Mil. North Pacific Bank's average total tangible assets for the quarter that ended in Mar. 2026 was €72,612 Mil. Therefore, North Pacific Bank's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 0.16%.
The historical rank and industry rank for North Pacific Bank's Return-on-Tangible-Asset or its related term are showing as below:
FRA:2PT'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.07 Med: 0.13 Max: 0.19
Current: 0.19
During the past 13 years, North Pacific Bank's highest Return-on-Tangible-Asset was 0.19%. The lowest was 0.07%. And the median was 0.13%.
FRA:2PT's Return-on-Tangible-Asset is ranked worse than 90.81% of 1524
companies
in the Banks industry
Industry Median: 0.995
vs FRA:2PT: 0.19
North Pacific Bank (FRA:2PT) 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.
North Pacific Bank Return-on-Tangible-Asset Related Terms
North Pacific Bank Return-on-Tangible-Asset Historical Data
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The historical data trend for North Pacific 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.
North Pacific Bank Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, North Pacific 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.
North Pacific Bank Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, North Pacific Bank's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where North Pacific 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 0.16% mean?
North Pacific Bank (FRA:2PT) has a Return-on-Tangible-Asset of 0.16% 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 North Pacific Bank and its competitors. This is 23% above median its historical median of 0.13. Over the past decade, North Pacific Bank's Return-on-Tangible-Asset has ranged from 0.07 to 0.19. According to the industry distribution chart, North Pacific Bank ranks #1384 out of 1524 companies in the Banks industry, placing it in the top 90.8%.
Is North Pacific Bank's Return-on-Tangible-Asset too high?
North Pacific Bank's current Return-on-Tangible-Asset of 0.16% is 23% above median its 10-year median of 0.13. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.19. The Banks industry median Return-on-Tangible-Asset is 1.00. North Pacific Bank's value of 0.16% is 83.9% below this industry median. Based on the distribution chart, North Pacific Bank ranks #1384 out of 1524 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, North Pacific Bank has a GF Score™ of 63/100, reflecting its overall financial health beyond just this single metric.
How does North Pacific Bank's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, North Pacific Bank ranks #1384 out of 1524 companies for Return-on-Tangible-Asset. This places North Pacific Bank in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.00. North Pacific Bank's value of 0.16% is 83.9% below this benchmark. Historically, North Pacific Bank's own Return-on-Tangible-Asset has ranged from 0.07 to 0.19 over the past decade. While the company's 10-year median is 0.13 vs. the industry median of 1.00, North Pacific Bank 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 1.00, based on 1,524 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. North Pacific Bank's current Return-on-Tangible-Asset of 0.16% is 83.9% 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 North Pacific Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. North Pacific Bank's current Return-on-Tangible-Asset is 0.16%, which is 23% above median its own 10-year median of 0.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is North Pacific Bank stock overvalued right now?
North Pacific Bank (FRA:2PT) has a current Return-on-Tangible-Asset of 0.16%. The stock's GF Value™ is €3.75, compared to a current price of €5.80 — trading 54.7% above its estimated fair value. The current Return-on-Tangible-Asset is 0.16%, which is 23% above median its 10-year median of 0.13 and 83.9% below the Banks industry median of 1.00. North Pacific Bank's overall GF Score™ is 63/100 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 North Pacific Bank (FRA:2PT), the current Return-on-Tangible-Asset is 0.16% 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 North Pacific Bank (FRA:2PT) Overvalued in 2026?
Based on GuruFocus' analysis, North Pacific Bank stock appears to be overvalued.
The current stock price of €5.80 is trading 54.7% above its estimated GF Value™ of €3.75.
Key valuation signals for FRA:2PT:
Return-on-Tangible-Asset: 0.16% (23% above median its 10-year median of 0.13)
GF Value™: €3.75 vs. price of €5.80 (54.7% above fair value)
Industry Position: 83.9% below the Banks median (#1384 of 1524)
No single metric tells the full story. See the FRA:2PT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
North Pacific Bank Ltd is engaged in the provision of banking products and services. The firm offers time deposit, reserve deposit, government/ public bonds, asset management support services, smartphone-based services, including real-time updates on account balances and transactions, including deposits and withdrawals, along with cashless payment based on QR codes.
63GF Score
Get the complete analysis for FRA:2PT
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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