The historical rank and industry rank for CB Central Cooperative Bank AD's Return-on-Tangible-Asset or its related term are showing as below:
FRA:4CF'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.31 Med: 0.6 Max: 1.08
Current: 0.87
During the past 13 years, CB Central Cooperative Bank AD's highest Return-on-Tangible-Asset was 1.08%. The lowest was 0.31%. And the median was 0.60%.
FRA:4CF's Return-on-Tangible-Asset is ranked worse than 58.55% of 1532
companies
in the Banks industry
Industry Median: 0.99
vs FRA:4CF: 0.87
CB Central Cooperative Bank AD (FRA:4CF) 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.
CB Central Cooperative Bank AD Return-on-Tangible-Asset Related Terms
CB Central Cooperative Bank AD 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.
CB Central Cooperative Bank AD Return-on-Tangible-Asset Chart
FRA:4CF vs PNC, USB: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, CB Central Cooperative Bank AD'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.
CB Central Cooperative Bank AD Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, CB Central Cooperative Bank AD's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where CB Central Cooperative Bank AD'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 (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 0.65% mean?
CB Central Cooperative Bank AD (FRA:4CF) has a Return-on-Tangible-Asset of 0.65% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on CB Central Cooperative Bank AD and its competitors. This is near median its historical median of 0.60. Over the past decade, CB Central Cooperative Bank AD's Return-on-Tangible-Asset has ranged from 0.31 to 1.08. According to the industry distribution chart, CB Central Cooperative Bank AD ranks #897 out of 1532 companies in the Banks industry, placing it in the top 58.6%.
Is CB Central Cooperative Bank AD's Return-on-Tangible-Asset too high?
CB Central Cooperative Bank AD's current Return-on-Tangible-Asset of 0.65% is near median its 10-year median of 0.60. Over the past 10 years, this metric has ranged from a low of 0.31 to a high of 1.08. The Banks industry median Return-on-Tangible-Asset is 0.99. CB Central Cooperative Bank AD's value of 0.65% is 34.3% below this industry median. Based on the distribution chart, CB Central Cooperative Bank AD ranks #897 out of 1532 companies in the Banks industry, which is below the industry midpoint. Overall, CB Central Cooperative Bank AD has a GF Score™ of 58/100, reflecting its overall financial health beyond just this single metric.
How does CB Central Cooperative Bank AD's Return-on-Tangible-Asset compare to PNC and USB?
According to the Banks industry distribution chart, CB Central Cooperative Bank AD ranks #897 out of 1532 companies for Return-on-Tangible-Asset. This places CB Central Cooperative Bank AD in the lower half of its industry. The industry median Return-on-Tangible-Asset is 0.99. CB Central Cooperative Bank AD's value of 0.65% is 34.3% below this benchmark. Historically, CB Central Cooperative Bank AD's own Return-on-Tangible-Asset has ranged from 0.31 to 1.08 over the past decade. While the company's 10-year median is 0.60 vs. the industry median of 0.99, CB Central Cooperative Bank AD 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 1,532 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. CB Central Cooperative Bank AD's current Return-on-Tangible-Asset of 0.65% is 34.3% 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 CB Central Cooperative Bank AD 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. CB Central Cooperative Bank AD's current Return-on-Tangible-Asset is 0.65%, which is near median its own 10-year median of 0.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CB Central Cooperative Bank AD stock overvalued right now?
CB Central Cooperative Bank AD (FRA:4CF) has a current Return-on-Tangible-Asset of 0.65%. The stock's GF Value™ is €1.88, compared to a current price of €1.61 — trading 14.4% below its estimated fair value. The current Return-on-Tangible-Asset is 0.65%, which is near median its 10-year median of 0.60 and 34.3% below the Banks industry median of 0.99. CB Central Cooperative Bank AD's overall GF Score™ is 58/100 with 1 warning sign 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 CB Central Cooperative Bank AD (FRA:4CF), the current Return-on-Tangible-Asset is 0.65% as of Dec. 2025. 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 CB Central Cooperative Bank AD (FRA:4CF) Overvalued in 2026?
Based on GuruFocus' analysis, CB Central Cooperative Bank AD stock appears to be undervalued.
The current stock price of €1.61 is trading 14.4% below its estimated GF Value™ of €1.88.
Key valuation signals for FRA:4CF:
Return-on-Tangible-Asset: 0.65% (near median its 10-year median of 0.60)
GF Value™: €1.88 vs. price of €1.61 (14.4% below fair value)
Industry Position: 34.3% below the Banks median (#897 of 1532)
No single metric tells the full story. See the FRA:4CF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CB Central Cooperative Bank AD Business Description
CB Central Cooperative Bank AD is a universal commercial bank. The Bank comprises several products and services in the field of financial intermediation, with an emphasis on SME lending and retail banking. As a universal commercial bank, the company offers an array of financial products and services. The bank is a primary dealer of government securities on the Bulgarian domestic market.
58GF Score
Get the complete analysis for FRA:4CF
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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