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Bank of Tianjin CoFRA:B95 55 Return-on-Tangible-Asset is 0.37% as of Jun. 2026, which is 30% below its 10-year median of 0.53. GuruFocus rates FRA:B95 with a GF Score™ of 55/100 and a GF Value™ of €0.21. The stock has 4 warning signs investors should review. Among 1,519 Banks companies, Bank of Tianjin Co ranks worse than 83.15% 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. Bank of Tianjin Co's annualizedNet Income for the quarter that ended in Jun. 2026 was €457 Mil. Bank of Tianjin Co's average total tangible assets for the quarter that ended in Jun. 2026 was €0 Mil. Therefore, Bank of Tianjin Co's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2026 was 0.37%.
The historical rank and industry rank for Bank of Tianjin Co's Return-on-Tangible-Asset or its related term are showing as below:
FRA:B95'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.39 Med: 0.53 Max: 0.72
Current: 0.39
During the past 13 years, Bank of Tianjin Co's highest Return-on-Tangible-Asset was 0.72%. The lowest was 0.39%. And the median was 0.53%.
FRA:B95's Return-on-Tangible-Asset is ranked worse than 83.15% of 1519
companies
in the Banks industry
Industry Median: 1.02
vs FRA:B95: 0.39
Bank of Tianjin Co (FRA:B95) 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.
Bank of Tianjin Co Return-on-Tangible-Asset Related Terms
Bank of Tianjin Co Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Bank of Tianjin Co'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.
Bank of Tianjin Co Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, Bank of Tianjin Co'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.
Bank of Tianjin Co Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Bank of Tianjin Co's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Bank of Tianjin Co'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 two times the semi-annual (Jun. 2026) net income data.
What does a Return-on-Tangible-Asset of 0.37% mean?
Bank of Tianjin Co (FRA:B95) has a Return-on-Tangible-Asset of 0.37% as of Jun. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Bank of Tianjin Co and its competitors. This is 30% below median its historical median of 0.53. Over the past decade, Bank of Tianjin Co's Return-on-Tangible-Asset has ranged from 0.39 to 0.72. According to the industry distribution chart, Bank of Tianjin Co ranks #1263 out of 1519 companies in the Banks industry, placing it in the top 83.1%.
Is Bank of Tianjin Co's Return-on-Tangible-Asset too high?
Bank of Tianjin Co's current Return-on-Tangible-Asset of 0.37% is 30% below median its 10-year median of 0.53. Over the past 10 years, this metric has ranged from a low of 0.39 to a high of 0.72. The Banks industry median Return-on-Tangible-Asset is 1.02. Bank of Tianjin Co's value of 0.37% is 63.7% below this industry median. Based on the distribution chart, Bank of Tianjin Co ranks #1263 out of 1519 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Bank of Tianjin Co has a GF Score™ of 55/100, reflecting its overall financial health beyond just this single metric.
How does Bank of Tianjin Co's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, Bank of Tianjin Co ranks #1263 out of 1519 companies for Return-on-Tangible-Asset. This places Bank of Tianjin Co in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.02. Bank of Tianjin Co's value of 0.37% is 63.7% below this benchmark. Historically, Bank of Tianjin Co's own Return-on-Tangible-Asset has ranged from 0.39 to 0.72 over the past decade. While the company's 10-year median is 0.53 vs. the industry median of 1.02, Bank of Tianjin Co 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 1.02, based on 1,519 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. Bank of Tianjin Co's current Return-on-Tangible-Asset of 0.37% is 63.7% 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 Bank of Tianjin Co and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of Tianjin Co's current Return-on-Tangible-Asset is 0.37%, which is 30% below median its own 10-year median of 0.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of Tianjin Co stock overvalued right now?
Bank of Tianjin Co (FRA:B95) has a current Return-on-Tangible-Asset of 0.37%. The stock's GF Value™ is €0.21, compared to a current price of €0.21 — trading 1.9% above its estimated fair value. The current Return-on-Tangible-Asset is 0.37%, which is 30% below median its 10-year median of 0.53 and 63.7% below the Banks industry median of 1.02. Bank of Tianjin Co's overall GF Score™ is 55/100 with 4 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 Bank of Tianjin Co (FRA:B95), the current Return-on-Tangible-Asset is 0.37% as of Jun. 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 Bank of Tianjin Co (FRA:B95) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of Tianjin Co stock appears to be overvalued.
The current stock price of €0.21 is trading 1.9% above its estimated GF Value™ of €0.21.
Key valuation signals for FRA:B95:
Return-on-Tangible-Asset: 0.37% (30% below median its 10-year median of 0.53)
GF Value™: €0.21 vs. price of €0.21 (1.9% above fair value)
Industry Position: 63.7% below the Banks median (#1263 of 1519)
No single metric tells the full story. See the FRA:B95 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank of Tianjin Co Ltd is engaged in corporate banking, personal banking, treasury operations, and other financial services, providing a diversified range of banking products and services. The corporate banking segment, which generates maximum revenue, offers loans, trade financing, deposit-taking, and intermediary services to corporations, government agencies, and financial institutions. The personal banking segment provides loans, deposits, card business, wealth management, and intermediary services to individual customers. The treasury operations segment conducts money market, foreign exchange, precious metals, and derivatives transactions, and debt instrument investments for its own accounts or on behalf of customers.
55GF Score
Get the complete analysis for FRA:B95
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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