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Komercni Banka ASKMERF 64 Return-on-Tangible-Asset is 0.95% as of Mar. 2026, which is 26% below its 10-year median of 1.28. GuruFocus rates KMERF with a GF Score™ of 64/100 and a GF Value™ of $40.85. The stock has 4 warning signs investors should review. Among 1,531 Banks companies, Komercni Banka AS ranks better than 57.61% 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. Komercni Banka AS's annualizedNet Income for the quarter that ended in Mar. 2026 was $759 Mil. Komercni Banka AS's average total tangible assets for the quarter that ended in Mar. 2026 was $79,457 Mil. Therefore, Komercni Banka AS's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 0.95%.
The historical rank and industry rank for Komercni Banka AS's Return-on-Tangible-Asset or its related term are showing as below:
KMERF'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.73 Med: 1.28 Max: 1.56
Current: 1.1
During the past 13 years, Komercni Banka AS's highest Return-on-Tangible-Asset was 1.56%. The lowest was 0.73%. And the median was 1.28%.
KMERF's Return-on-Tangible-Asset is ranked better than 57.61% of 1531
companies
in the Banks industry
Industry Median: 0.99
vs KMERF: 1.10
Komercni Banka AS (OTCPK:KMERF) 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.
Komercni Banka AS Return-on-Tangible-Asset Related Terms
Komercni Banka AS Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Komercni Banka AS'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.
KMERF vs PNC, USB: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Komercni Banka AS'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.
Komercni Banka AS Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Komercni Banka AS's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Komercni Banka AS'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 0.95% mean?
Komercni Banka AS (KMERF) has a Return-on-Tangible-Asset of 0.95% 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 Komercni Banka AS and its competitors. This is 26% below median its historical median of 1.28. Over the past decade, Komercni Banka AS's Return-on-Tangible-Asset has ranged from 0.73 to 1.56. According to the industry distribution chart, Komercni Banka AS ranks #649 out of 1531 companies in the Banks industry, placing it in the top 42.4%.
Is Komercni Banka AS's Return-on-Tangible-Asset too high?
Komercni Banka AS's current Return-on-Tangible-Asset of 0.95% is 26% below median its 10-year median of 1.28. Over the past 10 years, this metric has ranged from a low of 0.73 to a high of 1.56. The Banks industry median Return-on-Tangible-Asset is 0.99. Komercni Banka AS's value of 0.95% is 4% below this industry median. Based on the distribution chart, Komercni Banka AS ranks #649 out of 1531 companies in the Banks industry, which is above the industry midpoint. Overall, Komercni Banka AS has a GF Score™ of 64/100, reflecting its overall financial health beyond just this single metric.
How does Komercni Banka AS's Return-on-Tangible-Asset compare to PNC and USB?
According to the Banks industry distribution chart, Komercni Banka AS ranks #649 out of 1531 companies for Return-on-Tangible-Asset. This puts Komercni Banka AS in the upper half of its industry. The industry median Return-on-Tangible-Asset is 0.99. Komercni Banka AS's value of 0.95% is 4% below this benchmark. Historically, Komercni Banka AS's own Return-on-Tangible-Asset has ranged from 0.73 to 1.56 over the past decade. While the company's 10-year median is 1.28 vs. the industry median of 0.99, Komercni Banka AS 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 1,531 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. Komercni Banka AS's current Return-on-Tangible-Asset of 0.95% is 4% 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 Komercni Banka AS 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. Komercni Banka AS's current Return-on-Tangible-Asset is 0.95%, which is 26% below median its own 10-year median of 1.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Komercni Banka AS stock overvalued right now?
Komercni Banka AS (KMERF) has a current Return-on-Tangible-Asset of 0.95%. The stock's GF Value™ is $40.85, compared to a current price of $47.23 — trading 15.6% above its estimated fair value. The current Return-on-Tangible-Asset is 0.95%, which is 26% below median its 10-year median of 1.28 and 4% below the Banks industry median of 0.99. Komercni Banka AS's overall GF Score™ is 64/100 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 Komercni Banka AS (KMERF), the current Return-on-Tangible-Asset is 0.95% 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 Komercni Banka AS (KMERF) Overvalued in 2026?
Based on GuruFocus' analysis, Komercni Banka AS stock appears to be overvalued.
The current stock price of $47.23 is trading 15.6% above its estimated GF Value™ of $40.85.
Key valuation signals for KMERF:
Return-on-Tangible-Asset: 0.95% (26% below median its 10-year median of 1.28)
GF Value™: $40.85 vs. price of $47.23 (15.6% above fair value)
Industry Position: 4% below the Banks median (#649 of 1531)
No single metric tells the full story. See the KMERF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Komercni Banka AS is a universal bank providing a wide range of retail, corporate, and investment banking activities. These activities are complemented by other specialized services, including pension insurance, building savings, leasing, factoring, consumer loans, insurance, and services of fintech companies. The Group has the following operating segments: i) Retail Banking: includes the provision of products and services to individuals, ii) Corporate Banking: includes the provision of products and services to corporate entities, iii) Investment Banking: involves trading in financial instruments; and iv) Other: consists of the head office of the Bank. The majority of the revenue is derived from the Retail banking segment.
64GF Score
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