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Erste Bank PolskaLTS:0DVR 80 Return-on-Tangible-Asset is 1.35% as of Mar. 2026, which is 4% below its 10-year median of 1.41. GuruFocus rates LTS:0DVR with a GF Score™ of 80/100 and a GF Value™ of zł351.84 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 1,532 Banks companies, Erste Bank Polska ranks better than 86.49% 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. Erste Bank Polska's annualizedNet Income for the quarter that ended in Mar. 2026 was zł4,111 Mil. Erste Bank Polska's average total tangible assets for the quarter that ended in Mar. 2026 was zł303,608 Mil. Therefore, Erste Bank Polska's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.35%.
The historical rank and industry rank for Erste Bank Polska's Return-on-Tangible-Asset or its related term are showing as below:
LTS:0DVR'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.48 Med: 1.41 Max: 2.13
Current: 1.87
During the past 13 years, Erste Bank Polska's highest Return-on-Tangible-Asset was 2.13%. The lowest was 0.48%. And the median was 1.41%.
LTS:0DVR's Return-on-Tangible-Asset is ranked better than 86.49% of 1532
companies
in the Banks industry
Industry Median: 0.99
vs LTS:0DVR: 1.87
Erste Bank Polska (LTS:0DVR) 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.
Erste Bank Polska Return-on-Tangible-Asset Related Terms
Erste Bank Polska Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Erste Bank Polska'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.
LTS:0DVR vs PNC: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Erste Bank Polska'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.
Erste Bank Polska Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Erste Bank Polska's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Erste Bank Polska'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 1.35% mean?
Erste Bank Polska (LTS:0DVR) has a Return-on-Tangible-Asset of 1.35% 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 Erste Bank Polska and its competitors. This is near median its historical median of 1.41. Over the past decade, Erste Bank Polska's Return-on-Tangible-Asset has ranged from 0.48 to 2.13. According to the industry distribution chart, Erste Bank Polska ranks #207 out of 1532 companies in the Banks industry, placing it in the top 13.5%.
Is Erste Bank Polska's Return-on-Tangible-Asset too high?
Erste Bank Polska's current Return-on-Tangible-Asset of 1.35% is near median its 10-year median of 1.41. Over the past 10 years, this metric has ranged from a low of 0.48 to a high of 2.13. The Banks industry median Return-on-Tangible-Asset is 0.99. Erste Bank Polska's value of 1.35% is 36.4% above this industry median. Based on the distribution chart, Erste Bank Polska ranks #207 out of 1532 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Erste Bank Polska has a GF Score™ of 80/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Erste Bank Polska's Return-on-Tangible-Asset compare to PNC?
According to the Banks industry distribution chart, Erste Bank Polska ranks #207 out of 1532 companies for Return-on-Tangible-Asset. This places Erste Bank Polska in the top 14% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 0.99. Erste Bank Polska's value of 1.35% is 36.4% above this benchmark. Historically, Erste Bank Polska's own Return-on-Tangible-Asset has ranged from 0.48 to 2.13 over the past decade. While the company's 10-year median is 1.41 vs. the industry median of 0.99, Erste Bank Polska 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 1,532 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. Erste Bank Polska's current Return-on-Tangible-Asset of 1.35% is 36.4% 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 Erste Bank Polska 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. Erste Bank Polska's current Return-on-Tangible-Asset is 1.35%, which is near median its own 10-year median of 1.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Erste Bank Polska stock overvalued right now?
Based on GuruFocus' analysis, Erste Bank Polska (LTS:0DVR) is currently considered Modestly Overvalued. The stock's GF Value™ is zł351.84, compared to a current price of zł395.55 — trading 12.4% above its estimated fair value. The current Return-on-Tangible-Asset is 1.35%, which is near median its 10-year median of 1.41 and 36.4% above the Banks industry median of 0.99. Erste Bank Polska's overall GF Score™ is 80/100 with 9 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 Erste Bank Polska (LTS:0DVR), the current Return-on-Tangible-Asset is 1.35% 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 Erste Bank Polska (LTS:0DVR) Overvalued in 2026?
Based on GuruFocus' analysis, Erste Bank Polska stock appears to be overvalued.
The current stock price of zł395.55 is trading 12.4% above its estimated GF Value™ of zł351.84.
GuruFocus considers Erste Bank Polska to be Modestly Overvalued.
Key valuation signals for LTS:0DVR:
Return-on-Tangible-Asset: 1.35% (near median its 10-year median of 1.41)
GF Value™: zł351.84 vs. price of zł395.55 (12.4% above fair value)
Industry Position: 36.4% above the Banks median (#207 of 1532)
No single metric tells the full story. See the LTS:0DVR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Erste Bank Polska SA is a commercial bank. It provides financial products and services such as Personal accounts, Payment cards, Loans, Savings and investments, and products for overseas customers.
80GF Score
Get the complete analysis for LTS:0DVR
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