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Bankint Petersburg PJSCMIC:BSPB -4.08%15 Return-on-Tangible-Asset is 3.24% as of Mar. 2026, which is 131% above its 10-year median of 1.40. GuruFocus rates MIC:BSPB with a GF Score™ of 15/100 and a GF Value™ of ₽389.38 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 1,529 Banks companies, Bankint Petersburg PJSC ranks better than 93.07% 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. Bankint Petersburg PJSC's annualizedNet Income for the quarter that ended in Mar. 2026 was ₽43,644 Mil. Bankint Petersburg PJSC's average total tangible assets for the quarter that ended in Mar. 2026 was ₽1,347,769 Mil. Therefore, Bankint Petersburg PJSC's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 3.24%.
The historical rank and industry rank for Bankint Petersburg PJSC's Return-on-Tangible-Asset or its related term are showing as below:
MIC:BSPB'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.67 Med: 1.4 Max: 4.99
Current: 2.58
During the past 13 years, Bankint Petersburg PJSC's highest Return-on-Tangible-Asset was 4.99%. The lowest was 0.67%. And the median was 1.40%.
MIC:BSPB's Return-on-Tangible-Asset is ranked better than 93.07% of 1529
companies
in the Banks industry
Industry Median: 0.99
vs MIC:BSPB: 2.58
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.
Bankint Petersburg PJSC Return-on-Tangible-Asset Related Terms
Bankint Petersburg PJSC Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Bankint Petersburg PJSC'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.
MIC:BSPB vs PNC, USB: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Bankint Petersburg PJSC'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.
Bankint Petersburg PJSC Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Bankint Petersburg PJSC's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Bankint Petersburg PJSC'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 3.24% mean?
Bankint Petersburg PJSC (MIC:BSPB) has a Return-on-Tangible-Asset of 3.24% 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 Bankint Petersburg PJSC and its competitors. This is 131% above median its historical median of 1.40. Over the past decade, Bankint Petersburg PJSC's Return-on-Tangible-Asset has ranged from 0.67 to 4.99. According to the industry distribution chart, Bankint Petersburg PJSC ranks #106 out of 1529 companies in the Banks industry, placing it in the top 6.9%.
Is Bankint Petersburg PJSC's Return-on-Tangible-Asset too high?
Bankint Petersburg PJSC's current Return-on-Tangible-Asset of 3.24% is 131% above median its 10-year median of 1.40. Over the past 10 years, this metric has ranged from a low of 0.67 to a high of 4.99. The Banks industry median Return-on-Tangible-Asset is 0.99. Bankint Petersburg PJSC's value of 3.24% is 227.3% above this industry median. Based on the distribution chart, Bankint Petersburg PJSC ranks #106 out of 1529 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bankint Petersburg PJSC has a GF Score™ of 15/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Bankint Petersburg PJSC's Return-on-Tangible-Asset compare to PNC and USB?
According to the Banks industry distribution chart, Bankint Petersburg PJSC ranks #106 out of 1529 companies for Return-on-Tangible-Asset. This places Bankint Petersburg PJSC in the top 7% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 0.99. Bankint Petersburg PJSC's value of 3.24% is 227.3% above this benchmark. Historically, Bankint Petersburg PJSC's own Return-on-Tangible-Asset has ranged from 0.67 to 4.99 over the past decade. While the company's 10-year median is 1.40 vs. the industry median of 0.99, Bankint Petersburg PJSC 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 1,529 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. Bankint Petersburg PJSC's current Return-on-Tangible-Asset of 3.24% is 227.3% 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 Bankint Petersburg PJSC 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. Bankint Petersburg PJSC's current Return-on-Tangible-Asset is 3.24%, which is 131% above median its own 10-year median of 1.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bankint Petersburg PJSC stock overvalued right now?
Based on GuruFocus' analysis, Bankint Petersburg PJSC (MIC:BSPB) is currently considered Possible Value Trap. The stock's GF Value™ is ₽389.38, compared to a current price of ₽241.19 — trading 38.1% below its estimated fair value. The current Return-on-Tangible-Asset is 3.24%, which is 131% above median its 10-year median of 1.40 and 227.3% above the Banks industry median of 0.99. Bankint Petersburg PJSC's overall GF Score™ is 15/100 with 3 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 Bankint Petersburg PJSC (MIC:BSPB), the current Return-on-Tangible-Asset is 3.24% 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 Bankint Petersburg PJSC (MIC:BSPB) Overvalued in 2026?
Based on GuruFocus' analysis, Bankint Petersburg PJSC stock appears to be undervalued.
The current stock price of ₽241.19 is trading 38.1% below its estimated GF Value™ of ₽389.38.
GuruFocus considers Bankint Petersburg PJSC to be Possible Value Trap.
Key valuation signals for MIC:BSPB:
Return-on-Tangible-Asset: 3.24% (131% above median its 10-year median of 1.40)
GF Value™: ₽389.38 vs. price of ₽241.19 (38.1% below fair value)
Industry Position: 227.3% above the Banks median (#106 of 1529)
No single metric tells the full story. See the MIC:BSPB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank Saint Petersburg PJSC is a Russian privately-owned commercial bank. The Bank operates in three segments: Corporate Banking; Operation on Financial Markets, and Retail Banking. The Corporate banking segment offers settlement and current accounts, deposits, credit lines, loans, foreign currency transactions with commercial and state entities. The Operation on Financial Markets segment consists of financial instruments trading, loans, and deposits on the interbank market, dealing in foreign exchange and derivative financial instruments. The Retail banking segment private baing services, customer current accounts, retail investment products, card services, mortgages, and other loan services. The Corporate banking segment generates nearly half of the company's revenue.
15GF Score
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