Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
The South Indian BankNSE:SOUTHBANK -0.42%63 Return-on-Tangible-Asset is 1.06% as of Jun. 2026, which is 112% above its 10-year median of 0.50. GuruFocus rates NSE:SOUTHBANK with a GF Score™ of 63/100 and a GF Value™ of ₹26.70 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,526 Banks companies, The South Indian Bank ranks better than 54.78% 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. The South Indian Bank's annualizedNet Income for the quarter that ended in Jun. 2026 was ₹15,106 Mil. The South Indian Bank's average total tangible assets for the quarter that ended in Jun. 2026 was ₹1,431,036 Mil. Therefore, The South Indian Bank's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2026 was 1.06%.
The historical rank and industry rank for The South Indian Bank's Return-on-Tangible-Asset or its related term are showing as below:
NSE:SOUTHBANK'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.05 Med: 0.5 Max: 1.1
Current: 1.1
During the past 13 years, The South Indian Bank's highest Return-on-Tangible-Asset was 1.10%. The lowest was 0.05%. And the median was 0.50%.
NSE:SOUTHBANK's Return-on-Tangible-Asset is ranked better than 54.78% of 1526
companies
in the Banks industry
Industry Median: 1.03
vs NSE:SOUTHBANK: 1.10
The South Indian Bank (NSE:SOUTHBANK) 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.
The South Indian Bank Return-on-Tangible-Asset Related Terms
The South Indian Bank Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for The South Indian Bank'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.
The South Indian Bank Return-on-Tangible-Asset Chart
The South Indian Bank Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, The South Indian Bank'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.
The South Indian Bank Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, The South Indian Bank's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where The South Indian Bank'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 (Jun. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.06% mean?
The South Indian Bank (NSE:SOUTHBANK) has a Return-on-Tangible-Asset of 1.06% 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 The South Indian Bank and its competitors. This is 112% above median its historical median of 0.50. Over the past decade, The South Indian Bank's Return-on-Tangible-Asset has ranged from 0.05 to 1.10. According to the industry distribution chart, The South Indian Bank ranks #690 out of 1526 companies in the Banks industry, placing it in the top 45.2%.
Is The South Indian Bank's Return-on-Tangible-Asset too high?
The South Indian Bank's current Return-on-Tangible-Asset of 1.06% is 112% above median its 10-year median of 0.50. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 1.10. The Banks industry median Return-on-Tangible-Asset is 1.03. The South Indian Bank's value of 1.06% is 2.9% above this industry median. Based on the distribution chart, The South Indian Bank ranks #690 out of 1526 companies in the Banks industry, which is above the industry midpoint. Overall, The South Indian Bank has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does The South Indian Bank's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, The South Indian Bank ranks #690 out of 1526 companies for Return-on-Tangible-Asset. This puts The South Indian Bank in the upper half of its industry. The industry median Return-on-Tangible-Asset is 1.03. The South Indian Bank's value of 1.06% is 2.9% above this benchmark. Historically, The South Indian Bank's own Return-on-Tangible-Asset has ranged from 0.05 to 1.10 over the past decade. While the company's 10-year median is 0.50 vs. the industry median of 1.03, The South Indian Bank 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 1.03, based on 1,526 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. The South Indian Bank's current Return-on-Tangible-Asset of 1.06% is 2.9% 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 The South Indian Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The South Indian Bank's current Return-on-Tangible-Asset is 1.06%, which is 112% above median its own 10-year median of 0.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The South Indian Bank stock overvalued right now?
Based on GuruFocus' analysis, The South Indian Bank (NSE:SOUTHBANK) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹26.70, compared to a current price of ₹44.97 — trading 68.4% above its estimated fair value. The current Return-on-Tangible-Asset is 1.06%, which is 112% above median its 10-year median of 0.50 and 2.9% above the Banks industry median of 1.03. The South Indian Bank's overall GF Score™ is 63/100 with 6 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 The South Indian Bank (NSE:SOUTHBANK), the current Return-on-Tangible-Asset is 1.06% 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 The South Indian Bank (NSE:SOUTHBANK) Overvalued in 2026?
Based on GuruFocus' analysis, The South Indian Bank stock appears to be overvalued.
The current stock price of ₹44.97 is trading 68.4% above its estimated GF Value™ of ₹26.70.
GuruFocus considers The South Indian Bank to be Significantly Overvalued.
Key valuation signals for NSE:SOUTHBANK:
Return-on-Tangible-Asset: 1.06% (112% above median its 10-year median of 0.50)
GF Value™: ₹26.70 vs. price of ₹44.97 (68.4% above fair value)
Industry Position: 2.9% above the Banks median (#690 of 1526)
No single metric tells the full story. See the NSE:SOUTHBANK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
The South Indian Bank Ltd operates in the Indian banking sector. The company's operating segments include Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking operations. Corporate/Wholesale Banking segment provides loans to the corporate segment identified based on RBI guidelines. The Retail Banking segment provides loans to non-corporate customers. Treasury segment constitutes interest earnings on investment portfolios and foreign exchange activities. The Other Banking Operations segment includes income from para-banking activities. It generates maximum revenue from the Retail Banking segment. Geographically, it operates in India.
63GF Score
Get the complete analysis for NSE:SOUTHBANK
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NSE:SOUTHBANK has been successfully added to your 
