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Islandsbanki hfOISE:ISB +0.55%73 Return-on-Tangible-Asset is 1.70% as of Mar. 2026, which is 12% above its 10-year median of 1.52. GuruFocus rates OISE:ISB with a GF Score™ of 73/100 and a GF Value™ of kr145.53 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,523 Banks companies, Islandsbanki hf ranks better than 79.97% 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. Islandsbanki hf's annualizedNet Income for the quarter that ended in Mar. 2026 was kr29,824 Mil. Islandsbanki hf's average total tangible assets for the quarter that ended in Mar. 2026 was kr1,754,707 Mil. Therefore, Islandsbanki hf's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.70%.
The historical rank and industry rank for Islandsbanki hf's Return-on-Tangible-Asset or its related term are showing as below:
OISE:ISB'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.56 Med: 1.52 Max: 1.72
Current: 1.6
During the past 9 years, Islandsbanki hf's highest Return-on-Tangible-Asset was 1.72%. The lowest was 0.56%. And the median was 1.52%.
OISE:ISB's Return-on-Tangible-Asset is ranked better than 79.97% of 1523
companies
in the Banks industry
Industry Median: 0.99
vs OISE:ISB: 1.60
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.
Islandsbanki hf Return-on-Tangible-Asset Related Terms
Islandsbanki hf Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Islandsbanki hf'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.
OISE:ISB vs PNC, USB: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Islandsbanki hf'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.
Islandsbanki hf Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Islandsbanki hf's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Islandsbanki hf'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 1.70% mean?
Islandsbanki hf (OISE:ISB) has a Return-on-Tangible-Asset of 1.70% 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 Islandsbanki hf and its competitors. This is 12% above median its historical median of 1.52. Over the past decade, Islandsbanki hf's Return-on-Tangible-Asset has ranged from 0.56 to 1.72. According to the industry distribution chart, Islandsbanki hf ranks #305 out of 1523 companies in the Banks industry, placing it in the top 20%.
Is Islandsbanki hf's Return-on-Tangible-Asset too high?
Islandsbanki hf's current Return-on-Tangible-Asset of 1.70% is 12% above median its 10-year median of 1.52. Over the past 10 years, this metric has ranged from a low of 0.56 to a high of 1.72. The Banks industry median Return-on-Tangible-Asset is 0.99. Islandsbanki hf's value of 1.70% is 71.7% above this industry median. Based on the distribution chart, Islandsbanki hf ranks #305 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Islandsbanki hf has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Islandsbanki hf's Return-on-Tangible-Asset compare to PNC and USB?
According to the Banks industry distribution chart, Islandsbanki hf ranks #305 out of 1523 companies for Return-on-Tangible-Asset. This places Islandsbanki hf in the top 20% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 0.99. Islandsbanki hf's value of 1.70% is 71.7% above this benchmark. Historically, Islandsbanki hf's own Return-on-Tangible-Asset has ranged from 0.56 to 1.72 over the past decade. While the company's 10-year median is 1.52 vs. the industry median of 0.99, Islandsbanki hf 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 1,523 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. Islandsbanki hf's current Return-on-Tangible-Asset of 1.70% is 71.7% 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 Islandsbanki hf 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. Islandsbanki hf's current Return-on-Tangible-Asset is 1.70%, which is 12% above median its own 10-year median of 1.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Islandsbanki hf stock overvalued right now?
Based on GuruFocus' analysis, Islandsbanki hf (OISE:ISB) is currently considered Fairly Valued. The stock's GF Value™ is kr145.53, compared to a current price of kr145.80 — trading 0.2% above its estimated fair value. The current Return-on-Tangible-Asset is 1.70%, which is 12% above median its 10-year median of 1.52 and 71.7% above the Banks industry median of 0.99. Islandsbanki hf's overall GF Score™ is 73/100 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 Islandsbanki hf (OISE:ISB), the current Return-on-Tangible-Asset is 1.70% 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 Islandsbanki hf (OISE:ISB) Overvalued in 2026?
Based on GuruFocus' analysis, Islandsbanki hf stock appears to be overvalued.
The current stock price of kr145.80 is trading 0.2% above its estimated GF Value™ of kr145.53.
GuruFocus considers Islandsbanki hf to be Fairly Valued.
Key valuation signals for OISE:ISB:
Return-on-Tangible-Asset: 1.70% (12% above median its 10-year median of 1.52)
GF Value™: kr145.53 vs. price of kr145.80 (0.2% above fair value)
Industry Position: 71.7% above the Banks median (#305 of 1523)
No single metric tells the full story. See the OISE:ISB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Islandsbanki hf is a customer-centric universal bank. The company's segments include Personal Banking; Business Banking; Corporate and Investment Banking; Treasury and Proprietary Trading and Cost centres. It generates maximum revenue from the Business Banking segment. Business Banking provides small and medium-sized enterprises (SMEs) with comprehensive financial services, including Ergo, the Bank's asset financing service.
73GF Score
Get the complete analysis for OISE:ISB
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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