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Moneta Money Bank ASSTU:MM0 +0.85%67 Return-on-Tangible-Asset is 1.24% as of Mar. 2026, which is 10% below its 10-year median of 1.38. GuruFocus rates STU:MM0 with a GF Score™ of 67/100 and a GF Value™ of €5.62 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,527 Banks companies, Moneta Money Bank AS ranks better than 70.27% 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. Moneta Money Bank AS's annualizedNet Income for the quarter that ended in Mar. 2026 was €259.1 Mil. Moneta Money Bank AS's average total tangible assets for the quarter that ended in Mar. 2026 was €20,904.8 Mil. Therefore, Moneta Money Bank AS's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.24%.
The historical rank and industry rank for Moneta Money Bank AS's Return-on-Tangible-Asset or its related term are showing as below:
STU:MM0'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 1.01 Med: 1.38 Max: 2.81
Current: 1.32
During the past 11 years, Moneta Money Bank AS's highest Return-on-Tangible-Asset was 2.81%. The lowest was 1.01%. And the median was 1.38%.
STU:MM0's Return-on-Tangible-Asset is ranked better than 70.27% of 1527
companies
in the Banks industry
Industry Median: 0.99
vs STU:MM0: 1.32
Moneta Money Bank AS (STU:MM0) 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.
Moneta Money Bank AS Return-on-Tangible-Asset Related Terms
Moneta Money Bank AS Return-on-Tangible-Asset Historical Data
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The historical data trend for Moneta Money Bank 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.
Moneta Money Bank AS Return-on-Tangible-Asset Chart
STU:MM0 vs PNC, USB: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Moneta Money Bank 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.
Moneta Money Bank AS Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Moneta Money Bank AS's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Moneta Money Bank 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 1.24% mean?
Moneta Money Bank AS (STU:MM0) has a Return-on-Tangible-Asset of 1.24% 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 Moneta Money Bank AS and its competitors. This is 10% below median its historical median of 1.38. Over the past decade, Moneta Money Bank AS's Return-on-Tangible-Asset has ranged from 1.01 to 2.81. According to the industry distribution chart, Moneta Money Bank AS ranks #454 out of 1527 companies in the Banks industry, placing it in the top 29.7%.
Is Moneta Money Bank AS's Return-on-Tangible-Asset too high?
Moneta Money Bank AS's current Return-on-Tangible-Asset of 1.24% is 10% below median its 10-year median of 1.38. Over the past 10 years, this metric has ranged from a low of 1.01 to a high of 2.81. The Banks industry median Return-on-Tangible-Asset is 0.99. Moneta Money Bank AS's value of 1.24% is 25.3% above this industry median. Based on the distribution chart, Moneta Money Bank AS ranks #454 out of 1527 companies in the Banks industry, which is above the industry midpoint. Overall, Moneta Money Bank AS has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Moneta Money Bank AS's Return-on-Tangible-Asset compare to PNC and USB?
According to the Banks industry distribution chart, Moneta Money Bank AS ranks #454 out of 1527 companies for Return-on-Tangible-Asset. This puts Moneta Money Bank AS in the upper half of its industry. The industry median Return-on-Tangible-Asset is 0.99. Moneta Money Bank AS's value of 1.24% is 25.3% above this benchmark. Historically, Moneta Money Bank AS's own Return-on-Tangible-Asset has ranged from 1.01 to 2.81 over the past decade. While the company's 10-year median is 1.38 vs. the industry median of 0.99, Moneta Money Bank AS 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 1,527 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. Moneta Money Bank AS's current Return-on-Tangible-Asset of 1.24% is 25.3% 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 Moneta Money Bank 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. Moneta Money Bank AS's current Return-on-Tangible-Asset is 1.24%, which is 10% below median its own 10-year median of 1.38. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Moneta Money Bank AS stock overvalued right now?
Based on GuruFocus' analysis, Moneta Money Bank AS (STU:MM0) is currently considered Significantly Overvalued. The stock's GF Value™ is €5.62, compared to a current price of €7.75 — trading 37.8% above its estimated fair value. The current Return-on-Tangible-Asset is 1.24%, which is 10% below median its 10-year median of 1.38 and 25.3% above the Banks industry median of 0.99. Moneta Money Bank AS's overall GF Score™ is 67/100 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 Moneta Money Bank AS (STU:MM0), the current Return-on-Tangible-Asset is 1.24% 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 Moneta Money Bank AS (STU:MM0) Overvalued in 2026?
Based on GuruFocus' analysis, Moneta Money Bank AS stock appears to be overvalued.
The current stock price of €7.75 is trading 37.8% above its estimated GF Value™ of €5.62.
GuruFocus considers Moneta Money Bank AS to be Significantly Overvalued.
Key valuation signals for STU:MM0:
Return-on-Tangible-Asset: 1.24% (10% below median its 10-year median of 1.38)
GF Value™: €5.62 vs. price of €7.75 (37.8% above fair value)
Industry Position: 25.3% above the Banks median (#454 of 1527)
No single metric tells the full story. See the STU:MM0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Moneta Money Bank AS is a small and medium-sized enterprise banking institution based in the Czech Republic. The company's segment includes Commercial, Retail, and Other/Treasury. It generates maximum revenue from the Retail segment. The Retail segment focuses on deposits, loans, revolving products, credit cards, mortgages, building savings, and other transactions with retail customers. The Commercial segment consists of deposits, investment loans, revolving products, financing of real estate, and other services related to transactions with small and medium-sized enterprises, corporate clients, financial institutions, and public sector institutions. The Treasury Segment Performance and Other provides mainly the treasury function.
67GF Score
Get the complete analysis for STU:MM0
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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