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Republic Financial HolTRN:RFHL +0.16%91 Return-on-Tangible-Asset is 1.36% as of Jun. 2026, which is 22% below its 10-year median of 1.75. GuruFocus rates TRN:RFHL with a GF Score™ of 91/100 and a GF Value™ of TTD127.56 (Modestly Undervalued). Among 1,527 Banks companies, Republic Financial Hol ranks better than 82.45% 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. Republic Financial Hol's annualizedNet Income for the quarter that ended in Jun. 2026 was TTD1,828 Mil. Republic Financial Hol's average total tangible assets for the quarter that ended in Jun. 2026 was TTD134,133 Mil. Therefore, Republic Financial Hol's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2026 was 1.36%.
The historical rank and industry rank for Republic Financial Hol's Return-on-Tangible-Asset or its related term are showing as below:
TRN:RFHL'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.95 Med: 1.75 Max: 2.02
Current: 1.7
During the past 9 years, Republic Financial Hol's highest Return-on-Tangible-Asset was 2.02%. The lowest was 0.95%. And the median was 1.75%.
TRN:RFHL's Return-on-Tangible-Asset is ranked better than 82.45% of 1527
companies
in the Banks industry
Industry Median: 1.01
vs TRN:RFHL: 1.70
Republic Financial Hol (TRN:RFHL) 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.
Republic Financial Hol Return-on-Tangible-Asset Related Terms
Republic Financial Hol Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Republic Financial Hol'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.
Republic Financial Hol Return-on-Tangible-Asset Chart
TRN:RFHL vs PNC, USB: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Republic Financial Hol'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.
Republic Financial Hol Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Republic Financial Hol's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Republic Financial Hol'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 1.36% mean?
Republic Financial Hol (TRN:RFHL) has a Return-on-Tangible-Asset of 1.36% 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 Republic Financial Hol and its competitors. This is 22% below median its historical median of 1.75. Over the past decade, Republic Financial Hol's Return-on-Tangible-Asset has ranged from 0.95 to 2.02. According to the industry distribution chart, Republic Financial Hol ranks #268 out of 1527 companies in the Banks industry, placing it in the top 17.6%.
Is Republic Financial Hol's Return-on-Tangible-Asset too high?
Republic Financial Hol's current Return-on-Tangible-Asset of 1.36% is 22% below median its 10-year median of 1.75. Over the past 10 years, this metric has ranged from a low of 0.95 to a high of 2.02. The Banks industry median Return-on-Tangible-Asset is 1.01. Republic Financial Hol's value of 1.36% is 34.7% above this industry median. Based on the distribution chart, Republic Financial Hol ranks #268 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Republic Financial Hol has a GF Score™ of 91/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Republic Financial Hol's Return-on-Tangible-Asset compare to PNC and USB?
According to the Banks industry distribution chart, Republic Financial Hol ranks #268 out of 1527 companies for Return-on-Tangible-Asset. This places Republic Financial Hol in the top 18% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 1.01. Republic Financial Hol's value of 1.36% is 34.7% above this benchmark. Historically, Republic Financial Hol's own Return-on-Tangible-Asset has ranged from 0.95 to 2.02 over the past decade. While the company's 10-year median is 1.75 vs. the industry median of 1.01, Republic Financial Hol 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 1.01, 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. Republic Financial Hol's current Return-on-Tangible-Asset of 1.36% is 34.7% 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 Republic Financial Hol and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Republic Financial Hol's current Return-on-Tangible-Asset is 1.36%, which is 22% below median its own 10-year median of 1.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Republic Financial Hol stock overvalued right now?
Based on GuruFocus' analysis, Republic Financial Hol (TRN:RFHL) is currently considered Modestly Undervalued. The stock's GF Value™ is TTD127.56, compared to a current price of TTD110.18 — trading 13.6% below its estimated fair value. The current Return-on-Tangible-Asset is 1.36%, which is 22% below median its 10-year median of 1.75 and 34.7% above the Banks industry median of 1.01. Republic Financial Hol's overall GF Score™ is 91/100. 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 Republic Financial Hol (TRN:RFHL), the current Return-on-Tangible-Asset is 1.36% 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 Republic Financial Hol (TRN:RFHL) Overvalued in 2026?
Based on GuruFocus' analysis, Republic Financial Hol stock appears to be undervalued.
The current stock price of TTD110.18 is trading 13.6% below its estimated GF Value™ of TTD127.56.
GuruFocus considers Republic Financial Hol to be Modestly Undervalued.
Key valuation signals for TRN:RFHL:
Return-on-Tangible-Asset: 1.36% (22% below median its 10-year median of 1.75)
GF Value™: TTD127.56 vs. price of TTD110.18 (13.6% below fair value)
Industry Position: 34.7% above the Banks median (#268 of 1527)
No single metric tells the full story. See the TRN:RFHL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Republic Financial Hol Ltd is a financial services group comprising several subsidiaries and associated companies. The company is engaged in providing a wide range of banking, financial, and related services to retail and commercial banking customers, corporate clients, and governments. It operates in two segments: retail and commercial banking, which generates maximum revenue, and other financial services. The company operates in the following geographical segments: Trinidad & Tobago, Barbados, Suriname, Eastern Caribbean, Guyana, Ghana, Cayman Islands, and the British Virgin Islands. It derives key revenue from its operations in Trinidad & Tobago.
91GF Score
Get the complete analysis for TRN:RFHL
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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