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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. Bank Ochrony Srodowiska's annualizedNet Income for the quarter that ended in Jun. 2026 was zł-4 Mil. Bank Ochrony Srodowiska's average total tangible assets for the quarter that ended in Jun. 2026 was zł26,979 Mil. Therefore, Bank Ochrony Srodowiska's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2026 was -0.02%.
The historical rank and industry rank for Bank Ochrony Srodowiska's Return-on-Tangible-Asset or its related term are showing as below:
WAR:BOS'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -1.58 Med: 0.35 Max: 0.61
Current: 0.23
During the past 13 years, Bank Ochrony Srodowiska's highest Return-on-Tangible-Asset was 0.61%. The lowest was -1.58%. And the median was 0.35%.
WAR:BOS's Return-on-Tangible-Asset is ranked worse than 90.09% of 1523
companies
in the Banks industry
Industry Median: 1.03
vs WAR:BOS: 0.23
Bank Ochrony Srodowiska (WAR:BOS) 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.
Bank Ochrony Srodowiska Return-on-Tangible-Asset Related Terms
Bank Ochrony Srodowiska Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Bank Ochrony Srodowiska'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.
Bank Ochrony Srodowiska Return-on-Tangible-Asset Chart
WAR:BOS vs USB, PNC: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Bank Ochrony Srodowiska'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.
Bank Ochrony Srodowiska Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Bank Ochrony Srodowiska's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Bank Ochrony Srodowiska'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 -0.02% mean?
Bank Ochrony Srodowiska (WAR:BOS) has a Return-on-Tangible-Asset of -0.02% 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 Bank Ochrony Srodowiska and its competitors. According to the industry distribution chart, Bank Ochrony Srodowiska ranks #1372 out of 1523 companies in the Banks industry, placing it in the top 90.1%.
Is Bank Ochrony Srodowiska's Return-on-Tangible-Asset too high?
Bank Ochrony Srodowiska's current Return-on-Tangible-Asset is -0.02%. Based on the distribution chart, Bank Ochrony Srodowiska ranks #1372 out of 1523 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Bank Ochrony Srodowiska has a GF Score™ of 75/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bank Ochrony Srodowiska's Return-on-Tangible-Asset compare to USB and PNC?
According to the Banks industry distribution chart, Bank Ochrony Srodowiska ranks #1372 out of 1523 companies for Return-on-Tangible-Asset. This places Bank Ochrony Srodowiska in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.03. 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 1,523 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. 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 Bank Ochrony Srodowiska 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. Bank Ochrony Srodowiska's current Return-on-Tangible-Asset is -0.02%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Ochrony Srodowiska stock overvalued right now?
Based on GuruFocus' analysis, Bank Ochrony Srodowiska (WAR:BOS) is currently considered Fairly Valued. The stock's GF Value™ is zł10.59, compared to a current price of zł10.24 — trading 3.3% below its estimated fair value. The current Return-on-Tangible-Asset is -0.02%. Bank Ochrony Srodowiska's overall GF Score™ is 75/100 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 Bank Ochrony Srodowiska (WAR:BOS), the current Return-on-Tangible-Asset is -0.02% 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 Bank Ochrony Srodowiska (WAR:BOS) Overvalued in 2026?
Based on GuruFocus' analysis, Bank Ochrony Srodowiska stock appears to be undervalued.
The current stock price of zł10.24 is trading 3.3% below its estimated GF Value™ of zł10.59.
GuruFocus considers Bank Ochrony Srodowiska to be Fairly Valued.
Key valuation signals for WAR:BOS:
Return-on-Tangible-Asset: -0.02%
GF Value™: zł10.59 vs. price of zł10.24 (3.3% below fair value)
No single metric tells the full story. See the WAR:BOS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank Ochrony Srodowiska SA is engaged in providing banking and financial services. The company offers a range of services to individuals, corporate clients, and local government units. The company operates through Institutional Clients; Retail Clients; Treasury and Investment Activity; and Other segments.
75GF Score
Get the complete analysis for WAR:BOS
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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