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MF Banka ADXBLB:IEFB-R-A Return-on-Tangible-Asset is 2.01% as of Dec. 2025, which is 35% above its 10-year median of 1.49. The stock has 2 warning signs investors should review.
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. MF Banka AD's annualizedNet Income for the quarter that ended in Dec. 2025 was BAM18.16 Mil. MF Banka AD's average total tangible assets for the quarter that ended in Dec. 2025 was BAM903.93 Mil. Therefore, MF Banka AD's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 2.01%.
The historical rank and industry rank for MF Banka AD's Return-on-Tangible-Asset or its related term are showing as below:
XBLB:IEFB-R-A'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.87 Med: 1.49 Max: 1.73
Current: 1.68
During the past 13 years, MF Banka AD's highest Return-on-Tangible-Asset was 1.73%. The lowest was 0.87%. And the median was 1.49%.
XBLB:IEFB-R-A's Return-on-Tangible-Asset is not ranked
in the Banks industry.
Industry Median: 0.99
vs XBLB:IEFB-R-A: 1.68
MF Banka AD (XBLB:IEFB-R-A) 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.
MF Banka AD Return-on-Tangible-Asset Related Terms
MF Banka AD Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for MF Banka AD'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.
XBLB:IEFB-R-A vs USB, PNC: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, MF Banka AD'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.
MF Banka AD Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, MF Banka AD's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where MF Banka AD'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 two times the semi-annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 2.01% mean?
MF Banka AD (XBLB:IEFB-R-A) has a Return-on-Tangible-Asset of 2.01% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on MF Banka AD and its competitors. This is 35% above median its historical median of 1.49. Over the past decade, MF Banka AD's Return-on-Tangible-Asset has ranged from 0.87 to 1.73.
Is MF Banka AD's Return-on-Tangible-Asset too high?
MF Banka AD's current Return-on-Tangible-Asset of 2.01% is 35% above median its 10-year median of 1.49. Over the past 10 years, this metric has ranged from a low of 0.87 to a high of 1.73. The Banks industry median Return-on-Tangible-Asset is 0.99. MF Banka AD's value of 2.01% is 103% above this industry median.
How does MF Banka AD's Return-on-Tangible-Asset compare to USB and PNC?
MF Banka AD's Return-on-Tangible-Asset of 2.01% can be compared against companies in the Banks industry. The industry median Return-on-Tangible-Asset is 0.99. MF Banka AD's value of 2.01% is 103% above this benchmark. Historically, MF Banka AD's own Return-on-Tangible-Asset has ranged from 0.87 to 1.73 over the past decade. While the company's 10-year median is 1.49 vs. the industry median of 0.99, MF Banka AD 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 1,529 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. MF Banka AD's current Return-on-Tangible-Asset of 2.01% is 103% 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 MF Banka AD 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. MF Banka AD's current Return-on-Tangible-Asset is 2.01%, which is 35% above median its own 10-year median of 1.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MF Banka AD stock overvalued right now?
MF Banka AD (XBLB:IEFB-R-A) has a current Return-on-Tangible-Asset of 2.01%. The stock's GF Value™ is BAM108.56, compared to a current price of BAM174.82 — trading 61% above its estimated fair value. The current Return-on-Tangible-Asset is 2.01%, which is 35% above median its 10-year median of 1.49 and 103% above the Banks industry median of 0.99. 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 MF Banka AD (XBLB:IEFB-R-A), the current Return-on-Tangible-Asset is 2.01% as of Dec. 2025. 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.
MF Banka AD provides is a regional bank engaged in providing banking products and services. The bank is licensed to perform banking activities that include payment transfers, crediting, and depositary operations in the country and abroad. It offers savings products, loans, payment services, deposit and documentary operations services, cards, electronic and mobile banking, SMS, and ATM services. Geographically, it operates in the region of Bosnia and Herzegovina and serves individuals, businesses, and small and medium-sized enterprises.
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