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The historical rank and industry rank for Pavlovic International Bank a.d's Return-on-Tangible-Asset or its related term are showing as below:
XBLB:PIBB-R-D'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -9.11 Med: 0.1 Max: 0.68
Current: 0.65
During the past 13 years, Pavlovic International Bank a.d's highest Return-on-Tangible-Asset was 0.68%. The lowest was -9.11%. And the median was 0.10%.
XBLB:PIBB-R-D's Return-on-Tangible-Asset is not ranked
in the Banks industry.
Industry Median: 0.99
vs XBLB:PIBB-R-D: 0.65
Pavlovic International Bank a.d (XBLB:PIBB-R-D) 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.
Pavlovic International Bank a.d Return-on-Tangible-Asset Related Terms
Pavlovic International Bank a.d Return-on-Tangible-Asset Historical Data
* 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.
Pavlovic International Bank a.d Return-on-Tangible-Asset Chart
XBLB:PIBB-R-D vs BKESF, TCNB: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Pavlovic International Bank a.d'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.
Pavlovic International Bank a.d Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Pavlovic International Bank a.d's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Pavlovic International Bank a.d'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 1.19% mean?
Pavlovic International Bank a.d (XBLB:PIBB-R-D) has a Return-on-Tangible-Asset of 1.19% 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 Pavlovic International Bank a.d and its competitors. This is 1090% above median its historical median of 0.10.
Is Pavlovic International Bank a.d's Return-on-Tangible-Asset too high?
Pavlovic International Bank a.d's current Return-on-Tangible-Asset of 1.19% is 1090% above median its 10-year median of 0.10. The Banks industry median Return-on-Tangible-Asset is 0.99. Pavlovic International Bank a.d's value of 1.19% is 20.2% above this industry median. Overall, Pavlovic International Bank a.d has a GF Score™ of 2/100, reflecting its overall financial health beyond just this single metric.
How does Pavlovic International Bank a.d's Return-on-Tangible-Asset compare to BKESF and TCNB?
Pavlovic International Bank a.d's Return-on-Tangible-Asset of 1.19% can be compared against companies in the Banks industry. The industry median Return-on-Tangible-Asset is 0.99. Pavlovic International Bank a.d's value of 1.19% is 20.2% above this benchmark. While the company's 10-year median is 0.10 vs. the industry median of 0.99, Pavlovic International Bank a.d 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. Pavlovic International Bank a.d's current Return-on-Tangible-Asset of 1.19% is 20.2% 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 Pavlovic International Bank a.d 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. Pavlovic International Bank a.d's current Return-on-Tangible-Asset is 1.19%, which is 1090% above median its own 10-year median of 0.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pavlovic International Bank a.d stock overvalued right now?
Pavlovic International Bank a.d (XBLB:PIBB-R-D) has a current Return-on-Tangible-Asset of 1.19%. The current Return-on-Tangible-Asset is 1.19%, which is 1090% above median its 10-year median of 0.10 and 20.2% above the Banks industry median of 0.99. Pavlovic International Bank a.d's overall GF Score™ is 2/100 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 Pavlovic International Bank a.d (XBLB:PIBB-R-D), the current Return-on-Tangible-Asset is 1.19% 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.
Pavlovic International Bank a.d Business Description
Pavlovic International Bank a.d provides banking services. It provides retail and corporate banking services including loans, overdrafts, consumer loans, housing loans, savings accounts, payment cards, short term loans, and other banking services.
2GF Score
Get the complete analysis for XBLB:PIBB-R-D
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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