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VP Bank AGXSWX:VPBN +1.18%63 Return-on-Tangible-Asset is 0.33% as of Dec. 2025, which is 20% below its 10-year median of 0.41. GuruFocus rates XSWX:VPBN with a GF Score™ of 63/100 and a GF Value™ of CHF81.76 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,532 Banks companies, VP Bank AG ranks worse than 81.53% 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. VP Bank AG's annualizedNet Income for the quarter that ended in Dec. 2025 was CHF36.5 Mil. VP Bank AG's average total tangible assets for the quarter that ended in Dec. 2025 was CHF10,964.2 Mil. Therefore, VP Bank AG's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 0.33%.
The historical rank and industry rank for VP Bank AG's Return-on-Tangible-Asset or its related term are showing as below:
XSWX:VPBN'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.17 Med: 0.41 Max: 0.57
Current: 0.43
During the past 13 years, VP Bank AG's highest Return-on-Tangible-Asset was 0.57%. The lowest was 0.17%. And the median was 0.41%.
XSWX:VPBN's Return-on-Tangible-Asset is ranked worse than 81.53% of 1532
companies
in the Banks industry
Industry Median: 0.99
vs XSWX:VPBN: 0.43
VP Bank AG (XSWX:VPBN) 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.
VP Bank AG Return-on-Tangible-Asset Related Terms
VP Bank AG Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for VP Bank AG'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.
XSWX:VPBN vs JPM, BAC, WFC: Return-on-Tangible-Asset Comparison
For the Banks - Diversified subindustry, VP Bank AG'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.
VP Bank AG Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, VP Bank AG's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where VP Bank AG'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 0.33% mean?
VP Bank AG (XSWX:VPBN) has a Return-on-Tangible-Asset of 0.33% 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 VP Bank AG and its competitors. This is 20% below median its historical median of 0.41. Over the past decade, VP Bank AG's Return-on-Tangible-Asset has ranged from 0.17 to 0.57. According to the industry distribution chart, VP Bank AG ranks #1249 out of 1532 companies in the Banks industry, placing it in the top 81.5%.
Is VP Bank AG's Return-on-Tangible-Asset too high?
VP Bank AG's current Return-on-Tangible-Asset of 0.33% is 20% below median its 10-year median of 0.41. Over the past 10 years, this metric has ranged from a low of 0.17 to a high of 0.57. The Banks industry median Return-on-Tangible-Asset is 0.99. VP Bank AG's value of 0.33% is 66.7% below this industry median. Based on the distribution chart, VP Bank AG ranks #1249 out of 1532 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, VP Bank AG has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does VP Bank AG's Return-on-Tangible-Asset compare to JPM and BAC?
According to the Banks industry distribution chart, VP Bank AG ranks #1249 out of 1532 companies for Return-on-Tangible-Asset. This places VP Bank AG in the lower half of its industry. The industry median Return-on-Tangible-Asset is 0.99. VP Bank AG's value of 0.33% is 66.7% below this benchmark. Historically, VP Bank AG's own Return-on-Tangible-Asset has ranged from 0.17 to 0.57 over the past decade. While the company's 10-year median is 0.41 vs. the industry median of 0.99, VP Bank AG has consistently been below 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 1,532 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. VP Bank AG's current Return-on-Tangible-Asset of 0.33% is 66.7% below 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 VP Bank AG 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. VP Bank AG's current Return-on-Tangible-Asset is 0.33%, which is 20% below median its own 10-year median of 0.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is VP Bank AG stock overvalued right now?
Based on GuruFocus' analysis, VP Bank AG (XSWX:VPBN) is currently considered Modestly Overvalued. The stock's GF Value™ is CHF81.76, compared to a current price of CHF94.60 — trading 15.7% above its estimated fair value. The current Return-on-Tangible-Asset is 0.33%, which is 20% below median its 10-year median of 0.41 and 66.7% below the Banks industry median of 0.99. VP Bank AG's overall GF Score™ is 63/100 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 VP Bank AG (XSWX:VPBN), the current Return-on-Tangible-Asset is 0.33% 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.
Is VP Bank AG (XSWX:VPBN) Overvalued in 2026?
Based on GuruFocus' analysis, VP Bank AG stock appears to be overvalued.
The current stock price of CHF94.60 is trading 15.7% above its estimated GF Value™ of CHF81.76.
GuruFocus considers VP Bank AG to be Modestly Overvalued.
Key valuation signals for XSWX:VPBN:
Return-on-Tangible-Asset: 0.33% (20% below median its 10-year median of 0.41)
GF Value™: CHF81.76 vs. price of CHF94.60 (15.7% above fair value)
Industry Position: 66.7% below the Banks median (#1249 of 1532)
No single metric tells the full story. See the XSWX:VPBN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
VP Bank AG is a private bank. It is in the business of asset management and investment advisory services for private individuals and intermediaries and is also involved in the lending business, money market, and interbank activities and trading activities. The segments in which the company operates are Liechtenstein & BVI, International, Asset Servicing, and Corporate Center. Its geographical segments are Liechtenstein, the Rest of Europe, and Other countries, of which Liechtenstein derives maximum revenue.
63GF Score
Get the complete analysis for XSWX:VPBN
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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