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Zuger Kantonalbank AGXSWX:ZUGER -0.95%65 Return-on-Tangible-Asset is 0.72% as of Jun. 2026, which is 44% above its 10-year median of 0.50. GuruFocus rates XSWX:ZUGER with a GF Score™ of 65/100 and a GF Value™ of CHF8,870.55 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,529 Banks companies, Zuger Kantonalbank AG ranks worse than 68.61% 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. Zuger Kantonalbank AG's annualizedNet Income for the quarter that ended in Jun. 2026 was CHF142.8 Mil. Zuger Kantonalbank AG's average total tangible assets for the quarter that ended in Jun. 2026 was CHF19,893.9 Mil. Therefore, Zuger Kantonalbank AG's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2026 was 0.72%.
The historical rank and industry rank for Zuger Kantonalbank AG's Return-on-Tangible-Asset or its related term are showing as below:
XSWX:ZUGER'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.43 Med: 0.5 Max: 0.69
Current: 0.66
During the past 13 years, Zuger Kantonalbank AG's highest Return-on-Tangible-Asset was 0.69%. The lowest was 0.43%. And the median was 0.50%.
XSWX:ZUGER's Return-on-Tangible-Asset is ranked worse than 68.61% of 1529
companies
in the Banks industry
Industry Median: 0.99
vs XSWX:ZUGER: 0.66
Zuger Kantonalbank AG (XSWX:ZUGER) 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.
Zuger Kantonalbank AG Return-on-Tangible-Asset Related Terms
Zuger Kantonalbank AG Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Zuger Kantonalbank 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.
Zuger Kantonalbank AG Return-on-Tangible-Asset Chart
Zuger Kantonalbank AG Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, Zuger Kantonalbank 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.
Zuger Kantonalbank AG Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Zuger Kantonalbank AG's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Zuger Kantonalbank 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 (Jun. 2026) net income data.
What does a Return-on-Tangible-Asset of 0.72% mean?
Zuger Kantonalbank AG (XSWX:ZUGER) has a Return-on-Tangible-Asset of 0.72% 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 Zuger Kantonalbank AG and its competitors. This is 44% above median its historical median of 0.50. Over the past decade, Zuger Kantonalbank AG's Return-on-Tangible-Asset has ranged from 0.43 to 0.69. According to the industry distribution chart, Zuger Kantonalbank AG ranks #1049 out of 1529 companies in the Banks industry, placing it in the top 68.6%.
Is Zuger Kantonalbank AG's Return-on-Tangible-Asset too high?
Zuger Kantonalbank AG's current Return-on-Tangible-Asset of 0.72% is 44% above median its 10-year median of 0.50. Over the past 10 years, this metric has ranged from a low of 0.43 to a high of 0.69. The Banks industry median Return-on-Tangible-Asset is 0.99. Zuger Kantonalbank AG's value of 0.72% is 27.3% below this industry median. Based on the distribution chart, Zuger Kantonalbank AG ranks #1049 out of 1529 companies in the Banks industry, which is below the industry midpoint. Overall, Zuger Kantonalbank AG has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zuger Kantonalbank AG's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, Zuger Kantonalbank AG ranks #1049 out of 1529 companies for Return-on-Tangible-Asset. This places Zuger Kantonalbank AG in the lower half of its industry. The industry median Return-on-Tangible-Asset is 0.99. Zuger Kantonalbank AG's value of 0.72% is 27.3% below this benchmark. Historically, Zuger Kantonalbank AG's own Return-on-Tangible-Asset has ranged from 0.43 to 0.69 over the past decade. While the company's 10-year median is 0.50 vs. the industry median of 0.99, Zuger Kantonalbank 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 1,529 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. Zuger Kantonalbank AG's current Return-on-Tangible-Asset of 0.72% is 27.3% 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 Zuger Kantonalbank 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. Zuger Kantonalbank AG's current Return-on-Tangible-Asset is 0.72%, which is 44% above median its own 10-year median of 0.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Zuger Kantonalbank AG stock overvalued right now?
Based on GuruFocus' analysis, Zuger Kantonalbank AG (XSWX:ZUGER) is currently considered Modestly Overvalued. The stock's GF Value™ is CHF8,870.55, compared to a current price of CHF10,450.00 — trading 17.8% above its estimated fair value. The current Return-on-Tangible-Asset is 0.72%, which is 44% above median its 10-year median of 0.50 and 27.3% below the Banks industry median of 0.99. Zuger Kantonalbank AG's overall GF Score™ is 65/100 with 6 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 Zuger Kantonalbank AG (XSWX:ZUGER), the current Return-on-Tangible-Asset is 0.72% 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 Zuger Kantonalbank AG (XSWX:ZUGER) Overvalued in 2026?
Based on GuruFocus' analysis, Zuger Kantonalbank AG stock appears to be overvalued.
The current stock price of CHF10,450.00 is trading 17.8% above its estimated GF Value™ of CHF8,870.55.
GuruFocus considers Zuger Kantonalbank AG to be Modestly Overvalued.
Key valuation signals for XSWX:ZUGER:
Return-on-Tangible-Asset: 0.72% (44% above median its 10-year median of 0.50)
GF Value™: CHF8,870.55 vs. price of CHF10,450.00 (17.8% above fair value)
Industry Position: 27.3% below the Banks median (#1049 of 1529)
No single metric tells the full story. See the XSWX:ZUGER stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Zuger Kantonalbank AG is a cantonal, universal Swiss bank. The canton of Zug is the majority shareholder with just over half of the outstanding shares. The cantonal government also guarantees state protection of funds deposited with the bank. The bank's operations include retail banking, private banking, and corporate banking. Most of its products and services cater to residents in the canton of Zug. Products and offerings include traditional banking services, home financing, financial planning, asset management, corporate and real estate financing, pension planning, and succession planning. Most of the bank's net revenue consists of net interest income derived from mortgages.
65GF Score
Get the complete analysis for XSWX:ZUGER
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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