Addiko Bank AGADBKF 67 Return-on-Tangible-Equity is 4.02% as of Dec. 2025, which is 9% below its 10-year median of 4.42. GuruFocus rates ADBKF with a GF Score™ of 67/100 and a GF Value™ of $20.89 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,523 Banks companies, Addiko Bank AG ranks worse than 85.16% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Addiko Bank AG's annualized net income for the quarter that ended in Dec. 2025 was $40.7 Mil. Addiko Bank AG's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $1,014.6 Mil. Therefore, Addiko Bank AG's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 4.02%.
The historical rank and industry rank for Addiko Bank AG's Return-on-Tangible-Equity or its related term are showing as below:
ADBKF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -2.78 Med: 4.42 Max: 12.62
Current: 4.62
During the past 13 years, Addiko Bank AG's highest Return-on-Tangible-Equity was 12.62%. The lowest was -2.78%. And the median was 4.42%.
ADBKF's Return-on-Tangible-Equity is ranked worse than 85.16% of 1523
companies
in the Banks industry
Industry Median: 11.19
vs ADBKF: 4.62
Addiko Bank AG (OTCPK:ADBKF) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Addiko Bank AG Return-on-Tangible-Equity Related Terms
Addiko Bank AG Return-on-Tangible-Equity Historical Data
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The historical data trend for Addiko Bank AG's Return-on-Tangible-Equity 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.
ADBKF vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Addiko Bank AG's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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.
Addiko Bank AG Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Addiko Bank AG's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Addiko Bank AG's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 4.02% mean?
Addiko Bank AG (ADBKF) has a Return-on-Tangible-Equity of 4.02% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Addiko Bank AG and its competitors. This is near median its historical median of 4.42. According to the industry distribution chart, Addiko Bank AG ranks #1297 out of 1523 companies in the Banks industry, placing it in the top 85.2%.
Is Addiko Bank AG's Return-on-Tangible-Equity too high?
Addiko Bank AG's current Return-on-Tangible-Equity of 4.02% is near median its 10-year median of 4.42. The Banks industry median Return-on-Tangible-Equity is 11.19. Addiko Bank AG's value of 4.02% is 64.1% below this industry median. Based on the distribution chart, Addiko Bank AG ranks #1297 out of 1523 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Addiko Bank AG has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Addiko Bank AG's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Addiko Bank AG ranks #1297 out of 1523 companies for Return-on-Tangible-Equity. This places Addiko Bank AG in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.19. Addiko Bank AG's value of 4.02% is 64.1% below this benchmark. While the company's 10-year median is 4.42 vs. the industry median of 11.19, Addiko 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Addiko Bank AG's current Return-on-Tangible-Equity of 4.02% is 64.1% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Addiko Bank AG and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Addiko Bank AG's current Return-on-Tangible-Equity is 4.02%, which is near median its own 10-year median of 4.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Addiko Bank AG stock overvalued right now?
Based on GuruFocus' analysis, Addiko Bank AG (ADBKF) is currently considered Significantly Overvalued. The stock's GF Value™ is $20.89, compared to a current price of $30.23 — trading 44.7% above its estimated fair value. The current Return-on-Tangible-Equity is 4.02%, which is near median its 10-year median of 4.42 and 64.1% below the Banks industry median of 11.19. Addiko Bank AG's overall GF Score™ is 67/100 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Addiko Bank AG (ADBKF), the current Return-on-Tangible-Equity is 4.02% 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 Addiko Bank AG (ADBKF) Overvalued in 2026?
Based on GuruFocus' analysis, Addiko Bank AG stock appears to be overvalued.
The current stock price of $30.23 is trading 44.7% above its estimated GF Value™ of $20.89.
GuruFocus considers Addiko Bank AG to be Significantly Overvalued.
Key valuation signals for ADBKF:
Return-on-Tangible-Equity: 4.02% (near median its 10-year median of 4.42)
GF Value™: $20.89 vs. price of $30.23 (44.7% above fair value)
Industry Position: 64.1% below the Banks median (#1297 of 1523)
No single metric tells the full story. See the ADBKF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Addiko Bank AG is an international banking group. The company offers direct and term deposits, digital products, and various other services. The company's operating segments include Consumer, SME Business, Mortgage, Large Corporate & Public Finance, and Corporate Center. The company generates the majority of its revenue from the Consumer segment.
67GF Score
Get the complete analysis for ADBKF
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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