Bank of Sharjah PSCADX:BOS -0.85%30 Return-on-Tangible-Equity is 12.90% as of Mar. 2026, which is 361% above its 10-year median of 2.80. GuruFocus rates ADX:BOS with a GF Score™ of 30/100 and a GF Value™ of د.إ1.55 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,523 Banks companies, Bank of Sharjah PSC ranks better than 83.91% 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. Bank of Sharjah PSC's annualized net income for the quarter that ended in Mar. 2026 was د.إ605 Mil. Bank of Sharjah PSC's average shareholder tangible equity for the quarter that ended in Mar. 2026 was د.إ4,689 Mil. Therefore, Bank of Sharjah PSC's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 12.90%.
The historical rank and industry rank for Bank of Sharjah PSC's Return-on-Tangible-Equity or its related term are showing as below:
ADX:BOS'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -21.51 Med: 2.8 Max: 17.53
Current: 17.53
During the past 13 years, Bank of Sharjah PSC's highest Return-on-Tangible-Equity was 17.53%. The lowest was -21.51%. And the median was 2.80%.
ADX:BOS's Return-on-Tangible-Equity is ranked better than 83.91% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs ADX:BOS: 17.53
Bank of Sharjah PSC (ADX:BOS) 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.
Bank of Sharjah PSC Return-on-Tangible-Equity Related Terms
Bank of Sharjah PSC Return-on-Tangible-Equity Historical Data
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The historical data trend for Bank of Sharjah PSC'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.
Bank of Sharjah PSC Return-on-Tangible-Equity Chart
Bank of Sharjah PSC Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Bank of Sharjah PSC'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.
Bank of Sharjah PSC Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Bank of Sharjah PSC's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Bank of Sharjah PSC'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 (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 12.90% mean?
Bank of Sharjah PSC (ADX:BOS) has a Return-on-Tangible-Equity of 12.90% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Bank of Sharjah PSC and its competitors. This is 361% above median its historical median of 2.80. According to the industry distribution chart, Bank of Sharjah PSC ranks #245 out of 1523 companies in the Banks industry, placing it in the top 16.1%.
Is Bank of Sharjah PSC's Return-on-Tangible-Equity too high?
Bank of Sharjah PSC's current Return-on-Tangible-Equity of 12.90% is 361% above median its 10-year median of 2.80. The Banks industry median Return-on-Tangible-Equity is 11.20. Bank of Sharjah PSC's value of 12.90% is 15.2% above this industry median. Based on the distribution chart, Bank of Sharjah PSC ranks #245 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bank of Sharjah PSC has a GF Score™ of 30/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Bank of Sharjah PSC's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Bank of Sharjah PSC ranks #245 out of 1523 companies for Return-on-Tangible-Equity. This places Bank of Sharjah PSC in the top 16% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.20. Bank of Sharjah PSC's value of 12.90% is 15.2% above this benchmark. While the company's 10-year median is 2.80 vs. the industry median of 11.20, Bank of Sharjah PSC 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, 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. Bank of Sharjah PSC's current Return-on-Tangible-Equity of 12.90% is 15.2% 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-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 Bank of Sharjah PSC and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of Sharjah PSC's current Return-on-Tangible-Equity is 12.90%, which is 361% above median its own 10-year median of 2.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of Sharjah PSC stock overvalued right now?
Based on GuruFocus' analysis, Bank of Sharjah PSC (ADX:BOS) is currently considered Modestly Undervalued. The stock's GF Value™ is د.إ1.55, compared to a current price of د.إ1.17 — trading 24.5% below its estimated fair value. The current Return-on-Tangible-Equity is 12.90%, which is 361% above median its 10-year median of 2.80 and 15.2% above the Banks industry median of 11.20. Bank of Sharjah PSC's overall GF Score™ is 30/100 with 3 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 Bank of Sharjah PSC (ADX:BOS), the current Return-on-Tangible-Equity is 12.90% as of Mar. 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 Bank of Sharjah PSC (ADX:BOS) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of Sharjah PSC stock appears to be undervalued.
The current stock price of د.إ1.17 is trading 24.5% below its estimated GF Value™ of د.إ1.55.
GuruFocus considers Bank of Sharjah PSC to be Modestly Undervalued.
Key valuation signals for ADX:BOS:
Return-on-Tangible-Equity: 12.90% (361% above median its 10-year median of 2.80)
GF Value™: د.إ1.55 vs. price of د.إ1.17 (24.5% below fair value)
Industry Position: 15.2% above the Banks median (#245 of 1523)
No single metric tells the full story. See the ADX:BOS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank of Sharjah PSC provides commercial and investment banking services. It operates through eight branches in the United Arab Emirates located in the Emirates of Sharjah, Dubai, Abu Dhabi, and the City of Al Ain. It is organized into two segments namely, Commercial Banking and Investment banking. The company provides loans and other credit facilities, deposits and current accounts for corporate, government, institutional and individual customers. It earns a majority of its revenue from commercial banking services.
30GF Score
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