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National Bank of Umm Al-Qaiwain PSCADX:NBQ 56 Return-on-Tangible-Equity is 9.48% as of Mar. 2026, which is 7% above its 10-year median of 8.88. GuruFocus rates ADX:NBQ with a GF Score™ of 56/100 and a GF Value™ of د.إ2.60 (Modestly Overvalued). Among 1,523 Banks companies, National Bank of Umm Al-Qaiwain PSC ranks worse than 64.74% on this metric.
The historical rank and industry rank for National Bank of Umm Al-Qaiwain PSC's Return-on-Tangible-Equity or its related term are showing as below:
ADX:NBQ'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 4.47 Med: 8.88 Max: 9.47
Current: 8.73
During the past 13 years, National Bank of Umm Al-Qaiwain PSC's highest Return-on-Tangible-Equity was 9.47%. The lowest was 4.47%. And the median was 8.88%.
ADX:NBQ's Return-on-Tangible-Equity is ranked worse than 64.74% of 1523
companies
in the Banks industry
Industry Median: 11.23
vs ADX:NBQ: 8.73
National Bank of Umm Al-Qaiwain PSC (ADX:NBQ) 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.
National Bank of Umm Al-Qaiwain PSC Return-on-Tangible-Equity Related Terms
National Bank of Umm Al-Qaiwain PSC Return-on-Tangible-Equity 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.
National Bank of Umm Al-Qaiwain PSC Return-on-Tangible-Equity Chart
National Bank of Umm Al-Qaiwain PSC Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, National Bank of Umm Al-Qaiwain 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.
National Bank of Umm Al-Qaiwain PSC Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, National Bank of Umm Al-Qaiwain PSC's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where National Bank of Umm Al-Qaiwain 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 9.48% mean?
National Bank of Umm Al-Qaiwain PSC (ADX:NBQ) has a Return-on-Tangible-Equity of 9.48% 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 National Bank of Umm Al-Qaiwain PSC and its competitors. This is near median its historical median of 8.88. Over the past decade, National Bank of Umm Al-Qaiwain PSC's Return-on-Tangible-Equity has ranged from 4.47 to 9.47. According to the industry distribution chart, National Bank of Umm Al-Qaiwain PSC ranks #986 out of 1523 companies in the Banks industry, placing it in the top 64.7%.
Is National Bank of Umm Al-Qaiwain PSC's Return-on-Tangible-Equity too high?
National Bank of Umm Al-Qaiwain PSC's current Return-on-Tangible-Equity of 9.48% is near median its 10-year median of 8.88. Over the past 10 years, this metric has ranged from a low of 4.47 to a high of 9.47. The Banks industry median Return-on-Tangible-Equity is 11.23. National Bank of Umm Al-Qaiwain PSC's value of 9.48% is 15.6% below this industry median. Based on the distribution chart, National Bank of Umm Al-Qaiwain PSC ranks #986 out of 1523 companies in the Banks industry, which is below the industry midpoint. Overall, National Bank of Umm Al-Qaiwain PSC has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Bank of Umm Al-Qaiwain PSC's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, National Bank of Umm Al-Qaiwain PSC ranks #986 out of 1523 companies for Return-on-Tangible-Equity. This places National Bank of Umm Al-Qaiwain PSC in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.23. National Bank of Umm Al-Qaiwain PSC's value of 9.48% is 15.6% below this benchmark. Historically, National Bank of Umm Al-Qaiwain PSC's own Return-on-Tangible-Equity has ranged from 4.47 to 9.47 over the past decade. While the company's 10-year median is 8.88 vs. the industry median of 11.23, National Bank of Umm Al-Qaiwain PSC 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 11.23, 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. National Bank of Umm Al-Qaiwain PSC's current Return-on-Tangible-Equity of 9.48% is 15.6% 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 National Bank of Umm Al-Qaiwain PSC and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Bank of Umm Al-Qaiwain PSC's current Return-on-Tangible-Equity is 9.48%, which is near median its own 10-year median of 8.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Bank of Umm Al-Qaiwain PSC stock overvalued right now?
Based on GuruFocus' analysis, National Bank of Umm Al-Qaiwain PSC (ADX:NBQ) is currently considered Modestly Overvalued. The stock's GF Value™ is د.إ2.60, compared to a current price of د.إ2.93 — trading 12.7% above its estimated fair value. The current Return-on-Tangible-Equity is 9.48%, which is near median its 10-year median of 8.88 and 15.6% below the Banks industry median of 11.23. National Bank of Umm Al-Qaiwain PSC's overall GF Score™ is 56/100. 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 National Bank of Umm Al-Qaiwain PSC (ADX:NBQ), the current Return-on-Tangible-Equity is 9.48% 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 National Bank of Umm Al-Qaiwain PSC (ADX:NBQ) Overvalued in 2026?
Based on GuruFocus' analysis, National Bank of Umm Al-Qaiwain PSC stock appears to be overvalued.
The current stock price of د.إ2.93 is trading 12.7% above its estimated GF Value™ of د.إ2.60.
GuruFocus considers National Bank of Umm Al-Qaiwain PSC to be Modestly Overvalued.
Key valuation signals for ADX:NBQ:
Return-on-Tangible-Equity: 9.48% (near median its 10-year median of 8.88)
GF Value™: د.إ2.60 vs. price of د.إ2.93 (12.7% above fair value)
Industry Position: 15.6% below the Banks median (#986 of 1523)
No single metric tells the full story. See the ADX:NBQ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
National Bank of Umm Al-Qaiwain PSC Business Description
National Bank of Umm Al-Qaiwain PSC provides banking services. The company operates in these segments: Retail and Corporate Banking, Treasury and Investments, and others. The majority of its revenue comes from the Treasury and Investments segment, which comprises dealing room-related money markets, and foreign exchange transactions with other banks and financial institutions.
56GF Score
Get the complete analysis for ADX:NBQ
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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