Safwa Islamic BankAMM:SIBK +2.52%14 Return-on-Tangible-Equity is 13.84% as of Mar. 2026, which is 47% above its 10-year median of 9.39. GuruFocus rates AMM:SIBK with a GF Score™ of 14/100. The stock has 5 warning signs investors should review. Among 1,523 Banks companies, Safwa Islamic Bank ranks better than 63.95% 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. Safwa Islamic Bank's annualized net income for the quarter that ended in Mar. 2026 was JOD32.8 Mil. Safwa Islamic Bank's average shareholder tangible equity for the quarter that ended in Mar. 2026 was JOD236.8 Mil. Therefore, Safwa Islamic Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 13.84%.
The historical rank and industry rank for Safwa Islamic Bank's Return-on-Tangible-Equity or its related term are showing as below:
AMM:SIBK'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 4.27 Med: 9.39 Max: 14.81
Current: 13.41
During the past 13 years, Safwa Islamic Bank's highest Return-on-Tangible-Equity was 14.81%. The lowest was 4.27%. And the median was 9.39%.
AMM:SIBK's Return-on-Tangible-Equity is ranked better than 63.95% of 1523
companies
in the Banks industry
Industry Median: 11.19
vs AMM:SIBK: 13.41
Safwa Islamic Bank (AMM:SIBK) 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.
Safwa Islamic Bank Return-on-Tangible-Equity Related Terms
Safwa Islamic Bank Return-on-Tangible-Equity Historical Data
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The historical data trend for Safwa Islamic Bank'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.
Safwa Islamic Bank Return-on-Tangible-Equity Chart
Safwa Islamic Bank Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Safwa Islamic Bank'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.
Safwa Islamic Bank Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Safwa Islamic Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Safwa Islamic Bank'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 13.84% mean?
Safwa Islamic Bank (AMM:SIBK) has a Return-on-Tangible-Equity of 13.84% 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 Safwa Islamic Bank and its competitors. This is 47% above median its historical median of 9.39. Over the past decade, Safwa Islamic Bank's Return-on-Tangible-Equity has ranged from 4.27 to 14.81. According to the industry distribution chart, Safwa Islamic Bank ranks #549 out of 1523 companies in the Banks industry, placing it in the top 36%.
Is Safwa Islamic Bank's Return-on-Tangible-Equity too high?
Safwa Islamic Bank's current Return-on-Tangible-Equity of 13.84% is 47% above median its 10-year median of 9.39. Over the past 10 years, this metric has ranged from a low of 4.27 to a high of 14.81. The Banks industry median Return-on-Tangible-Equity is 11.19. Safwa Islamic Bank's value of 13.84% is 23.7% above this industry median. Based on the distribution chart, Safwa Islamic Bank ranks #549 out of 1523 companies in the Banks industry, which is above the industry midpoint. Overall, Safwa Islamic Bank has a GF Score™ of 14/100, reflecting its overall financial health beyond just this single metric.
How does Safwa Islamic Bank's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Safwa Islamic Bank ranks #549 out of 1523 companies for Return-on-Tangible-Equity. This puts Safwa Islamic Bank in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.19. Safwa Islamic Bank's value of 13.84% is 23.7% above this benchmark. Historically, Safwa Islamic Bank's own Return-on-Tangible-Equity has ranged from 4.27 to 14.81 over the past decade. While the company's 10-year median is 9.39 vs. the industry median of 11.19, Safwa Islamic Bank 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 11.19, 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. Safwa Islamic Bank's current Return-on-Tangible-Equity of 13.84% is 23.7% 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 Safwa Islamic Bank 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. Safwa Islamic Bank's current Return-on-Tangible-Equity is 13.84%, which is 47% above median its own 10-year median of 9.39. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Safwa Islamic Bank stock overvalued right now?
Safwa Islamic Bank (AMM:SIBK) has a current Return-on-Tangible-Equity of 13.84%. The current Return-on-Tangible-Equity is 13.84%, which is 47% above median its 10-year median of 9.39 and 23.7% above the Banks industry median of 11.19. Safwa Islamic Bank's overall GF Score™ is 14/100 with 5 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 Safwa Islamic Bank (AMM:SIBK), the current Return-on-Tangible-Equity is 13.84% 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.
Safwa Islamic Bank provides Islamic banking and financial services in accordance with Shari'a principles on a non-interest basis. The Bank offers financial banking and structured investment services and operates through three business sectors: Retail Accounts, which manages unrestricted investment accounts, deferred sales receivables, financings, and related retail services; Corporate Accounts, which handles similar services for corporate customers; and Treasury, which is responsible for brokerage services, treasury activities, and the management of the Bank's funds. The Bank operates within the Kingdom and across other Middle Eastern countries, as well as in Europe, Asia, Africa, America, and other international markets.
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