BNK BankingASX:BBC 29 Return-on-Tangible-Equity is 0.71% as of Dec. 2025, which is 196% above its 10-year median of 0.24. GuruFocus rates ASX:BBC with a GF Score™ of 29/100 and a GF Value™ of A$0.50 (Possible Value Trap). The stock has 2 warning signs investors should review. Among 1,525 Banks companies, BNK Banking ranks worse than 93.84% 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. BNK Banking's annualized net income for the quarter that ended in Dec. 2025 was A$0.84 Mil. BNK Banking's average shareholder tangible equity for the quarter that ended in Dec. 2025 was A$118.50 Mil. Therefore, BNK Banking's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 0.71%.
The historical rank and industry rank for BNK Banking's Return-on-Tangible-Equity or its related term are showing as below:
ASX:BBC'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -5.63 Med: 0.24 Max: 44.74
Current: 1.17
During the past 13 years, BNK Banking's highest Return-on-Tangible-Equity was 44.74%. The lowest was -5.63%. And the median was 0.24%.
ASX:BBC's Return-on-Tangible-Equity is ranked worse than 93.84% of 1525
companies
in the Banks industry
Industry Median: 11.21
vs ASX:BBC: 1.17
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.
BNK Banking Return-on-Tangible-Equity Related Terms
BNK Banking Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for BNK Banking'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.
ASX:BBC vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, BNK Banking'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.
BNK Banking Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, BNK Banking's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where BNK Banking'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 two times the semi-annual (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 0.71% mean?
BNK Banking (ASX:BBC) has a Return-on-Tangible-Equity of 0.71% 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 BNK Banking and its competitors. This is 196% above median its historical median of 0.24. According to the industry distribution chart, BNK Banking ranks #1431 out of 1525 companies in the Banks industry, placing it in the top 93.8%.
Is BNK Banking's Return-on-Tangible-Equity too high?
BNK Banking's current Return-on-Tangible-Equity of 0.71% is 196% above median its 10-year median of 0.24. The Banks industry median Return-on-Tangible-Equity is 11.21. BNK Banking's value of 0.71% is 93.7% below this industry median. Based on the distribution chart, BNK Banking ranks #1431 out of 1525 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, BNK Banking has a GF Score™ of 29/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does BNK Banking's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, BNK Banking ranks #1431 out of 1525 companies for Return-on-Tangible-Equity. This places BNK Banking in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.21. BNK Banking's value of 0.71% is 93.7% below this benchmark. While the company's 10-year median is 0.24 vs. the industry median of 11.21, BNK Banking 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 11.21, based on 1,525 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. BNK Banking's current Return-on-Tangible-Equity of 0.71% is 93.7% 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 BNK Banking and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BNK Banking's current Return-on-Tangible-Equity is 0.71%, which is 196% above median its own 10-year median of 0.24. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BNK Banking stock overvalued right now?
Based on GuruFocus' analysis, BNK Banking (ASX:BBC) is currently considered Possible Value Trap. The stock's GF Value™ is A$0.50, compared to a current price of A$0.27 — trading 47% below its estimated fair value. The current Return-on-Tangible-Equity is 0.71%, which is 196% above median its 10-year median of 0.24 and 93.7% below the Banks industry median of 11.21. BNK Banking's overall GF Score™ is 29/100 with 2 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 BNK Banking (ASX:BBC), the current Return-on-Tangible-Equity is 0.71% 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 BNK Banking (ASX:BBC) Overvalued in 2026?
Based on GuruFocus' analysis, BNK Banking stock appears to be undervalued.
The current stock price of A$0.27 is trading 47% below its estimated GF Value™ of A$0.50.
GuruFocus considers BNK Banking to be Possible Value Trap.
Key valuation signals for ASX:BBC:
Return-on-Tangible-Equity: 0.71% (196% above median its 10-year median of 0.24)
GF Value™: A$0.50 vs. price of A$0.27 (47% below fair value)
Industry Position: 93.7% below the Banks median (#1431 of 1525)
No single metric tells the full story. See the ASX:BBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BNK Banking Corp Ltd is engaged in the provision of a range of banking products and services to existing and new customers. The company offers a range of loan products, including home loans, personal loans, car loans, and business loans. It also offers a range of savings and investments, including transaction and savings accounts and term deposits. The company offers general and health insurance. It offers deposit accounts, including General Savings Accounts and Business Accounts. It generates maximum revenue from the Banking segment.
29GF Score
Get the complete analysis for ASX:BBC
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ASX:BBC has been successfully added to your 
