Banco del BajioBBAJF 82 Return-on-Tangible-Equity is 16.95% as of Mar. 2026, which is 11% below its 10-year median of 19.01. GuruFocus rates BBAJF with a GF Score™ of 82/100 and a GF Value™ of $3.04 (Fairly Valued). The stock has 8 warning signs investors should review. Among 1,523 Banks companies, Banco del Bajio ranks better than 86.21% 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. Banco del Bajio's annualized net income for the quarter that ended in Mar. 2026 was $453 Mil. Banco del Bajio's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $2,672 Mil. Therefore, Banco del Bajio's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 16.95%.
The historical rank and industry rank for Banco del Bajio's Return-on-Tangible-Equity or its related term are showing as below:
BBAJF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 10.36 Med: 19.01 Max: 28.53
Current: 18.43
During the past 13 years, Banco del Bajio's highest Return-on-Tangible-Equity was 28.53%. The lowest was 10.36%. And the median was 19.01%.
BBAJF's Return-on-Tangible-Equity is ranked better than 86.21% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs BBAJF: 18.43
Banco del Bajio (OTCPK:BBAJF) 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.
Banco del Bajio Return-on-Tangible-Equity Related Terms
Banco del Bajio Return-on-Tangible-Equity Historical Data
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The historical data trend for Banco del Bajio'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.
BBAJF vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Banco del Bajio'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.
Banco del Bajio Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Banco del Bajio's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Banco del Bajio'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 16.95% mean?
Banco del Bajio (BBAJF) has a Return-on-Tangible-Equity of 16.95% 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 Banco del Bajio and its competitors. This is 11% below median its historical median of 19.01. Over the past decade, Banco del Bajio's Return-on-Tangible-Equity has ranged from 10.36 to 28.53. According to the industry distribution chart, Banco del Bajio ranks #210 out of 1523 companies in the Banks industry, placing it in the top 13.8%.
Is Banco del Bajio's Return-on-Tangible-Equity too high?
Banco del Bajio's current Return-on-Tangible-Equity of 16.95% is 11% below median its 10-year median of 19.01. Over the past 10 years, this metric has ranged from a low of 10.36 to a high of 28.53. The Banks industry median Return-on-Tangible-Equity is 11.20. Banco del Bajio's value of 16.95% is 51.3% above this industry median. Based on the distribution chart, Banco del Bajio ranks #210 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Banco del Bajio has a GF Score™ of 82/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Banco del Bajio's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Banco del Bajio ranks #210 out of 1523 companies for Return-on-Tangible-Equity. This places Banco del Bajio in the top 14% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.20. Banco del Bajio's value of 16.95% is 51.3% above this benchmark. Historically, Banco del Bajio's own Return-on-Tangible-Equity has ranged from 10.36 to 28.53 over the past decade. While the company's 10-year median is 19.01 vs. the industry median of 11.20, Banco del Bajio 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. Banco del Bajio's current Return-on-Tangible-Equity of 16.95% is 51.3% 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 Banco del Bajio 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. Banco del Bajio's current Return-on-Tangible-Equity is 16.95%, which is 11% below median its own 10-year median of 19.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco del Bajio stock overvalued right now?
Based on GuruFocus' analysis, Banco del Bajio (BBAJF) is currently considered Fairly Valued. The stock's GF Value™ is $3.04, compared to a current price of $3.10 — trading 2% above its estimated fair value. The current Return-on-Tangible-Equity is 16.95%, which is 11% below median its 10-year median of 19.01 and 51.3% above the Banks industry median of 11.20. Banco del Bajio's overall GF Score™ is 82/100 with 8 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 Banco del Bajio (BBAJF), the current Return-on-Tangible-Equity is 16.95% 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 Banco del Bajio (BBAJF) Overvalued in 2026?
Based on GuruFocus' analysis, Banco del Bajio stock appears to be overvalued.
The current stock price of $3.10 is trading 2% above its estimated GF Value™ of $3.04.
GuruFocus considers Banco del Bajio to be Fairly Valued.
Key valuation signals for BBAJF:
Return-on-Tangible-Equity: 16.95% (11% below median its 10-year median of 19.01)
GF Value™: $3.04 vs. price of $3.10 (2% above fair value)
Industry Position: 51.3% above the Banks median (#210 of 1523)
No single metric tells the full story. See the BBAJF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banco del Bajio SA is a Mexico based company engaged in the provision of full-banking services. Its activities include receiving deposits, accepting loans, granting loans, operations with securities, trust agreements, and financial factoring and leasing operations. The business segments of the company are Banking and credit transactions, Rediscounted transactions, Treasury transactions and other segments. It derives a majority of the revenue from the Banking and credit transactions activities segment. The bank operates majorly in Mexico.
82GF Score
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