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Bac Holding InternationalBOG:BHI +0.56%11 Return-on-Tangible-Equity is 16.93% as of Mar. 2026, which is 33% below its 10-year median of 25.20. GuruFocus rates BOG:BHI with a GF Score™ of 11/100 and a GF Value™ of COP322.04 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 1,523 Banks companies, Bac Holding International ranks better than 93.17% 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. Bac Holding International's annualized net income for the quarter that ended in Mar. 2026 was COP2,093,417 Mil. Bac Holding International's average shareholder tangible equity for the quarter that ended in Mar. 2026 was COP12,364,439 Mil. Therefore, Bac Holding International's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 16.93%.
The historical rank and industry rank for Bac Holding International's Return-on-Tangible-Equity or its related term are showing as below:
BOG:BHI'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 22.27 Med: 25.2 Max: 26.52
Current: 23.32
During the past 5 years, Bac Holding International's highest Return-on-Tangible-Equity was 26.52%. The lowest was 22.27%. And the median was 25.20%.
BOG:BHI's Return-on-Tangible-Equity is ranked better than 93.17% of 1523
companies
in the Banks industry
Industry Median: 11.23
vs BOG:BHI: 23.32
Bac Holding International (BOG:BHI) 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.
Bac Holding International Return-on-Tangible-Equity Related Terms
Bac Holding International Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Bac Holding International'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.
Bac Holding International Return-on-Tangible-Equity Chart
BOG:BHI vs PNC: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Bac Holding International'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.
Bac Holding International Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Bac Holding International's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Bac Holding International'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 16.93% mean?
Bac Holding International (BOG:BHI) has a Return-on-Tangible-Equity of 16.93% 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 Bac Holding International and its competitors. This is 33% below median its historical median of 25.20. Over the past decade, Bac Holding International's Return-on-Tangible-Equity has ranged from 22.27 to 26.52. According to the industry distribution chart, Bac Holding International ranks #104 out of 1523 companies in the Banks industry, placing it in the top 6.8%.
Is Bac Holding International's Return-on-Tangible-Equity too high?
Bac Holding International's current Return-on-Tangible-Equity of 16.93% is 33% below median its 10-year median of 25.20. Over the past 10 years, this metric has ranged from a low of 22.27 to a high of 26.52. The Banks industry median Return-on-Tangible-Equity is 11.23. Bac Holding International's value of 16.93% is 50.8% above this industry median. Based on the distribution chart, Bac Holding International ranks #104 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bac Holding International has a GF Score™ of 11/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bac Holding International's Return-on-Tangible-Equity compare to PNC?
According to the Banks industry distribution chart, Bac Holding International ranks #104 out of 1523 companies for Return-on-Tangible-Equity. This places Bac Holding International in the top 7% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.23. Bac Holding International's value of 16.93% is 50.8% above this benchmark. Historically, Bac Holding International's own Return-on-Tangible-Equity has ranged from 22.27 to 26.52 over the past decade. While the company's 10-year median is 25.20 vs. the industry median of 11.23, Bac Holding International 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 11.23, 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. Bac Holding International's current Return-on-Tangible-Equity of 16.93% is 50.8% 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 Bac Holding International 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. Bac Holding International's current Return-on-Tangible-Equity is 16.93%, which is 33% below median its own 10-year median of 25.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bac Holding International stock overvalued right now?
Based on GuruFocus' analysis, Bac Holding International (BOG:BHI) is currently considered Modestly Overvalued. The stock's GF Value™ is COP322.04, compared to a current price of COP361.00 — trading 12.1% above its estimated fair value. The current Return-on-Tangible-Equity is 16.93%, which is 33% below median its 10-year median of 25.20 and 50.8% above the Banks industry median of 11.23. Bac Holding International's overall GF Score™ is 11/100 with 1 warning sign 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 Bac Holding International (BOG:BHI), the current Return-on-Tangible-Equity is 16.93% 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 Bac Holding International (BOG:BHI) Overvalued in 2026?
Based on GuruFocus' analysis, Bac Holding International stock appears to be overvalued.
The current stock price of COP361.00 is trading 12.1% above its estimated GF Value™ of COP322.04.
GuruFocus considers Bac Holding International to be Modestly Overvalued.
Key valuation signals for BOG:BHI:
Return-on-Tangible-Equity: 16.93% (33% below median its 10-year median of 25.20)
GF Value™: COP322.04 vs. price of COP361.00 (12.1% above fair value)
Industry Position: 50.8% above the Banks median (#104 of 1523)
No single metric tells the full story. See the BOG:BHI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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