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Banco de OccidenteBOG:OCCIDENTE 50 Return-on-Tangible-Equity is 11.30% as of Sep. 2025, which is 16% above its 10-year median of 9.73. GuruFocus rates BOG:OCCIDENTE with a GF Score™ of 50/100 and a GF Value™ of COP19,495.22 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,523 Banks companies, Banco de Occidente ranks worse than 58.31% 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 de Occidente's annualized net income for the quarter that ended in Sep. 2025 was COP609,932 Mil. Banco de Occidente's average shareholder tangible equity for the quarter that ended in Sep. 2025 was COP5,397,810 Mil. Therefore, Banco de Occidente's annualized Return-on-Tangible-Equity for the quarter that ended in Sep. 2025 was 11.30%.
The historical rank and industry rank for Banco de Occidente's Return-on-Tangible-Equity or its related term are showing as below:
BOG:OCCIDENTE'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 7.36 Med: 9.73 Max: 16.42
Current: 9.88
During the past 13 years, Banco de Occidente's highest Return-on-Tangible-Equity was 16.42%. The lowest was 7.36%. And the median was 9.73%.
BOG:OCCIDENTE's Return-on-Tangible-Equity is ranked worse than 58.31% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs BOG:OCCIDENTE: 9.88
Banco de Occidente (BOG:OCCIDENTE) 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 de Occidente Return-on-Tangible-Equity Related Terms
Banco de Occidente Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Banco de Occidente'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.
Banco de Occidente Return-on-Tangible-Equity Chart
BOG:OCCIDENTE vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Banco de Occidente'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 de Occidente Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Banco de Occidente's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Banco de Occidente'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 (Sep. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 11.30% mean?
Banco de Occidente (BOG:OCCIDENTE) has a Return-on-Tangible-Equity of 11.30% as of Sep. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Banco de Occidente and its competitors. This is 16% above median its historical median of 9.73. Over the past decade, Banco de Occidente's Return-on-Tangible-Equity has ranged from 7.36 to 16.42. According to the industry distribution chart, Banco de Occidente ranks #888 out of 1523 companies in the Banks industry, placing it in the top 58.3%.
Is Banco de Occidente's Return-on-Tangible-Equity too high?
Banco de Occidente's current Return-on-Tangible-Equity of 11.30% is 16% above median its 10-year median of 9.73. Over the past 10 years, this metric has ranged from a low of 7.36 to a high of 16.42. The Banks industry median Return-on-Tangible-Equity is 11.20. Banco de Occidente's value of 11.30% is 0.9% above this industry median. Based on the distribution chart, Banco de Occidente ranks #888 out of 1523 companies in the Banks industry, which is below the industry midpoint. Overall, Banco de Occidente has a GF Score™ of 50/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Banco de Occidente's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Banco de Occidente ranks #888 out of 1523 companies for Return-on-Tangible-Equity. This places Banco de Occidente in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.20. Banco de Occidente's value of 11.30% is 0.9% above this benchmark. Historically, Banco de Occidente's own Return-on-Tangible-Equity has ranged from 7.36 to 16.42 over the past decade. While the company's 10-year median is 9.73 vs. the industry median of 11.20, Banco de Occidente 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 de Occidente's current Return-on-Tangible-Equity of 11.30% is 0.9% 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 de Occidente 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 de Occidente's current Return-on-Tangible-Equity is 11.30%, which is 16% above median its own 10-year median of 9.73. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco de Occidente stock overvalued right now?
Based on GuruFocus' analysis, Banco de Occidente (BOG:OCCIDENTE) is currently considered Fairly Valued. The stock's GF Value™ is COP19,495.22, compared to a current price of COP19,800.00 — trading 1.6% above its estimated fair value. The current Return-on-Tangible-Equity is 11.30%, which is 16% above median its 10-year median of 9.73 and 0.9% above the Banks industry median of 11.20. Banco de Occidente's overall GF Score™ is 50/100 with 3 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 de Occidente (BOG:OCCIDENTE), the current Return-on-Tangible-Equity is 11.30% as of Sep. 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 Banco de Occidente (BOG:OCCIDENTE) Overvalued in 2026?
Based on GuruFocus' analysis, Banco de Occidente stock appears to be overvalued.
The current stock price of COP19,800.00 is trading 1.6% above its estimated GF Value™ of COP19,495.22.
GuruFocus considers Banco de Occidente to be Fairly Valued.
Key valuation signals for BOG:OCCIDENTE:
Return-on-Tangible-Equity: 11.30% (16% above median its 10-year median of 9.73)
GF Value™: COP19,495.22 vs. price of COP19,800.00 (1.6% above fair value)
Industry Position: 0.9% above the Banks median (#888 of 1523)
No single metric tells the full story. See the BOG:OCCIDENTE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banco de Occidente SA is a Colombia based banking firm. The company offers personal banking services, including current and savings accounts; debit and credit cards; revolving credit, and credit warrant, as well as business banking products and services.
50GF Score
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