Bendigo and Adelaide BankBXRBF 55 Return-on-Tangible-Equity is 8.91% as of Dec. 2025, which is 15% below its 10-year median of 10.45. GuruFocus rates BXRBF with a GF Scoreâ„¢ of 55/100 and a GF Valueâ„¢ of $8.34 (Modestly Undervalued). The stock has 6 warning signs investors should review. Among 1,523 Banks companies, Bendigo and Adelaide Bank ranks worse than 96.65% 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. Bendigo and Adelaide Bank's annualized net income for the quarter that ended in Dec. 2025 was $306 Mil. Bendigo and Adelaide Bank's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $3,438 Mil. Therefore, Bendigo and Adelaide Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 8.91%.
The historical rank and industry rank for Bendigo and Adelaide Bank's Return-on-Tangible-Equity or its related term are showing as below:
BXRBF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -1.87 Med: 10.45 Max: 12.15
Current: -1.6
During the past 13 years, Bendigo and Adelaide Bank's highest Return-on-Tangible-Equity was 12.15%. The lowest was -1.87%. And the median was 10.45%.
BXRBF's Return-on-Tangible-Equity is ranked worse than 96.65% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs BXRBF: -1.60
Bendigo and Adelaide Bank (OTCPK:BXRBF) 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.
Bendigo and Adelaide Bank Return-on-Tangible-Equity Related Terms
Bendigo and Adelaide Bank Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Bendigo and Adelaide 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.
Bendigo and Adelaide Bank Return-on-Tangible-Equity Chart
BXRBF vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Bendigo and Adelaide 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.
Bendigo and Adelaide Bank Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Bendigo and Adelaide Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Bendigo and Adelaide 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 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 8.91% mean?
Bendigo and Adelaide Bank (BXRBF) has a Return-on-Tangible-Equity of 8.91% 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 Bendigo and Adelaide Bank and its competitors. This is 15% below median its historical median of 10.45. According to the industry distribution chart, Bendigo and Adelaide Bank ranks #1472 out of 1523 companies in the Banks industry, placing it in the top 96.7%.
Is Bendigo and Adelaide Bank's Return-on-Tangible-Equity too high?
Bendigo and Adelaide Bank's current Return-on-Tangible-Equity of 8.91% is 15% below median its 10-year median of 10.45. The Banks industry median Return-on-Tangible-Equity is 11.20. Bendigo and Adelaide Bank's value of 8.91% is 20.4% below this industry median. Based on the distribution chart, Bendigo and Adelaide Bank ranks #1472 out of 1523 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Bendigo and Adelaide Bank has a GF Scoreâ„¢ of 55/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Bendigo and Adelaide Bank's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Bendigo and Adelaide Bank ranks #1472 out of 1523 companies for Return-on-Tangible-Equity. This places Bendigo and Adelaide Bank in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.20. Bendigo and Adelaide Bank's value of 8.91% is 20.4% below this benchmark. While the company's 10-year median is 10.45 vs. the industry median of 11.20, Bendigo and Adelaide Bank 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 11.20, 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. Bendigo and Adelaide Bank's current Return-on-Tangible-Equity of 8.91% is 20.4% 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 Bendigo and Adelaide Bank 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. Bendigo and Adelaide Bank's current Return-on-Tangible-Equity is 8.91%, which is 15% below median its own 10-year median of 10.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bendigo and Adelaide Bank stock overvalued right now?
Based on GuruFocus' analysis, Bendigo and Adelaide Bank (BXRBF) is currently considered Modestly Undervalued. The stock's GF Value™ is $8.34, compared to a current price of $7.32 — trading 12.2% below its estimated fair value. The current Return-on-Tangible-Equity is 8.91%, which is 15% below median its 10-year median of 10.45 and 20.4% below the Banks industry median of 11.20. Bendigo and Adelaide Bank's overall GF Score™ is 55/100 with 6 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 Bendigo and Adelaide Bank (BXRBF), the current Return-on-Tangible-Equity is 8.91% 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 Bendigo and Adelaide Bank (BXRBF) Overvalued in 2026?
Based on GuruFocus' analysis, Bendigo and Adelaide Bank stock appears to be undervalued.
The current stock price of $7.32 is trading 12.2% below its estimated GF Value™ of $8.34.
GuruFocus considers Bendigo and Adelaide Bank to be Modestly Undervalued.
Key valuation signals for BXRBF:
Return-on-Tangible-Equity: 8.91% (15% below median its 10-year median of 10.45)
GF Value™: $8.34 vs. price of $7.32 (12.2% below fair value)
Industry Position: 20.4% below the Banks median (#1472 of 1523)
No single metric tells the full story. See the BXRBF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Founded in 1858 as the Bendigo Building Society as a leading regional bank operating in the consumer, small-business, and rural banking sectors, Bendigo gained public goodwill after rolling out branches in locations deserted by major banks in the late 1990s and early 2000s. The Adelaide Bank merger in 2007 diversified the bank into wholesale banking, while expanding the geographical footprint. It is a conservatively managed retail bank with a long history, a well-regarded retail franchise, and high levels of customer and shareholder loyalty.
55GF Score
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Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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