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United BankCAI:UBEE +0.51%19 Return-on-Tangible-Equity is 14.03% as of Mar. 2026, which is 7% below its 10-year median of 15.13. GuruFocus rates CAI:UBEE with a GF Score™ of 19/100. The stock has 4 warning signs investors should review. Among 1,523 Banks companies, United Bank ranks better than 68.55% 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. United Bank's annualized net income for the quarter that ended in Mar. 2026 was E£2,441 Mil. United Bank's average shareholder tangible equity for the quarter that ended in Mar. 2026 was E£17,402 Mil. Therefore, United Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 14.03%.
The historical rank and industry rank for United Bank's Return-on-Tangible-Equity or its related term are showing as below:
CAI:UBEE'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 12.44 Med: 15.13 Max: 21.28
Current: 14.03
During the past 4 years, United Bank's highest Return-on-Tangible-Equity was 21.28%. The lowest was 12.44%. And the median was 15.13%.
CAI:UBEE's Return-on-Tangible-Equity is ranked better than 68.55% of 1523
companies
in the Banks industry
Industry Median: 11.23
vs CAI:UBEE: 14.03
United Bank (CAI:UBEE) 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.
United Bank Return-on-Tangible-Equity Related Terms
United Bank Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for United 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.
CAI:UBEE vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, United 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.
United Bank Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, United Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where United 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 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 14.03% mean?
United Bank (CAI:UBEE) has a Return-on-Tangible-Equity of 14.03% 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 United Bank and its competitors. This is near median its historical median of 15.13. Over the past decade, United Bank's Return-on-Tangible-Equity has ranged from 12.44 to 21.28. According to the industry distribution chart, United Bank ranks #479 out of 1523 companies in the Banks industry, placing it in the top 31.5%.
Is United Bank's Return-on-Tangible-Equity too high?
United Bank's current Return-on-Tangible-Equity of 14.03% is near median its 10-year median of 15.13. Over the past 10 years, this metric has ranged from a low of 12.44 to a high of 21.28. The Banks industry median Return-on-Tangible-Equity is 11.23. United Bank's value of 14.03% is 24.9% above this industry median. Based on the distribution chart, United Bank ranks #479 out of 1523 companies in the Banks industry, which is above the industry midpoint. Overall, United Bank has a GF Score™ of 19/100, reflecting its overall financial health beyond just this single metric.
How does United Bank's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, United Bank ranks #479 out of 1523 companies for Return-on-Tangible-Equity. This puts United Bank in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.23. United Bank's value of 14.03% is 24.9% above this benchmark. Historically, United Bank's own Return-on-Tangible-Equity has ranged from 12.44 to 21.28 over the past decade. While the company's 10-year median is 15.13 vs. the industry median of 11.23, United Bank 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. United Bank's current Return-on-Tangible-Equity of 14.03% is 24.9% 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 United Bank 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. United Bank's current Return-on-Tangible-Equity is 14.03%, which is near median its own 10-year median of 15.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Bank stock overvalued right now?
United Bank (CAI:UBEE) has a current Return-on-Tangible-Equity of 14.03%. The current Return-on-Tangible-Equity is 14.03%, which is near median its 10-year median of 15.13 and 24.9% above the Banks industry median of 11.23. United Bank's overall GF Score™ is 19/100 with 4 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 United Bank (CAI:UBEE), the current Return-on-Tangible-Equity is 14.03% 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.
United Bank is one of the financial service providers in Egypt, recognizable for its staff, core values, outstanding performance, and sustainable growth. Its services include Retail Banking, Microfinance, Corporate Banking, Islamic banking, and Treasury services. geographically it operates in Greater Cairo Alex., Delta & Sinai and Upper Egypt. the company derives maximum revenue from Greater Cairo.
19GF Score
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