CFG BankCAS:CFG +0.26%33 Return-on-Tangible-Equity is 27.19% as of Dec. 2025, which is 93% above its 10-year median of 14.10. GuruFocus rates CAS:CFG with a GF Score™ of 33/100. The stock has 1 warning sign investors should review. Among 1,525 Banks companies, CFG Bank ranks better than 95.08% 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. CFG Bank's annualized net income for the quarter that ended in Dec. 2025 was MAD379 Mil. CFG Bank's average shareholder tangible equity for the quarter that ended in Dec. 2025 was MAD1,395 Mil. Therefore, CFG Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 27.19%.
The historical rank and industry rank for CFG Bank's Return-on-Tangible-Equity or its related term are showing as below:
CAS:CFG'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -6.95 Med: 14.1 Max: 27.12
Current: 27.12
During the past 6 years, CFG Bank's highest Return-on-Tangible-Equity was 27.12%. The lowest was -6.95%. And the median was 14.10%.
CAS:CFG's Return-on-Tangible-Equity is ranked better than 95.08% of 1525
companies
in the Banks industry
Industry Median: 11.2
vs CAS:CFG: 27.12
CFG Bank (CAS:CFG) 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.
CFG Bank Return-on-Tangible-Equity Related Terms
CFG Bank Return-on-Tangible-Equity Historical Data
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The historical data trend for CFG 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.
CAS:CFG vs JPM, BAC, WFC: Return-on-Tangible-Equity Comparison
For the Banks - Diversified subindustry, CFG 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.
CFG Bank Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, CFG Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where CFG 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 27.19% mean?
CFG Bank (CAS:CFG) has a Return-on-Tangible-Equity of 27.19% 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 CFG Bank and its competitors. This is 93% above median its historical median of 14.10. According to the industry distribution chart, CFG Bank ranks #75 out of 1525 companies in the Banks industry, placing it in the top 4.9%.
Is CFG Bank's Return-on-Tangible-Equity too high?
CFG Bank's current Return-on-Tangible-Equity of 27.19% is 93% above median its 10-year median of 14.10. The Banks industry median Return-on-Tangible-Equity is 11.20. CFG Bank's value of 27.19% is 142.8% above this industry median. Based on the distribution chart, CFG Bank ranks #75 out of 1525 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, CFG Bank has a GF Score™ of 33/100, reflecting its overall financial health beyond just this single metric.
How does CFG Bank's Return-on-Tangible-Equity compare to JPM and BAC?
According to the Banks industry distribution chart, CFG Bank ranks #75 out of 1525 companies for Return-on-Tangible-Equity. This places CFG Bank in the top 5% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.20. CFG Bank's value of 27.19% is 142.8% above this benchmark. While the company's 10-year median is 14.10 vs. the industry median of 11.20, CFG 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 11.20, based on 1,525 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. CFG Bank's current Return-on-Tangible-Equity of 27.19% is 142.8% 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 CFG 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. CFG Bank's current Return-on-Tangible-Equity is 27.19%, which is 93% above median its own 10-year median of 14.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CFG Bank stock overvalued right now?
CFG Bank (CAS:CFG) has a current Return-on-Tangible-Equity of 27.19%. The current Return-on-Tangible-Equity is 27.19%, which is 93% above median its 10-year median of 14.10 and 142.8% above the Banks industry median of 11.20. CFG Bank's overall GF Score™ is 33/100 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 CFG Bank (CAS:CFG), the current Return-on-Tangible-Equity is 27.19% 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.
CFG Bank is a financial services company which has organized itself around of the four main business lines of investment banking: corporate finance, stock market, asset management on behalf of third parties, investment capital.
33GF Score
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