Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Pubali BankDHA:PUBALIBANK +0.27%88 Return-on-Tangible-Equity is 12.39% as of Mar. 2026, which is 0% above its 10-year median of 12.34. GuruFocus rates DHA:PUBALIBANK with a GF Score™ of 88/100 and a GF Value™ of BDT28.57 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,517 Banks companies, Pubali Bank ranks better than 82.53% 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. Pubali Bank's annualized net income for the quarter that ended in Mar. 2026 was BDT8,969 Mil. Pubali Bank's average shareholder tangible equity for the quarter that ended in Mar. 2026 was BDT72,416 Mil. Therefore, Pubali Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 12.39%.
The historical rank and industry rank for Pubali Bank's Return-on-Tangible-Equity or its related term are showing as below:
DHA:PUBALIBANK'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 0.24 Med: 12.34 Max: 17.7
Current: 16.99
During the past 12 years, Pubali Bank's highest Return-on-Tangible-Equity was 17.70%. The lowest was 0.24%. And the median was 12.34%.
DHA:PUBALIBANK's Return-on-Tangible-Equity is ranked better than 82.53% of 1517
companies
in the Banks industry
Industry Median: 11.25
vs DHA:PUBALIBANK: 16.99
Pubali Bank (DHA:PUBALIBANK) 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.
Pubali Bank Return-on-Tangible-Equity Related Terms
Pubali Bank Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Pubali 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.
Pubali Bank Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Pubali 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.
Pubali Bank Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Pubali Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Pubali 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 12.39% mean?
Pubali Bank (DHA:PUBALIBANK) has a Return-on-Tangible-Equity of 12.39% 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 Pubali Bank and its competitors. This is near median its historical median of 12.34. Over the past decade, Pubali Bank's Return-on-Tangible-Equity has ranged from 0.24 to 17.70. According to the industry distribution chart, Pubali Bank ranks #265 out of 1517 companies in the Banks industry, placing it in the top 17.5%.
Is Pubali Bank's Return-on-Tangible-Equity too high?
Pubali Bank's current Return-on-Tangible-Equity of 12.39% is near median its 10-year median of 12.34. Over the past 10 years, this metric has ranged from a low of 0.24 to a high of 17.70. The Banks industry median Return-on-Tangible-Equity is 11.25. Pubali Bank's value of 12.39% is 10.1% above this industry median. Based on the distribution chart, Pubali Bank ranks #265 out of 1517 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Pubali Bank has a GF Score™ of 88/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pubali Bank's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Pubali Bank ranks #265 out of 1517 companies for Return-on-Tangible-Equity. This places Pubali Bank in the top 18% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.25. Pubali Bank's value of 12.39% is 10.1% above this benchmark. Historically, Pubali Bank's own Return-on-Tangible-Equity has ranged from 0.24 to 17.70 over the past decade. While the company's 10-year median is 12.34 vs. the industry median of 11.25, Pubali 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 11.25, based on 1,517 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. Pubali Bank's current Return-on-Tangible-Equity of 12.39% is 10.1% 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 Pubali Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pubali Bank's current Return-on-Tangible-Equity is 12.39%, which is near median its own 10-year median of 12.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pubali Bank stock overvalued right now?
Based on GuruFocus' analysis, Pubali Bank (DHA:PUBALIBANK) is currently considered Significantly Overvalued. The stock's GF Value™ is BDT28.57, compared to a current price of BDT37.40 — trading 30.9% above its estimated fair value. The current Return-on-Tangible-Equity is 12.39%, which is near median its 10-year median of 12.34 and 10.1% above the Banks industry median of 11.25. Pubali Bank's overall GF Score™ is 88/100 with 5 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 Pubali Bank (DHA:PUBALIBANK), the current Return-on-Tangible-Equity is 12.39% 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 Pubali Bank (DHA:PUBALIBANK) Overvalued in 2026?
Based on GuruFocus' analysis, Pubali Bank stock appears to be overvalued.
The current stock price of BDT37.40 is trading 30.9% above its estimated GF Value™ of BDT28.57.
GuruFocus considers Pubali Bank to be Significantly Overvalued.
Key valuation signals for DHA:PUBALIBANK:
Return-on-Tangible-Equity: 12.39% (near median its 10-year median of 12.34)
GF Value™: BDT28.57 vs. price of BDT37.40 (30.9% above fair value)
Industry Position: 10.1% above the Banks median (#265 of 1517)
No single metric tells the full story. See the DHA:PUBALIBANK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pubali Bank PLC provides commercial banking services in Bangladesh. The bank offers deposit products that include savings bank accounts, fixed deposit accounts, short-term deposit accounts, current accounts, pension accounts, and foreign currency accounts. Its business segments are comprised of Conventional Banking, Islamic Banking, Off-shore Banking and Pubali Bank Securities Limited.
88GF Score
Get the complete analysis for DHA:PUBALIBANK
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
DHA:PUBALIBANK has been successfully added to your 
