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Trust BankDHA:TRUSTBANK +0.64%73 Return-on-Tangible-Equity is 3.76% as of Mar. 2026, which is 74% below its 10-year median of 14.57. GuruFocus rates DHA:TRUSTBANK with a GF Score™ of 73/100 and a GF Value™ of BDT21.77 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 1,526 Banks companies, Trust Bank ranks better than 54.98% 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. Trust Bank's annualized net income for the quarter that ended in Mar. 2026 was BDT1,078 Mil. Trust Bank's average shareholder tangible equity for the quarter that ended in Mar. 2026 was BDT28,654 Mil. Therefore, Trust Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 3.76%.
The historical rank and industry rank for Trust Bank's Return-on-Tangible-Equity or its related term are showing as below:
DHA:TRUSTBANK'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 11.03 Med: 14.57 Max: 19.79
Current: 12.08
During the past 11 years, Trust Bank's highest Return-on-Tangible-Equity was 19.79%. The lowest was 11.03%. And the median was 14.57%.
DHA:TRUSTBANK's Return-on-Tangible-Equity is ranked better than 54.98% of 1526
companies
in the Banks industry
Industry Median: 11.205
vs DHA:TRUSTBANK: 12.08
Trust Bank (DHA:TRUSTBANK) 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.
Trust Bank Return-on-Tangible-Equity Related Terms
Trust Bank Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Trust 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.
Trust Bank Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Trust 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.
Trust Bank Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Trust Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Trust 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 3.76% mean?
Trust Bank (DHA:TRUSTBANK) has a Return-on-Tangible-Equity of 3.76% 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 Trust Bank and its competitors. This is 74% below median its historical median of 14.57. Over the past decade, Trust Bank's Return-on-Tangible-Equity has ranged from 11.03 to 19.79. According to the industry distribution chart, Trust Bank ranks #687 out of 1526 companies in the Banks industry, placing it in the top 45%.
Is Trust Bank's Return-on-Tangible-Equity too high?
Trust Bank's current Return-on-Tangible-Equity of 3.76% is 74% below median its 10-year median of 14.57. Over the past 10 years, this metric has ranged from a low of 11.03 to a high of 19.79. The Banks industry median Return-on-Tangible-Equity is 11.21. Trust Bank's value of 3.76% is 66.4% below this industry median. Based on the distribution chart, Trust Bank ranks #687 out of 1526 companies in the Banks industry, which is above the industry midpoint. Overall, Trust Bank has a GF Score™ of 73/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Trust Bank's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Trust Bank ranks #687 out of 1526 companies for Return-on-Tangible-Equity. This puts Trust Bank in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.21. Trust Bank's value of 3.76% is 66.4% below this benchmark. Historically, Trust Bank's own Return-on-Tangible-Equity has ranged from 11.03 to 19.79 over the past decade. While the company's 10-year median is 14.57 vs. the industry median of 11.21, Trust 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 11.21, based on 1,526 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. Trust Bank's current Return-on-Tangible-Equity of 3.76% is 66.4% 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 Trust Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Trust Bank's current Return-on-Tangible-Equity is 3.76%, which is 74% below median its own 10-year median of 14.57. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Trust Bank stock overvalued right now?
Based on GuruFocus' analysis, Trust Bank (DHA:TRUSTBANK) is currently considered Modestly Undervalued. The stock's GF Value™ is BDT21.77, compared to a current price of BDT15.80 — trading 27.4% below its estimated fair value. The current Return-on-Tangible-Equity is 3.76%, which is 74% below median its 10-year median of 14.57 and 66.4% below the Banks industry median of 11.21. Trust Bank's overall GF Score™ is 73/100 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 Trust Bank (DHA:TRUSTBANK), the current Return-on-Tangible-Equity is 3.76% 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 Trust Bank (DHA:TRUSTBANK) Overvalued in 2026?
Based on GuruFocus' analysis, Trust Bank stock appears to be undervalued.
The current stock price of BDT15.80 is trading 27.4% below its estimated GF Value™ of BDT21.77.
GuruFocus considers Trust Bank to be Modestly Undervalued.
Key valuation signals for DHA:TRUSTBANK:
Return-on-Tangible-Equity: 3.76% (74% below median its 10-year median of 14.57)
GF Value™: BDT21.77 vs. price of BDT15.80 (27.4% below fair value)
Industry Position: 66.4% below the Banks median (#687 of 1526)
No single metric tells the full story. See the DHA:TRUSTBANK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Trust Bank PLC is a full-service commercial bank. The Bank offers a wide range of banking products and services, such as Retail banking, SME banking, Islamic banking, corporate banking, and international banking, among others. The bank provides a range of banking services that include deposit banking, loans & advances, export-import financing, and national & international remittance facilities, issuing debit and credit cards, SMS banking, internet banking, call center, dealing in government securities, etc.
73GF Score
Get the complete analysis for DHA:TRUSTBANK
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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