North Pacific BankFRA:2PT +2.70%62 Return-on-Tangible-Equity is 5.47% as of Mar. 2026, which is 66% above its 10-year median of 3.29. GuruFocus rates FRA:2PT with a GF Score™ of 62/100 and a GF Value™ of €3.80. The stock has 6 warning signs investors should review. Among 1,521 Banks companies, North Pacific Bank ranks worse than 75.15% 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. North Pacific Bank's annualized net income for the quarter that ended in Mar. 2026 was €113 Mil. North Pacific Bank's average shareholder tangible equity for the quarter that ended in Mar. 2026 was €2,067 Mil. Therefore, North Pacific Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 5.47%.
The historical rank and industry rank for North Pacific Bank's Return-on-Tangible-Equity or its related term are showing as below:
FRA:2PT'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 1.88 Med: 3.29 Max: 6.93
Current: 6.79
During the past 13 years, North Pacific Bank's highest Return-on-Tangible-Equity was 6.93%. The lowest was 1.88%. And the median was 3.29%.
FRA:2PT's Return-on-Tangible-Equity is ranked worse than 75.15% of 1521
companies
in the Banks industry
Industry Median: 11.19
vs FRA:2PT: 6.79
North Pacific Bank (FRA:2PT) 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.
North Pacific Bank Return-on-Tangible-Equity Related Terms
North Pacific Bank Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for North Pacific 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.
North Pacific Bank Return-on-Tangible-Equity Chart
North Pacific Bank Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, North Pacific 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.
North Pacific Bank Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, North Pacific Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where North Pacific 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 5.47% mean?
North Pacific Bank (FRA:2PT) has a Return-on-Tangible-Equity of 5.47% 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 North Pacific Bank and its competitors. This is 66% above median its historical median of 3.29. Over the past decade, North Pacific Bank's Return-on-Tangible-Equity has ranged from 1.88 to 6.93. According to the industry distribution chart, North Pacific Bank ranks #1143 out of 1521 companies in the Banks industry, placing it in the top 75.1%.
Is North Pacific Bank's Return-on-Tangible-Equity too high?
North Pacific Bank's current Return-on-Tangible-Equity of 5.47% is 66% above median its 10-year median of 3.29. Over the past 10 years, this metric has ranged from a low of 1.88 to a high of 6.93. The Banks industry median Return-on-Tangible-Equity is 11.19. North Pacific Bank's value of 5.47% is 51.1% below this industry median. Based on the distribution chart, North Pacific Bank ranks #1143 out of 1521 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, North Pacific Bank has a GF Score™ of 62/100, reflecting its overall financial health beyond just this single metric.
How does North Pacific Bank's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, North Pacific Bank ranks #1143 out of 1521 companies for Return-on-Tangible-Equity. This places North Pacific Bank in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.19. North Pacific Bank's value of 5.47% is 51.1% below this benchmark. Historically, North Pacific Bank's own Return-on-Tangible-Equity has ranged from 1.88 to 6.93 over the past decade. While the company's 10-year median is 3.29 vs. the industry median of 11.19, North Pacific 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 11.19, based on 1,521 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. North Pacific Bank's current Return-on-Tangible-Equity of 5.47% is 51.1% 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 North Pacific Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. North Pacific Bank's current Return-on-Tangible-Equity is 5.47%, which is 66% above median its own 10-year median of 3.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is North Pacific Bank stock overvalued right now?
North Pacific Bank (FRA:2PT) has a current Return-on-Tangible-Equity of 5.47%. The stock's GF Value™ is €3.80, compared to a current price of €5.70 — trading 50% above its estimated fair value. The current Return-on-Tangible-Equity is 5.47%, which is 66% above median its 10-year median of 3.29 and 51.1% below the Banks industry median of 11.19. North Pacific Bank's overall GF Score™ is 62/100 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 North Pacific Bank (FRA:2PT), the current Return-on-Tangible-Equity is 5.47% 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 North Pacific Bank (FRA:2PT) Overvalued in 2026?
Based on GuruFocus' analysis, North Pacific Bank stock appears to be overvalued.
The current stock price of €5.70 is trading 50% above its estimated GF Value™ of €3.80.
Key valuation signals for FRA:2PT:
Return-on-Tangible-Equity: 5.47% (66% above median its 10-year median of 3.29)
GF Value™: €3.80 vs. price of €5.70 (50% above fair value)
Industry Position: 51.1% below the Banks median (#1143 of 1521)
No single metric tells the full story. See the FRA:2PT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
North Pacific Bank Ltd is engaged in the provision of banking products and services. The firm offers time deposit, reserve deposit, government/ public bonds, asset management support services, smartphone-based services, including real-time updates on account balances and transactions, including deposits and withdrawals, along with cashless payment based on QR codes.
62GF Score
Get the complete analysis for FRA:2PT
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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