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SJF Bank A/SFRA:4AC 49 Return-on-Tangible-Equity is 14.66% as of Mar. 2026, which is 49% above its 10-year median of 9.83. GuruFocus rates FRA:4AC with a GF Score™ of 49/100 and a GF Value™ of €34.83 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,526 Banks companies, SJF Bank A/S ranks better than 56.88% 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. SJF Bank A/S's annualized net income for the quarter that ended in Mar. 2026 was €98.7 Mil. SJF Bank A/S's average shareholder tangible equity for the quarter that ended in Mar. 2026 was €673.4 Mil. Therefore, SJF Bank A/S's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 14.66%.
The historical rank and industry rank for SJF Bank A/S's Return-on-Tangible-Equity or its related term are showing as below:
FRA:4AC'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 7.1 Med: 9.83 Max: 13.77
Current: 12.36
During the past 13 years, SJF Bank A/S's highest Return-on-Tangible-Equity was 13.77%. The lowest was 7.10%. And the median was 9.83%.
FRA:4AC's Return-on-Tangible-Equity is ranked better than 56.88% of 1526
companies
in the Banks industry
Industry Median: 11.195
vs FRA:4AC: 12.36
SJF Bank A/S (FRA:4AC) 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.
SJF Bank A/S Return-on-Tangible-Equity Related Terms
SJF Bank A/S Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for SJF Bank A/S'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.
SJF Bank A/S Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, SJF Bank A/S'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.
SJF Bank A/S Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, SJF Bank A/S's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where SJF Bank A/S'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 14.66% mean?
SJF Bank A/S (FRA:4AC) has a Return-on-Tangible-Equity of 14.66% 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 SJF Bank A/S and its competitors. This is 49% above median its historical median of 9.83. Over the past decade, SJF Bank A/S's Return-on-Tangible-Equity has ranged from 7.10 to 13.77. According to the industry distribution chart, SJF Bank A/S ranks #658 out of 1526 companies in the Banks industry, placing it in the top 43.1%.
Is SJF Bank A/S's Return-on-Tangible-Equity too high?
SJF Bank A/S's current Return-on-Tangible-Equity of 14.66% is 49% above median its 10-year median of 9.83. Over the past 10 years, this metric has ranged from a low of 7.10 to a high of 13.77. The Banks industry median Return-on-Tangible-Equity is 11.20. SJF Bank A/S's value of 14.66% is 31% above this industry median. Based on the distribution chart, SJF Bank A/S ranks #658 out of 1526 companies in the Banks industry, which is above the industry midpoint. Overall, SJF Bank A/S has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SJF Bank A/S's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, SJF Bank A/S ranks #658 out of 1526 companies for Return-on-Tangible-Equity. This puts SJF Bank A/S in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.20. SJF Bank A/S's value of 14.66% is 31% above this benchmark. Historically, SJF Bank A/S's own Return-on-Tangible-Equity has ranged from 7.10 to 13.77 over the past decade. While the company's 10-year median is 9.83 vs. the industry median of 11.20, SJF Bank A/S 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 1,526 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. SJF Bank A/S's current Return-on-Tangible-Equity of 14.66% is 31% 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 SJF Bank A/S 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. SJF Bank A/S's current Return-on-Tangible-Equity is 14.66%, which is 49% above median its own 10-year median of 9.83. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SJF Bank A/S stock overvalued right now?
Based on GuruFocus' analysis, SJF Bank A/S (FRA:4AC) is currently considered Significantly Overvalued. The stock's GF Value™ is €34.83, compared to a current price of €53.50 — trading 53.6% above its estimated fair value. The current Return-on-Tangible-Equity is 14.66%, which is 49% above median its 10-year median of 9.83 and 31% above the Banks industry median of 11.20. SJF Bank A/S's overall GF Score™ is 49/100 with 8 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 SJF Bank A/S (FRA:4AC), the current Return-on-Tangible-Equity is 14.66% 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 SJF Bank A/S (FRA:4AC) Overvalued in 2026?
Based on GuruFocus' analysis, SJF Bank A/S stock appears to be overvalued.
The current stock price of €53.50 is trading 53.6% above its estimated GF Value™ of €34.83.
GuruFocus considers SJF Bank A/S to be Significantly Overvalued.
Key valuation signals for FRA:4AC:
Return-on-Tangible-Equity: 14.66% (49% above median its 10-year median of 9.83)
GF Value™: €34.83 vs. price of €53.50 (53.6% above fair value)
Industry Position: 31% above the Banks median (#658 of 1526)
No single metric tells the full story. See the FRA:4AC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SJF Bank A/S provides banking products and services in Denmark. Its products and services include net banking, commercial insurance, mobile banking, rental of commercial lease, financing, insurance and pension.
49GF Score
Get the complete analysis for FRA:4AC
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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