Oberbank AGFRA:OBK 60 Return-on-Tangible-Equity is 8.38% as of Mar. 2026, which is 2% below its 10-year median of 8.51. GuruFocus rates FRA:OBK with a GF Score™ of 60/100 and a GF Value™ of €76.44 (Fairly Valued). The stock has 8 warning signs investors should review. Among 1,522 Banks companies, Oberbank AG ranks worse than 65.44% 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. Oberbank AG's annualized net income for the quarter that ended in Mar. 2026 was €369.6 Mil. Oberbank AG's average shareholder tangible equity for the quarter that ended in Mar. 2026 was €4,410.5 Mil. Therefore, Oberbank AG's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 8.38%.
The historical rank and industry rank for Oberbank AG's Return-on-Tangible-Equity or its related term are showing as below:
FRA:OBK'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 4.09 Med: 8.51 Max: 10.33
Current: 8.61
During the past 13 years, Oberbank AG's highest Return-on-Tangible-Equity was 10.33%. The lowest was 4.09%. And the median was 8.51%.
FRA:OBK's Return-on-Tangible-Equity is ranked worse than 65.44% of 1522
companies
in the Banks industry
Industry Median: 11.19
vs FRA:OBK: 8.61
Oberbank AG (FRA:OBK) 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.
Oberbank AG Return-on-Tangible-Equity Related Terms
Oberbank AG Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Oberbank AG'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.
FRA:OBK vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Oberbank AG'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.
Oberbank AG Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Oberbank AG's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Oberbank AG'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 8.38% mean?
Oberbank AG (FRA:OBK) has a Return-on-Tangible-Equity of 8.38% 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 Oberbank AG and its competitors. This is near median its historical median of 8.51. Over the past decade, Oberbank AG's Return-on-Tangible-Equity has ranged from 4.09 to 10.33. According to the industry distribution chart, Oberbank AG ranks #996 out of 1522 companies in the Banks industry, placing it in the top 65.4%.
Is Oberbank AG's Return-on-Tangible-Equity too high?
Oberbank AG's current Return-on-Tangible-Equity of 8.38% is near median its 10-year median of 8.51. Over the past 10 years, this metric has ranged from a low of 4.09 to a high of 10.33. The Banks industry median Return-on-Tangible-Equity is 11.19. Oberbank AG's value of 8.38% is 25.1% below this industry median. Based on the distribution chart, Oberbank AG ranks #996 out of 1522 companies in the Banks industry, which is below the industry midpoint. Overall, Oberbank AG has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Oberbank AG's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Oberbank AG ranks #996 out of 1522 companies for Return-on-Tangible-Equity. This places Oberbank AG in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.19. Oberbank AG's value of 8.38% is 25.1% below this benchmark. Historically, Oberbank AG's own Return-on-Tangible-Equity has ranged from 4.09 to 10.33 over the past decade. While the company's 10-year median is 8.51 vs. the industry median of 11.19, Oberbank AG 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 1,522 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. Oberbank AG's current Return-on-Tangible-Equity of 8.38% is 25.1% 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 Oberbank AG 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. Oberbank AG's current Return-on-Tangible-Equity is 8.38%, which is near median its own 10-year median of 8.51. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Oberbank AG stock overvalued right now?
Based on GuruFocus' analysis, Oberbank AG (FRA:OBK) is currently considered Fairly Valued. The stock's GF Value™ is €76.44, compared to a current price of €81.60 — trading 6.8% above its estimated fair value. The current Return-on-Tangible-Equity is 8.38%, which is near median its 10-year median of 8.51 and 25.1% below the Banks industry median of 11.19. Oberbank AG's overall GF Score™ is 60/100 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 Oberbank AG (FRA:OBK), the current Return-on-Tangible-Equity is 8.38% 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 Oberbank AG (FRA:OBK) Overvalued in 2026?
Based on GuruFocus' analysis, Oberbank AG stock appears to be overvalued.
The current stock price of €81.60 is trading 6.8% above its estimated GF Value™ of €76.44.
GuruFocus considers Oberbank AG to be Fairly Valued.
Key valuation signals for FRA:OBK:
Return-on-Tangible-Equity: 8.38% (near median its 10-year median of 8.51)
GF Value™: €76.44 vs. price of €81.60 (6.8% above fair value)
Industry Position: 25.1% below the Banks median (#996 of 1522)
No single metric tells the full story. See the FRA:OBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Oberbank AG provides various banking products and services. The company's operating segments include Corporate and Business Banking, Personal Banking, Financial Markets, and Others. The firm offers services such as corporate and business loans, investment finance, structured finance, export finance, syndicated loans international lending, and payment services. It also offers deposit banking, personal accounts and personal loans, asset management, brokerage, private banking, building and loan association saving, insurance services, as well as card products. The majority of its revenue is derived from Corporate and Business Banking.
60GF Score
Get the complete analysis for FRA:OBK
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
FRA:OBK has been successfully added to your 
