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OVB Holding AGHAM:O4B 89 Return-on-Tangible-Equity is 2.25% as of Mar. 2026, which is 86% below its 10-year median of 15.96. GuruFocus rates HAM:O4B with a GF Score™ of 89/100 and a GF Value™ of €23.56. The stock has 6 warning signs investors should review. Among 783 Capital Markets companies, OVB Holding AG ranks better than 60.66% 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. OVB Holding AG's annualized net income for the quarter that ended in Mar. 2026 was €1.7 Mil. OVB Holding AG's average shareholder tangible equity for the quarter that ended in Mar. 2026 was €76.1 Mil. Therefore, OVB Holding AG's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 2.25%.
The historical rank and industry rank for OVB Holding AG's Return-on-Tangible-Equity or its related term are showing as below:
HAM:O4B'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 9.98 Med: 15.96 Max: 23.93
Current: 9.98
During the past 13 years, OVB Holding AG's highest Return-on-Tangible-Equity was 23.93%. The lowest was 9.98%. And the median was 15.96%.
HAM:O4B's Return-on-Tangible-Equity is ranked better than 60.66% of 783
companies
in the Capital Markets industry
Industry Median: 6.45
vs HAM:O4B: 9.98
OVB Holding AG (HAM:O4B) 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.
OVB Holding AG Return-on-Tangible-Equity Related Terms
OVB Holding AG Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for OVB Holding 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.
HAM:O4B vs MS, GS, SCHW: Return-on-Tangible-Equity Comparison
For the Capital Markets subindustry, OVB Holding 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.
OVB Holding AG Return-on-Tangible-Equity vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, OVB Holding AG's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where OVB Holding 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 2.25% mean?
OVB Holding AG (HAM:O4B) has a Return-on-Tangible-Equity of 2.25% 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 OVB Holding AG and its competitors. This is 86% below median its historical median of 15.96. Over the past decade, OVB Holding AG's Return-on-Tangible-Equity has ranged from 9.98 to 23.93. According to the industry distribution chart, OVB Holding AG ranks #308 out of 783 companies in the Capital Markets industry, placing it in the top 39.3%.
Is OVB Holding AG's Return-on-Tangible-Equity too high?
OVB Holding AG's current Return-on-Tangible-Equity of 2.25% is 86% below median its 10-year median of 15.96. Over the past 10 years, this metric has ranged from a low of 9.98 to a high of 23.93. The Capital Markets industry median Return-on-Tangible-Equity is 6.45. OVB Holding AG's value of 2.25% is 65.1% below this industry median. Based on the distribution chart, OVB Holding AG ranks #308 out of 783 companies in the Capital Markets industry, which is above the industry midpoint. Overall, OVB Holding AG has a GF Score™ of 89/100, reflecting its overall financial health beyond just this single metric.
How does OVB Holding AG's Return-on-Tangible-Equity compare to MS and GS?
According to the Capital Markets industry distribution chart, OVB Holding AG ranks #308 out of 783 companies for Return-on-Tangible-Equity. This puts OVB Holding AG in the upper half of its industry. The industry median Return-on-Tangible-Equity is 6.45. OVB Holding AG's value of 2.25% is 65.1% below this benchmark. Historically, OVB Holding AG's own Return-on-Tangible-Equity has ranged from 9.98 to 23.93 over the past decade. While the company's 10-year median is 15.96 vs. the industry median of 6.45, OVB Holding 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 Capital Markets company?
The median Return-on-Tangible-Equity among Capital Markets companies is 6.45, based on 783 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. OVB Holding AG's current Return-on-Tangible-Equity of 2.25% is 65.1% 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 OVB Holding AG and its competitors. For the Capital Markets industry, the median Return-on-Tangible-Equity is 6.45 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OVB Holding AG's current Return-on-Tangible-Equity is 2.25%, which is 86% below median its own 10-year median of 15.96. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is OVB Holding AG stock overvalued right now?
OVB Holding AG (HAM:O4B) has a current Return-on-Tangible-Equity of 2.25%. The stock's GF Value™ is €23.56, compared to a current price of €18.50 — trading 21.5% below its estimated fair value. The current Return-on-Tangible-Equity is 2.25%, which is 86% below median its 10-year median of 15.96 and 65.1% below the Capital Markets industry median of 6.45. OVB Holding AG's overall GF Score™ is 89/100 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 OVB Holding AG (HAM:O4B), the current Return-on-Tangible-Equity is 2.25% 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 OVB Holding AG (HAM:O4B) Overvalued in 2026?
Based on GuruFocus' analysis, OVB Holding AG stock appears to be undervalued.
The current stock price of €18.50 is trading 21.5% below its estimated GF Value™ of €23.56.
Key valuation signals for HAM:O4B:
Return-on-Tangible-Equity: 2.25% (86% below median its 10-year median of 15.96)
GF Value™: €23.56 vs. price of €18.50 (21.5% below fair value)
Industry Position: 65.1% below the Capital Markets median (#308 of 783)
No single metric tells the full story. See the HAM:O4B stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
OVB Holding AG business focuses on providing long-term, comprehensive, and customer-oriented financial advice to private households. The Company activities include the management of entities involved in advisory and brokerage services related to capital investments, building society savings contracts, insurance contracts, and real estate of any kind. Its segments include Central and Eastern Europe, which generates maximum revenue, as well as Germany and Southern and Western Europe.
89GF Score
Get the complete analysis for HAM:O4B
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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