Cihan Bank for Islamic & Finance (IQS:BCIH) Return-on-Tangible-Equity: 1.12% (As of Mar. 2026) — 62% Below Median

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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

IQS:BCIH Cihan Bank for Islamic & Finance IQS:BCIH
67 GF Score
Price ع.د2.05
! 1 Warning Sign
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What is Cihan Bank for Islamic & Finance Return-on-Tangible-Equity?

Cihan Bank for Islamic & Finance IQS:BCIH -6.82% 67 Return-on-Tangible-Equity is 1.12% as of Mar. 2026, which is 62% below its 10-year median of 2.98. GuruFocus rates IQS:BCIH with a GF Score™ of 67/100. The stock has 1 warning sign investors should review.

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. Cihan Bank for Islamic & Finance's annualized net income for the quarter that ended in Mar. 2026 was ع.د5,022 Mil. Cihan Bank for Islamic & Finance's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ع.د447,494 Mil. Therefore, Cihan Bank for Islamic & Finance's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 1.12%.

The historical rank and industry rank for Cihan Bank for Islamic & Finance's Return-on-Tangible-Equity or its related term are showing as below:

IQS:BCIH' s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 1.15   Med: 2.98   Max: 3.21
Current: 2.41

During the past 4 years, Cihan Bank for Islamic & Finance's highest Return-on-Tangible-Equity was 3.21%. The lowest was 1.15%. And the median was 2.98%.

IQS:BCIH's Return-on-Tangible-Equity is not ranked
in the Banks industry.
Industry Median: 11.375 vs IQS:BCIH: 2.41

Cihan Bank for Islamic & Finance  (IQS:BCIH) 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.


Cihan Bank for Islamic & Finance Return-on-Tangible-Equity Related Terms


Cihan Bank for Islamic & Finance Return-on-Tangible-Equity Historical Data

* Premium members only.

The historical data trend for Cihan Bank for Islamic & Finance'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.

Cihan Bank for Islamic & Finance Return-on-Tangible-Equity Chart

Cihan Bank for Islamic & Finance Annual Data
Trend Dec22 Dec23 Dec24 Dec25
Return-on-Tangible-Equity
1.15 2.88 3.08 3.21

Cihan Bank for Islamic & Finance Quarterly Data
Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Return-on-Tangible-Equity Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.27 2.42 2.42 3.04 1.12

IQS:BCIH vs : Return-on-Tangible-Equity Comparison

For the Banks - Regional subindustry, Cihan Bank for Islamic & Finance'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.


Cihan Bank for Islamic & Finance Return-on-Tangible-Equity vs Banks Industry

For the Banks industry and Financial Services sector, Cihan Bank for Islamic & Finance's Return-on-Tangible-Equity distribution charts can be found below:

* The bar in red indicates where Cihan Bank for Islamic & Finance's Return-on-Tangible-Equity falls into.


IQS:BCIH
67GF Score
Cihan Bank for Islamic & Finance IQS:BCIH
Return-on-Tangible-Equity is just one metric. See GF Score™, valuation, warning signs, and more.
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Cihan Bank for Islamic & Finance Return-on-Tangible-Equity Calculation

Cihan Bank for Islamic & Finance's annualized Return-on-Tangible-Equity for the fiscal year that ended in Dec. 2025 is calculated as

Return-on-Tangible-Equity=Net Income/( (Total Tangible Equity+Total Tangible Equity)/ count )
(A: Dec. 2025 )  (A: Dec. 2024 )(A: Dec. 2025 )
=Net Income/( (Total Stockholders Equity - Intangible Assets+Total Stockholders Equity - Intangible Assets )/ count )
(A: Dec. 2025 )  (A: Dec. 2024 )(A: Dec. 2025 )
=21175.871/( (873584.796+446937.37 )/ 2 )
=21175.871/660261.083
=3.21 %

Cihan Bank for Islamic & Finance's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 is calculated as

Return-on-Tangible-Equity=Net Income/( (Total Tangible Equity+Total Tangible Equity)/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=Net Income/( (Total Stockholders Equity - Intangible Assets+Total Stockholders Equity - Intangible Assets)/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=5022.28/( (446937.37+448049.691)/ 2 )
=5022.28/447493.5305
=1.12 %

* 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 1.12% mean?
Cihan Bank for Islamic & Finance (IQS:BCIH) has a Return-on-Tangible-Equity of 1.12% 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 Cihan Bank for Islamic & Finance and its competitors. This is 62% below median its historical median of 2.98. Over the past decade, Cihan Bank for Islamic & Finance's Return-on-Tangible-Equity has ranged from 1.15 to 3.21.
Is Cihan Bank for Islamic & Finance's Return-on-Tangible-Equity too high?
Cihan Bank for Islamic & Finance's current Return-on-Tangible-Equity of 1.12% is 62% below median its 10-year median of 2.98. Over the past 10 years, this metric has ranged from a low of 1.15 to a high of 3.21. The Banks industry median Return-on-Tangible-Equity is 11.38. Cihan Bank for Islamic & Finance's value of 1.12% is 90.2% below this industry median. Overall, Cihan Bank for Islamic & Finance has a GF Score™ of 67/100, reflecting its overall financial health beyond just this single metric.
How does Cihan Bank for Islamic & Finance's Return-on-Tangible-Equity compare to ?
Cihan Bank for Islamic & Finance's Return-on-Tangible-Equity of 1.12% can be compared against companies in the Banks industry. The industry median Return-on-Tangible-Equity is 11.38. Cihan Bank for Islamic & Finance's value of 1.12% is 90.2% below this benchmark. Historically, Cihan Bank for Islamic & Finance's own Return-on-Tangible-Equity has ranged from 1.15 to 3.21 over the past decade. While the company's 10-year median is 2.98 vs. the industry median of 11.38, Cihan Bank for Islamic & Finance 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 11.38, 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. Cihan Bank for Islamic & Finance's current Return-on-Tangible-Equity of 1.12% is 90.2% 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 Cihan Bank for Islamic & Finance and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cihan Bank for Islamic & Finance's current Return-on-Tangible-Equity is 1.12%, which is 62% below median its own 10-year median of 2.98. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cihan Bank for Islamic & Finance stock overvalued right now?
Cihan Bank for Islamic & Finance (IQS:BCIH) has a current Return-on-Tangible-Equity of 1.12%. The current Return-on-Tangible-Equity is 1.12%, which is 62% below median its 10-year median of 2.98 and 90.2% below the Banks industry median of 11.38. Cihan Bank for Islamic & Finance's overall GF Score™ is 67/100 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 Cihan Bank for Islamic & Finance (IQS:BCIH), the current Return-on-Tangible-Equity is 1.12% 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.

Cihan Bank for Islamic & Finance Business Description

Comparable Companies
Address 100m Road, P.O Box: 0116-17, Next to Cihan university, Erbil, IRQ
Cihan Bank for Islamic & Finance is an Islamic bank that practices banking and financial activities in accordance with the principles and provisions of Islamic Sharia.
67GF Score

Get the complete analysis for IQS:BCIH

Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

ع.د2.05
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