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Alandsbanken ABPLTS:0O2M 64 Return-on-Tangible-Equity is 12.49% as of Jun. 2026, which is 1% above its 10-year median of 12.36. GuruFocus rates LTS:0O2M with a GF Score™ of 64/100 and a GF Value™ of €40.89 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,518 Banks companies, Alandsbanken ABP ranks better than 76.81% 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. Alandsbanken ABP's annualized net income for the quarter that ended in Jun. 2026 was €38.4 Mil. Alandsbanken ABP's average shareholder tangible equity for the quarter that ended in Jun. 2026 was €307.5 Mil. Therefore, Alandsbanken ABP's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2026 was 12.49%.
The historical rank and industry rank for Alandsbanken ABP's Return-on-Tangible-Equity or its related term are showing as below:
LTS:0O2M'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 9.62 Med: 12.36 Max: 16.61
Current: 15.54
During the past 13 years, Alandsbanken ABP's highest Return-on-Tangible-Equity was 16.61%. The lowest was 9.62%. And the median was 12.36%.
LTS:0O2M's Return-on-Tangible-Equity is ranked better than 76.81% of 1518
companies
in the Banks industry
Industry Median: 11.27
vs LTS:0O2M: 15.54
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.
Alandsbanken ABP Return-on-Tangible-Equity Related Terms
Alandsbanken ABP Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Alandsbanken ABP'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.
LTS:0O2M vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Alandsbanken ABP'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.
Alandsbanken ABP Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Alandsbanken ABP's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Alandsbanken ABP'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 (Jun. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 12.49% mean?
Alandsbanken ABP (LTS:0O2M) has a Return-on-Tangible-Equity of 12.49% as of Jun. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Alandsbanken ABP and its competitors. This is near median its historical median of 12.36. Over the past decade, Alandsbanken ABP's Return-on-Tangible-Equity has ranged from 9.62 to 16.61. According to the industry distribution chart, Alandsbanken ABP ranks #352 out of 1518 companies in the Banks industry, placing it in the top 23.2%.
Is Alandsbanken ABP's Return-on-Tangible-Equity too high?
Alandsbanken ABP's current Return-on-Tangible-Equity of 12.49% is near median its 10-year median of 12.36. Over the past 10 years, this metric has ranged from a low of 9.62 to a high of 16.61. The Banks industry median Return-on-Tangible-Equity is 11.27. Alandsbanken ABP's value of 12.49% is 10.8% above this industry median. Based on the distribution chart, Alandsbanken ABP ranks #352 out of 1518 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Alandsbanken ABP has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Alandsbanken ABP's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Alandsbanken ABP ranks #352 out of 1518 companies for Return-on-Tangible-Equity. This places Alandsbanken ABP in the top 23% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.27. Alandsbanken ABP's value of 12.49% is 10.8% above this benchmark. Historically, Alandsbanken ABP's own Return-on-Tangible-Equity has ranged from 9.62 to 16.61 over the past decade. While the company's 10-year median is 12.36 vs. the industry median of 11.27, Alandsbanken ABP 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 11.27, based on 1,518 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. Alandsbanken ABP's current Return-on-Tangible-Equity of 12.49% is 10.8% 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 Alandsbanken ABP and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Alandsbanken ABP's current Return-on-Tangible-Equity is 12.49%, which is near median its own 10-year median of 12.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Alandsbanken ABP stock overvalued right now?
Based on GuruFocus' analysis, Alandsbanken ABP (LTS:0O2M) is currently considered Modestly Overvalued. The stock's GF Value™ is €40.89, compared to a current price of €45.90 — trading 12.3% above its estimated fair value. The current Return-on-Tangible-Equity is 12.49%, which is near median its 10-year median of 12.36 and 10.8% above the Banks industry median of 11.27. Alandsbanken ABP's overall GF Score™ is 64/100 with 3 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 Alandsbanken ABP (LTS:0O2M), the current Return-on-Tangible-Equity is 12.49% as of Jun. 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 Alandsbanken ABP (LTS:0O2M) Overvalued in 2026?
Based on GuruFocus' analysis, Alandsbanken ABP stock appears to be overvalued.
The current stock price of €45.90 is trading 12.3% above its estimated GF Value™ of €40.89.
GuruFocus considers Alandsbanken ABP to be Modestly Overvalued.
Key valuation signals for LTS:0O2M:
Return-on-Tangible-Equity: 12.49% (near median its 10-year median of 12.36)
GF Value™: €40.89 vs. price of €45.90 (12.3% above fair value)
Industry Position: 10.8% above the Banks median (#352 of 1518)
No single metric tells the full story. See the LTS:0O2M stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Alandsbanken ABP is a private banking operator based in Finland. The services offered by the company include Accounts, Insurance, Loans, Digital services, Basic banking services, and Invest and Save among others. The reportable segments of the company are Private Banking, Premium Banking, IT, Corporate and others. The Private Banking segment generates the majority of its revenue followed by Premium banking. Geographically, the company operates in Finland and Sweden in which Finland generates key revenue.
64GF Score
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