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Fynske Bank ASLTS:0QIE 48 Return-on-Tangible-Equity is 4.54% as of Mar. 2026, which is 40% below its 10-year median of 7.52. GuruFocus rates LTS:0QIE with a GF Score™ of 48/100 and a GF Value™ of kr153.64 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,521 Banks companies, Fynske Bank AS ranks worse than 78.17% 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. Fynske Bank AS's annualized net income for the quarter that ended in Mar. 2026 was kr67.2 Mil. Fynske Bank AS's average shareholder tangible equity for the quarter that ended in Mar. 2026 was kr1,481.2 Mil. Therefore, Fynske Bank AS's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 4.54%.
The historical rank and industry rank for Fynske Bank AS's Return-on-Tangible-Equity or its related term are showing as below:
LTS:0QIE'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 2.52 Med: 7.52 Max: 12.21
Current: 6.2
During the past 13 years, Fynske Bank AS's highest Return-on-Tangible-Equity was 12.21%. The lowest was 2.52%. And the median was 7.52%.
LTS:0QIE's Return-on-Tangible-Equity is ranked worse than 78.17% of 1521
companies
in the Banks industry
Industry Median: 11.24
vs LTS:0QIE: 6.20
Fynske Bank AS (LTS:0QIE) 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.
Fynske Bank AS Return-on-Tangible-Equity Related Terms
Fynske Bank AS Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Fynske Bank AS'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.
Fynske Bank AS Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Fynske Bank AS'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.
Fynske Bank AS Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Fynske Bank AS's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Fynske Bank AS'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 4.54% mean?
Fynske Bank AS (LTS:0QIE) has a Return-on-Tangible-Equity of 4.54% 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 Fynske Bank AS and its competitors. This is 40% below median its historical median of 7.52. Over the past decade, Fynske Bank AS's Return-on-Tangible-Equity has ranged from 2.52 to 12.21. According to the industry distribution chart, Fynske Bank AS ranks #1189 out of 1521 companies in the Banks industry, placing it in the top 78.2%.
Is Fynske Bank AS's Return-on-Tangible-Equity too high?
Fynske Bank AS's current Return-on-Tangible-Equity of 4.54% is 40% below median its 10-year median of 7.52. Over the past 10 years, this metric has ranged from a low of 2.52 to a high of 12.21. The Banks industry median Return-on-Tangible-Equity is 11.24. Fynske Bank AS's value of 4.54% is 59.6% below this industry median. Based on the distribution chart, Fynske Bank AS ranks #1189 out of 1521 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Fynske Bank AS has a GF Score™ of 48/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Fynske Bank AS's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Fynske Bank AS ranks #1189 out of 1521 companies for Return-on-Tangible-Equity. This places Fynske Bank AS in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.24. Fynske Bank AS's value of 4.54% is 59.6% below this benchmark. Historically, Fynske Bank AS's own Return-on-Tangible-Equity has ranged from 2.52 to 12.21 over the past decade. While the company's 10-year median is 7.52 vs. the industry median of 11.24, Fynske Bank AS 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 11.24, based on 1,521 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. Fynske Bank AS's current Return-on-Tangible-Equity of 4.54% is 59.6% 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 Fynske Bank AS and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fynske Bank AS's current Return-on-Tangible-Equity is 4.54%, which is 40% below median its own 10-year median of 7.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fynske Bank AS stock overvalued right now?
Based on GuruFocus' analysis, Fynske Bank AS (LTS:0QIE) is currently considered Modestly Overvalued. The stock's GF Value™ is kr153.64, compared to a current price of kr187.50 — trading 22% above its estimated fair value. The current Return-on-Tangible-Equity is 4.54%, which is 40% below median its 10-year median of 7.52 and 59.6% below the Banks industry median of 11.24. Fynske Bank AS's overall GF Score™ is 48/100 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 Fynske Bank AS (LTS:0QIE), the current Return-on-Tangible-Equity is 4.54% 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 Fynske Bank AS (LTS:0QIE) Overvalued in 2026?
Based on GuruFocus' analysis, Fynske Bank AS stock appears to be overvalued.
The current stock price of kr187.50 is trading 22% above its estimated GF Value™ of kr153.64.
GuruFocus considers Fynske Bank AS to be Modestly Overvalued.
Key valuation signals for LTS:0QIE:
Return-on-Tangible-Equity: 4.54% (40% below median its 10-year median of 7.52)
GF Value™: kr153.64 vs. price of kr187.50 (22% above fair value)
Industry Position: 59.6% below the Banks median (#1189 of 1521)
No single metric tells the full story. See the LTS:0QIE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Fynske Bank AS is a well-consolidated local bank that provides financial products, advice, and related services to private customers as well as small and medium-sized businesses on Funen and in East Jutland, thereby creating development, sustainable growth, increased financial awareness, and a financial return for the local community, customers, employees, and owners. The Group is divided into the segments of leasing and traditional banking.
48GF Score
Get the complete analysis for LTS:0QIE
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