Ringkjoebing Landbobank ASLTS:0RPR 84 Return-on-Tangible-Equity is 22.26% as of Mar. 2026, which is 36% above its 10-year median of 16.31. GuruFocus rates LTS:0RPR with a GF Score™ of 84/100 and a GF Value™ of kr567.09 (Fairly Valued). The stock has 8 warning signs investors should review. Among 1,523 Banks companies, Ringkjoebing Landbobank AS ranks better than 92.06% 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. Ringkjoebing Landbobank AS's annualized net income for the quarter that ended in Mar. 2026 was kr2,341 Mil. Ringkjoebing Landbobank AS's average shareholder tangible equity for the quarter that ended in Mar. 2026 was kr10,515 Mil. Therefore, Ringkjoebing Landbobank AS's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 22.26%.
The historical rank and industry rank for Ringkjoebing Landbobank AS's Return-on-Tangible-Equity or its related term are showing as below:
LTS:0RPR'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 13.34 Med: 16.31 Max: 24.37
Current: 22.08
During the past 13 years, Ringkjoebing Landbobank AS's highest Return-on-Tangible-Equity was 24.37%. The lowest was 13.34%. And the median was 16.31%.
LTS:0RPR's Return-on-Tangible-Equity is ranked better than 92.06% of 1523
companies
in the Banks industry
Industry Median: 11.19
vs LTS:0RPR: 22.08
Ringkjoebing Landbobank AS (LTS:0RPR) 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.
Ringkjoebing Landbobank AS Return-on-Tangible-Equity Related Terms
Ringkjoebing Landbobank AS Return-on-Tangible-Equity Historical Data
* 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.
Ringkjoebing Landbobank AS Return-on-Tangible-Equity Chart
Ringkjoebing Landbobank AS Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Ringkjoebing Landbobank 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.
Ringkjoebing Landbobank AS Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Ringkjoebing Landbobank AS's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Ringkjoebing Landbobank 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 22.26% mean?
Ringkjoebing Landbobank AS (LTS:0RPR) has a Return-on-Tangible-Equity of 22.26% 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 Ringkjoebing Landbobank AS and its competitors. This is 36% above median its historical median of 16.31. Over the past decade, Ringkjoebing Landbobank AS's Return-on-Tangible-Equity has ranged from 13.34 to 24.37. According to the industry distribution chart, Ringkjoebing Landbobank AS ranks #121 out of 1523 companies in the Banks industry, placing it in the top 7.9%.
Is Ringkjoebing Landbobank AS's Return-on-Tangible-Equity too high?
Ringkjoebing Landbobank AS's current Return-on-Tangible-Equity of 22.26% is 36% above median its 10-year median of 16.31. Over the past 10 years, this metric has ranged from a low of 13.34 to a high of 24.37. The Banks industry median Return-on-Tangible-Equity is 11.19. Ringkjoebing Landbobank AS's value of 22.26% is 98.9% above this industry median. Based on the distribution chart, Ringkjoebing Landbobank AS ranks #121 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Ringkjoebing Landbobank AS has a GF Score™ of 84/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Ringkjoebing Landbobank AS's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Ringkjoebing Landbobank AS ranks #121 out of 1523 companies for Return-on-Tangible-Equity. This places Ringkjoebing Landbobank AS in the top 8% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.19. Ringkjoebing Landbobank AS's value of 22.26% is 98.9% above this benchmark. Historically, Ringkjoebing Landbobank AS's own Return-on-Tangible-Equity has ranged from 13.34 to 24.37 over the past decade. While the company's 10-year median is 16.31 vs. the industry median of 11.19, Ringkjoebing Landbobank AS 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 11.19, based on 1,523 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. Ringkjoebing Landbobank AS's current Return-on-Tangible-Equity of 22.26% is 98.9% 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 Ringkjoebing Landbobank AS 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. Ringkjoebing Landbobank AS's current Return-on-Tangible-Equity is 22.26%, which is 36% above median its own 10-year median of 16.31. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ringkjoebing Landbobank AS stock overvalued right now?
Based on GuruFocus' analysis, Ringkjoebing Landbobank AS (LTS:0RPR) is currently considered Fairly Valued. The stock's GF Value™ is kr567.09, compared to a current price of kr614.00 — trading 8.3% above its estimated fair value. The current Return-on-Tangible-Equity is 22.26%, which is 36% above median its 10-year median of 16.31 and 98.9% above the Banks industry median of 11.19. Ringkjoebing Landbobank AS's overall GF Score™ is 84/100 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 Ringkjoebing Landbobank AS (LTS:0RPR), the current Return-on-Tangible-Equity is 22.26% 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 Ringkjoebing Landbobank AS (LTS:0RPR) Overvalued in 2026?
Based on GuruFocus' analysis, Ringkjoebing Landbobank AS stock appears to be overvalued.
The current stock price of kr614.00 is trading 8.3% above its estimated GF Value™ of kr567.09.
GuruFocus considers Ringkjoebing Landbobank AS to be Fairly Valued.
Key valuation signals for LTS:0RPR:
Return-on-Tangible-Equity: 22.26% (36% above median its 10-year median of 16.31)
GF Value™: kr567.09 vs. price of kr614.00 (8.3% above fair value)
Industry Position: 98.9% above the Banks median (#121 of 1523)
No single metric tells the full story. See the LTS:0RPR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ringkjoebing Landbobank AS operates as a universal bank serving retail, private, corporate, and SME clients mainly in Jutland, with online banking nationwide. It offers deposits, loans, mortgages, pensions, investments, insurance, and leasing in Denmark. The majority of the bank's income is derived from net interest income. Maximum of the bank's net fees, commissions, and foreign exchange income are derived from asset management, followed by guarantee commissions, securities trading, and custody accounts. The services offered are Online banking, Mobile banking, MasterCard, MobilePay, Currency calculator, Block card, MitID etc.
84GF Score
Get the complete analysis for LTS:0RPR
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