APS BankMAL:APS +3.57%21 Return-on-Tangible-Equity is 7.51% as of Dec. 2025, which is 13% above its 10-year median of 6.64. GuruFocus rates MAL:APS with a GF Score™ of 21/100 and a GF Value™ of €0.61 (Fairly Valued). The stock has 7 warning signs investors should review. Among 1,523 Banks companies, APS Bank ranks worse than 81.09% 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. APS Bank's annualized net income for the quarter that ended in Dec. 2025 was €22.62 Mil. APS Bank's average shareholder tangible equity for the quarter that ended in Dec. 2025 was €301.25 Mil. Therefore, APS Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 7.51%.
The historical rank and industry rank for APS Bank's Return-on-Tangible-Equity or its related term are showing as below:
MAL:APS'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 3.75 Med: 6.64 Max: 8.06
Current: 5.53
During the past 5 years, APS Bank's highest Return-on-Tangible-Equity was 8.06%. The lowest was 3.75%. And the median was 6.64%.
MAL:APS's Return-on-Tangible-Equity is ranked worse than 81.09% of 1523
companies
in the Banks industry
Industry Median: 11.19
vs MAL:APS: 5.53
APS Bank (MAL:APS) 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.
APS Bank Return-on-Tangible-Equity Related Terms
APS Bank Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for APS Bank'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.
MAL:APS vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, APS Bank'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.
APS Bank Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, APS Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where APS Bank'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 two times the semi-annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 7.51% mean?
APS Bank (MAL:APS) has a Return-on-Tangible-Equity of 7.51% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on APS Bank and its competitors. This is 13% above median its historical median of 6.64. Over the past decade, APS Bank's Return-on-Tangible-Equity has ranged from 3.75 to 8.06. According to the industry distribution chart, APS Bank ranks #1235 out of 1523 companies in the Banks industry, placing it in the top 81.1%.
Is APS Bank's Return-on-Tangible-Equity too high?
APS Bank's current Return-on-Tangible-Equity of 7.51% is 13% above median its 10-year median of 6.64. Over the past 10 years, this metric has ranged from a low of 3.75 to a high of 8.06. The Banks industry median Return-on-Tangible-Equity is 11.19. APS Bank's value of 7.51% is 32.9% below this industry median. Based on the distribution chart, APS Bank ranks #1235 out of 1523 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, APS Bank has a GF Score™ of 21/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does APS Bank's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, APS Bank ranks #1235 out of 1523 companies for Return-on-Tangible-Equity. This places APS Bank in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.19. APS Bank's value of 7.51% is 32.9% below this benchmark. Historically, APS Bank's own Return-on-Tangible-Equity has ranged from 3.75 to 8.06 over the past decade. While the company's 10-year median is 6.64 vs. the industry median of 11.19, APS Bank 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 11.19, 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. APS Bank's current Return-on-Tangible-Equity of 7.51% is 32.9% 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 APS Bank 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. APS Bank's current Return-on-Tangible-Equity is 7.51%, which is 13% above median its own 10-year median of 6.64. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is APS Bank stock overvalued right now?
Based on GuruFocus' analysis, APS Bank (MAL:APS) is currently considered Fairly Valued. The stock's GF Value™ is €0.61, compared to a current price of €0.58 — trading 4.9% below its estimated fair value. The current Return-on-Tangible-Equity is 7.51%, which is 13% above median its 10-year median of 6.64 and 32.9% below the Banks industry median of 11.19. APS Bank's overall GF Score™ is 21/100 with 7 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 APS Bank (MAL:APS), the current Return-on-Tangible-Equity is 7.51% as of Dec. 2025. 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 APS Bank (MAL:APS) Overvalued in 2026?
Based on GuruFocus' analysis, APS Bank stock appears to be undervalued.
The current stock price of €0.58 is trading 4.9% below its estimated GF Value™ of €0.61.
GuruFocus considers APS Bank to be Fairly Valued.
Key valuation signals for MAL:APS:
Return-on-Tangible-Equity: 7.51% (13% above median its 10-year median of 6.64)
GF Value™: €0.61 vs. price of €0.58 (4.9% below fair value)
Industry Position: 32.9% below the Banks median (#1235 of 1523)
No single metric tells the full story. See the MAL:APS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
APS Bank Ltd offers various personal banking and other financial products and services, including savings accounts, insurance and investment products, home loans, and personal loans, among others. It also caters to the banking needs of corporate customers. The company, along with its subsidiaries, operates in four reportable segments: Retail, Commercial, Investment Services, and Liquidity Management and Structured Loans. Maximum revenue is generated from the Retail segment, which offers various products and services to meet the personal banking needs of individual customers. This includes home loans, personal loans, overdraft facilities, deposit products, and other general banking activities.
21GF Score
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