Metro Bank HoldingsMTRBF 44 Return-on-Tangible-Equity is 3.27% as of Dec. 2025. GuruFocus rates MTRBF with a GF Score™ of 44/100 and a GF Value™ of $0.90 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,521 Banks companies, Metro Bank Holdings ranks worse than 86.72% 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. Metro Bank Holdings's annualized net income for the quarter that ended in Dec. 2025 was $58.9 Mil. Metro Bank Holdings's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $1,798.5 Mil. Therefore, Metro Bank Holdings's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 3.27%.
The historical rank and industry rank for Metro Bank Holdings's Return-on-Tangible-Equity or its related term are showing as below:
MTRBF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -27.17 Med: -0.93 Max: 4.37
Current: 4.22
During the past 13 years, Metro Bank Holdings's highest Return-on-Tangible-Equity was 4.37%. The lowest was -27.17%. And the median was -0.93%.
MTRBF's Return-on-Tangible-Equity is ranked worse than 86.72% of 1521
companies
in the Banks industry
Industry Median: 11.19
vs MTRBF: 4.22
Metro Bank Holdings (OTCPK:MTRBF) 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.
Metro Bank Holdings Return-on-Tangible-Equity Related Terms
Metro Bank Holdings Return-on-Tangible-Equity Historical Data
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The historical data trend for Metro Bank Holdings'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.
Metro Bank Holdings Return-on-Tangible-Equity Chart
Metro Bank Holdings Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Metro Bank Holdings'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.
Metro Bank Holdings Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Metro Bank Holdings's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Metro Bank Holdings'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 3.27% mean?
Metro Bank Holdings (MTRBF) has a Return-on-Tangible-Equity of 3.27% 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 Metro Bank Holdings and its competitors. According to the industry distribution chart, Metro Bank Holdings ranks #1319 out of 1521 companies in the Banks industry, placing it in the top 86.7%.
Is Metro Bank Holdings' Return-on-Tangible-Equity too high?
Metro Bank Holdings' current Return-on-Tangible-Equity is 3.27%. The Banks industry median Return-on-Tangible-Equity is 11.19. Metro Bank Holdings' value of 3.27% is 70.8% below this industry median. Based on the distribution chart, Metro Bank Holdings ranks #1319 out of 1521 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Metro Bank Holdings has a GF Score™ of 44/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Metro Bank Holdings' Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Metro Bank Holdings ranks #1319 out of 1521 companies for Return-on-Tangible-Equity. This places Metro Bank Holdings in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.19. Metro Bank Holdings' value of 3.27% is 70.8% below this benchmark. 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 1,521 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. Metro Bank Holdings's current Return-on-Tangible-Equity of 3.27% is 70.8% 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 Metro Bank Holdings 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. Metro Bank Holdings's current Return-on-Tangible-Equity is 3.27%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Metro Bank Holdings stock overvalued right now?
Based on GuruFocus' analysis, Metro Bank Holdings (MTRBF) is currently considered Significantly Overvalued. The stock's GF Value™ is $0.90, compared to a current price of $2.33 — trading 158.9% above its estimated fair value. The current Return-on-Tangible-Equity is 3.27% and 70.8% below the Banks industry median of 11.19. Metro Bank Holdings' overall GF Score™ is 44/100 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 Metro Bank Holdings (MTRBF), the current Return-on-Tangible-Equity is 3.27% 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 Metro Bank Holdings (MTRBF) Overvalued in 2026?
Based on GuruFocus' analysis, Metro Bank Holdings stock appears to be overvalued.
The current stock price of $2.33 is trading 158.9% above its estimated GF Value™ of $0.90.
GuruFocus considers Metro Bank Holdings to be Significantly Overvalued.
Key valuation signals for MTRBF:
Return-on-Tangible-Equity: 3.27%
GF Value™: $0.90 vs. price of $2.33 (158.9% above fair value)
Industry Position: 70.8% below the Banks median (#1319 of 1521)
No single metric tells the full story. See the MTRBF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Metro Bank Holdings PLC is a holding company. The firm through its subsidiary engages in deposit-taking and lending activities with a focus on retail and small and medium-sized commercial customers in the United Kingdom. It engages in offering bank accounts, saving accounts, borrowing services, insurance, and mortgage services for personal and business banking.
44GF Score
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