AHLI BankOGMUS:ABOB 35 Return-on-Tangible-Equity is 6.76% as of Mar. 2026, which is 13% below its 10-year median of 7.81. GuruFocus rates MUS:ABOB with a GF Score™ of 35/100 and a GF Value™ of ر.ع0.15 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,523 Banks companies, AHLI BankOG ranks worse than 69.34% 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. AHLI BankOG's annualized net income for the quarter that ended in Mar. 2026 was ر.ع43.2 Mil. AHLI BankOG's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ر.ع639.2 Mil. Therefore, AHLI BankOG's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 6.76%.
The historical rank and industry rank for AHLI BankOG's Return-on-Tangible-Equity or its related term are showing as below:
MUS:ABOB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 6.22 Med: 7.81 Max: 12.57
Current: 7.85
During the past 13 years, AHLI BankOG's highest Return-on-Tangible-Equity was 12.57%. The lowest was 6.22%. And the median was 7.81%.
MUS:ABOB's Return-on-Tangible-Equity is ranked worse than 69.34% of 1523
companies
in the Banks industry
Industry Median: 11.19
vs MUS:ABOB: 7.85
AHLI BankOG (MUS:ABOB) 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.
AHLI BankOG Return-on-Tangible-Equity Related Terms
AHLI BankOG Return-on-Tangible-Equity Historical Data
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The historical data trend for AHLI BankOG'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.
MUS:ABOB vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, AHLI BankOG'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.
AHLI BankOG Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, AHLI BankOG's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where AHLI BankOG'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 6.76% mean?
AHLI BankOG (MUS:ABOB) has a Return-on-Tangible-Equity of 6.76% 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 AHLI BankOG and its competitors. This is 13% below median its historical median of 7.81. Over the past decade, AHLI BankOG's Return-on-Tangible-Equity has ranged from 6.22 to 12.57. According to the industry distribution chart, AHLI BankOG ranks #1056 out of 1523 companies in the Banks industry, placing it in the top 69.3%.
Is AHLI BankOG's Return-on-Tangible-Equity too high?
AHLI BankOG's current Return-on-Tangible-Equity of 6.76% is 13% below median its 10-year median of 7.81. Over the past 10 years, this metric has ranged from a low of 6.22 to a high of 12.57. The Banks industry median Return-on-Tangible-Equity is 11.19. AHLI BankOG's value of 6.76% is 39.6% below this industry median. Based on the distribution chart, AHLI BankOG ranks #1056 out of 1523 companies in the Banks industry, which is below the industry midpoint. Overall, AHLI BankOG has a GF Score™ of 35/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does AHLI BankOG's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, AHLI BankOG ranks #1056 out of 1523 companies for Return-on-Tangible-Equity. This places AHLI BankOG in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.19. AHLI BankOG's value of 6.76% is 39.6% below this benchmark. Historically, AHLI BankOG's own Return-on-Tangible-Equity has ranged from 6.22 to 12.57 over the past decade. While the company's 10-year median is 7.81 vs. the industry median of 11.19, AHLI BankOG 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. AHLI BankOG's current Return-on-Tangible-Equity of 6.76% is 39.6% 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 AHLI BankOG 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. AHLI BankOG's current Return-on-Tangible-Equity is 6.76%, which is 13% below median its own 10-year median of 7.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AHLI BankOG stock overvalued right now?
Based on GuruFocus' analysis, AHLI BankOG (MUS:ABOB) is currently considered Significantly Overvalued. The stock's GF Value™ is ر.ع0.15, compared to a current price of ر.ع0.21 — trading 40% above its estimated fair value. The current Return-on-Tangible-Equity is 6.76%, which is 13% below median its 10-year median of 7.81 and 39.6% below the Banks industry median of 11.19. AHLI BankOG's overall GF Score™ is 35/100 with 6 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 AHLI BankOG (MUS:ABOB), the current Return-on-Tangible-Equity is 6.76% 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 AHLI BankOG (MUS:ABOB) Overvalued in 2026?
Based on GuruFocus' analysis, AHLI BankOG stock appears to be overvalued.
The current stock price of ر.ع0.21 is trading 40% above its estimated GF Value™ of ر.ع0.15.
GuruFocus considers AHLI BankOG to be Significantly Overvalued.
Key valuation signals for MUS:ABOB:
Return-on-Tangible-Equity: 6.76% (13% below median its 10-year median of 7.81)
GF Value™: ر.ع0.15 vs. price of ر.ع0.21 (40% above fair value)
Industry Position: 39.6% below the Banks median (#1056 of 1523)
No single metric tells the full story. See the MUS:ABOB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AHLI Bank SAOG provides commercial banking services and products in the Sultanate of Oman. Its products and services include Sharia-compliant customer deposits, providing Sharia-compliant financing based on Murabaha, investment activities, and providing commercial banking. The bank is organized into two operating segments, Retail banking which includes customers' deposits, unrestricted investment account, consumer loans, overdrafts, credit card, Islamic financing and fund transfer facilities, and Wholesale banking, treasury and investment banking segment which include deposits including current accounts, term deposit, loans and advances and Islamic financing for corporate and institutional customers, Treasury, Trade Finance, and Investment Banking Services.
35GF Score
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