Artea Bankas ABOVSE:ROE1L -1.11%12 Return-on-Tangible-Equity is 11.12% as of Mar. 2026, which is 31% below its 10-year median of 16.17. GuruFocus rates OVSE:ROE1L with a GF Score™ of 12/100 and a GF Value™ of €0.79 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,521 Banks companies, Artea Bankas AB ranks worse than 52.86% 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. Artea Bankas AB's annualized net income for the quarter that ended in Mar. 2026 was €61.7 Mil. Artea Bankas AB's average shareholder tangible equity for the quarter that ended in Mar. 2026 was €554.5 Mil. Therefore, Artea Bankas AB's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 11.12%.
The historical rank and industry rank for Artea Bankas AB's Return-on-Tangible-Equity or its related term are showing as below:
OVSE:ROE1L'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 10.77 Med: 16.17 Max: 28.3
Current: 10.77
During the past 13 years, Artea Bankas AB's highest Return-on-Tangible-Equity was 28.30%. The lowest was 10.77%. And the median was 16.17%.
OVSE:ROE1L's Return-on-Tangible-Equity is ranked worse than 52.86% of 1521
companies
in the Banks industry
Industry Median: 11.19
vs OVSE:ROE1L: 10.77
Artea Bankas AB (OVSE:ROE1L) 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.
Artea Bankas AB Return-on-Tangible-Equity Related Terms
Artea Bankas AB Return-on-Tangible-Equity Historical Data
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The historical data trend for Artea Bankas AB'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.
OVSE:ROE1L vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Artea Bankas AB'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.
Artea Bankas AB Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Artea Bankas AB's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Artea Bankas AB'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 11.12% mean?
Artea Bankas AB (OVSE:ROE1L) has a Return-on-Tangible-Equity of 11.12% 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 Artea Bankas AB and its competitors. This is 31% below median its historical median of 16.17. Over the past decade, Artea Bankas AB's Return-on-Tangible-Equity has ranged from 10.77 to 28.30. According to the industry distribution chart, Artea Bankas AB ranks #804 out of 1521 companies in the Banks industry, placing it in the top 52.9%.
Is Artea Bankas AB's Return-on-Tangible-Equity too high?
Artea Bankas AB's current Return-on-Tangible-Equity of 11.12% is 31% below median its 10-year median of 16.17. Over the past 10 years, this metric has ranged from a low of 10.77 to a high of 28.30. The Banks industry median Return-on-Tangible-Equity is 11.19. Artea Bankas AB's value of 11.12% is 0.6% below this industry median. Based on the distribution chart, Artea Bankas AB ranks #804 out of 1521 companies in the Banks industry, which is below the industry midpoint. Overall, Artea Bankas AB has a GF Score™ of 12/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Artea Bankas AB's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Artea Bankas AB ranks #804 out of 1521 companies for Return-on-Tangible-Equity. This places Artea Bankas AB in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.19. Artea Bankas AB's value of 11.12% is 0.6% below this benchmark. Historically, Artea Bankas AB's own Return-on-Tangible-Equity has ranged from 10.77 to 28.30 over the past decade. While the company's 10-year median is 16.17 vs. the industry median of 11.19, Artea Bankas AB 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 1,521 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. Artea Bankas AB's current Return-on-Tangible-Equity of 11.12% is 0.6% 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 Artea Bankas AB 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. Artea Bankas AB's current Return-on-Tangible-Equity is 11.12%, which is 31% below median its own 10-year median of 16.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Artea Bankas AB stock overvalued right now?
Based on GuruFocus' analysis, Artea Bankas AB (OVSE:ROE1L) is currently considered Modestly Overvalued. The stock's GF Value™ is €0.79, compared to a current price of €0.89 — trading 12.3% above its estimated fair value. The current Return-on-Tangible-Equity is 11.12%, which is 31% below median its 10-year median of 16.17 and 0.6% below the Banks industry median of 11.19. Artea Bankas AB's overall GF Score™ is 12/100 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 Artea Bankas AB (OVSE:ROE1L), the current Return-on-Tangible-Equity is 11.12% 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 Artea Bankas AB (OVSE:ROE1L) Overvalued in 2026?
Based on GuruFocus' analysis, Artea Bankas AB stock appears to be overvalued.
The current stock price of €0.89 is trading 12.3% above its estimated GF Value™ of €0.79.
GuruFocus considers Artea Bankas AB to be Modestly Overvalued.
Key valuation signals for OVSE:ROE1L:
Return-on-Tangible-Equity: 11.12% (31% below median its 10-year median of 16.17)
GF Value™: €0.79 vs. price of €0.89 (12.3% above fair value)
Industry Position: 0.6% below the Banks median (#804 of 1521)
No single metric tells the full story. See the OVSE:ROE1L stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Artea Bankas AB provides daily finances to small and medium-sized businesses. It performs all banking operations including accepting deposits, issuing loans, money transfers and documentary settlements, exchanging currencies for clients, issuing and processing debit and credit cards, and among others.
12GF Score
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