Metropolitan Bank & Trust CoPHS:MBT +0.38%87 Return-on-Tangible-Equity is 12.55% as of Mar. 2026, which is 29% above its 10-year median of 9.75. GuruFocus rates PHS:MBT with a GF Score™ of 87/100 and a GF Value™ of ₱78.62 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,522 Banks companies, Metropolitan Bank & Trust Co ranks better than 59.07% 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. Metropolitan Bank & Trust Co's annualized net income for the quarter that ended in Mar. 2026 was ₱50,412 Mil. Metropolitan Bank & Trust Co's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ₱401,600 Mil. Therefore, Metropolitan Bank & Trust Co's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 12.55%.
The historical rank and industry rank for Metropolitan Bank & Trust Co's Return-on-Tangible-Equity or its related term are showing as below:
PHS:MBT'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 4.5 Med: 9.75 Max: 13.36
Current: 12.74
During the past 13 years, Metropolitan Bank & Trust Co's highest Return-on-Tangible-Equity was 13.36%. The lowest was 4.50%. And the median was 9.75%.
PHS:MBT's Return-on-Tangible-Equity is ranked better than 59.07% of 1522
companies
in the Banks industry
Industry Median: 11.205
vs PHS:MBT: 12.74
Metropolitan Bank & Trust Co (PHS:MBT) 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.
Metropolitan Bank & Trust Co Return-on-Tangible-Equity Related Terms
Metropolitan Bank & Trust Co 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.
Metropolitan Bank & Trust Co Return-on-Tangible-Equity Chart
Metropolitan Bank & Trust Co Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Metropolitan Bank & Trust Co'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.
Metropolitan Bank & Trust Co Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Metropolitan Bank & Trust Co's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Metropolitan Bank & Trust Co'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 12.55% mean?
Metropolitan Bank & Trust Co (PHS:MBT) has a Return-on-Tangible-Equity of 12.55% 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 Metropolitan Bank & Trust Co and its competitors. This is 29% above median its historical median of 9.75. Over the past decade, Metropolitan Bank & Trust Co's Return-on-Tangible-Equity has ranged from 4.50 to 13.36. According to the industry distribution chart, Metropolitan Bank & Trust Co ranks #623 out of 1522 companies in the Banks industry, placing it in the top 40.9%.
Is Metropolitan Bank & Trust Co's Return-on-Tangible-Equity too high?
Metropolitan Bank & Trust Co's current Return-on-Tangible-Equity of 12.55% is 29% above median its 10-year median of 9.75. Over the past 10 years, this metric has ranged from a low of 4.50 to a high of 13.36. The Banks industry median Return-on-Tangible-Equity is 11.21. Metropolitan Bank & Trust Co's value of 12.55% is 12% above this industry median. Based on the distribution chart, Metropolitan Bank & Trust Co ranks #623 out of 1522 companies in the Banks industry, which is above the industry midpoint. Overall, Metropolitan Bank & Trust Co has a GF Score™ of 87/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Metropolitan Bank & Trust Co's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Metropolitan Bank & Trust Co ranks #623 out of 1522 companies for Return-on-Tangible-Equity. This puts Metropolitan Bank & Trust Co in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.21. Metropolitan Bank & Trust Co's value of 12.55% is 12% above this benchmark. Historically, Metropolitan Bank & Trust Co's own Return-on-Tangible-Equity has ranged from 4.50 to 13.36 over the past decade. While the company's 10-year median is 9.75 vs. the industry median of 11.21, Metropolitan Bank & Trust Co 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 11.21, based on 1,522 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. Metropolitan Bank & Trust Co's current Return-on-Tangible-Equity of 12.55% is 12% 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 Metropolitan Bank & Trust Co and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Metropolitan Bank & Trust Co's current Return-on-Tangible-Equity is 12.55%, which is 29% above median its own 10-year median of 9.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Metropolitan Bank & Trust Co stock overvalued right now?
Based on GuruFocus' analysis, Metropolitan Bank & Trust Co (PHS:MBT) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱78.62, compared to a current price of ₱65.90 — trading 16.2% below its estimated fair value. The current Return-on-Tangible-Equity is 12.55%, which is 29% above median its 10-year median of 9.75 and 12% above the Banks industry median of 11.21. Metropolitan Bank & Trust Co's overall GF Score™ is 87/100 with 2 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 Metropolitan Bank & Trust Co (PHS:MBT), the current Return-on-Tangible-Equity is 12.55% 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 Metropolitan Bank & Trust Co (PHS:MBT) Overvalued in 2026?
Based on GuruFocus' analysis, Metropolitan Bank & Trust Co stock appears to be undervalued.
The current stock price of ₱65.90 is trading 16.2% below its estimated GF Value™ of ₱78.62.
GuruFocus considers Metropolitan Bank & Trust Co to be Modestly Undervalued.
Key valuation signals for PHS:MBT:
Return-on-Tangible-Equity: 12.55% (29% above median its 10-year median of 9.75)
GF Value™: ₱78.62 vs. price of ₱65.90 (16.2% below fair value)
Industry Position: 12% above the Banks median (#623 of 1522)
No single metric tells the full story. See the PHS:MBT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Metropolitan Bank & Trust Co is a Filipino bank that provides a diverse range of banking and collateral services. The company has different segments namely Consumer Banking, Corporate Banking, Investment Banking, Treasury, Branch Banking and Others. It derives maximum revenue from Corporate Banking. The Group operates in Philippines, Asia other than Philippines, USA and Europe.
87GF Score
Get the complete analysis for PHS:MBT
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PHS:MBT has been successfully added to your 
