Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Saudi British BankSAU:1060 +0.91%63 Return-on-Tangible-Equity is 12.10% as of Mar. 2026, which is 3% above its 10-year median of 11.73. GuruFocus rates SAU:1060 with a GF Score™ of 63/100 and a GF Value™ of ﷼38.28 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,523 Banks companies, Saudi British Bank ranks better than 59.03% 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. Saudi British Bank's annualized net income for the quarter that ended in Mar. 2026 was ﷼8,345 Mil. Saudi British Bank's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ﷼68,974 Mil. Therefore, Saudi British Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 12.10%.
The historical rank and industry rank for Saudi British Bank's Return-on-Tangible-Equity or its related term are showing as below:
SAU:1060'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -10.76 Med: 11.73 Max: 14.71
Current: 12.76
During the past 13 years, Saudi British Bank's highest Return-on-Tangible-Equity was 14.71%. The lowest was -10.76%. And the median was 11.73%.
SAU:1060's Return-on-Tangible-Equity is ranked better than 59.03% of 1523
companies
in the Banks industry
Industry Median: 11.29
vs SAU:1060: 12.76
Saudi British Bank (SAU:1060) 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.
Saudi British Bank Return-on-Tangible-Equity Related Terms
Saudi British Bank Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Saudi British 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.
Saudi British Bank Return-on-Tangible-Equity Chart
SAU:1060 vs PNC: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Saudi British 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.
Saudi British Bank Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Saudi British Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Saudi British 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 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 12.10% mean?
Saudi British Bank (SAU:1060) has a Return-on-Tangible-Equity of 12.10% 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 Saudi British Bank and its competitors. This is near median its historical median of 11.73. According to the industry distribution chart, Saudi British Bank ranks #624 out of 1523 companies in the Banks industry, placing it in the top 41%.
Is Saudi British Bank's Return-on-Tangible-Equity too high?
Saudi British Bank's current Return-on-Tangible-Equity of 12.10% is near median its 10-year median of 11.73. The Banks industry median Return-on-Tangible-Equity is 11.29. Saudi British Bank's value of 12.10% is 7.2% above this industry median. Based on the distribution chart, Saudi British Bank ranks #624 out of 1523 companies in the Banks industry, which is above the industry midpoint. Overall, Saudi British Bank has a GF Score™ of 63/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Saudi British Bank's Return-on-Tangible-Equity compare to PNC?
According to the Banks industry distribution chart, Saudi British Bank ranks #624 out of 1523 companies for Return-on-Tangible-Equity. This puts Saudi British Bank in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.29. Saudi British Bank's value of 12.10% is 7.2% above this benchmark. While the company's 10-year median is 11.73 vs. the industry median of 11.29, Saudi British Bank 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 11.29, 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. Saudi British Bank's current Return-on-Tangible-Equity of 12.10% is 7.2% 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 Saudi British Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Saudi British Bank's current Return-on-Tangible-Equity is 12.10%, which is near median its own 10-year median of 11.73. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Saudi British Bank stock overvalued right now?
Based on GuruFocus' analysis, Saudi British Bank (SAU:1060) is currently considered Modestly Undervalued. The stock's GF Value™ is ﷼38.28, compared to a current price of ﷼33.30 — trading 13% below its estimated fair value. The current Return-on-Tangible-Equity is 12.10%, which is near median its 10-year median of 11.73 and 7.2% above the Banks industry median of 11.29. Saudi British Bank's overall GF Score™ is 63/100 with 3 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 Saudi British Bank (SAU:1060), the current Return-on-Tangible-Equity is 12.10% 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 Saudi British Bank (SAU:1060) Overvalued in 2026?
Based on GuruFocus' analysis, Saudi British Bank stock appears to be undervalued.
The current stock price of ﷼33.30 is trading 13% below its estimated GF Value™ of ﷼38.28.
GuruFocus considers Saudi British Bank to be Modestly Undervalued.
Key valuation signals for SAU:1060:
Return-on-Tangible-Equity: 12.10% (near median its 10-year median of 11.73)
GF Value™: ﷼38.28 vs. price of ﷼33.30 (13% below fair value)
Industry Position: 7.2% above the Banks median (#624 of 1523)
No single metric tells the full story. See the SAU:1060 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Saudi British Bank operates as a commercial bank through a network of branches in the Kingdom of Saudi Arabia. It provides integrated banking products and services to both retail and corporate sectors. The company's banking services include Personal, Commercial, Corporate, Private, and Islamic Banking, Investment, Treasury and Trade Services, and Credit and ATM Cards. It operates in five business segments: Wealth and Personal Banking, Corporate and Institutional Banking, Treasury, Capital Markets and Others. The majority of the company's revenue is derived from the Corporate and Institutional Banking segment, which offers core banking, liquidity management, trade-finance and treasury services.
63GF Score
Get the complete analysis for SAU:1060
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
SAU:1060 has been successfully added to your 
