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Qilu Bank CoSHSE:601665 -0.48%73 Return-on-Tangible-Equity is 11.80% as of Mar. 2026, which is 7% above its 10-year median of 11.05. GuruFocus rates SHSE:601665 with a GF Score™ of 73/100 and a GF Value™ of ¥5.53 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,518 Banks companies, Qilu Bank Co ranks better than 50.99% 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. Qilu Bank Co's annualized net income for the quarter that ended in Mar. 2026 was ¥6,255 Mil. Qilu Bank Co's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ¥53,025 Mil. Therefore, Qilu Bank Co's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 11.80%.
The historical rank and industry rank for Qilu Bank Co's Return-on-Tangible-Equity or its related term are showing as below:
SHSE:601665'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 10.19 Med: 11.05 Max: 14.47
Current: 11.49
During the past 13 years, Qilu Bank Co's highest Return-on-Tangible-Equity was 14.47%. The lowest was 10.19%. And the median was 11.05%.
SHSE:601665's Return-on-Tangible-Equity is ranked better than 50.99% of 1518
companies
in the Banks industry
Industry Median: 11.27
vs SHSE:601665: 11.49
Qilu Bank Co (SHSE:601665) 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.
Qilu Bank Co Return-on-Tangible-Equity Related Terms
Qilu Bank Co Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Qilu Bank Co'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.
Qilu Bank Co Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Qilu Bank 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.
Qilu Bank Co Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Qilu Bank Co's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Qilu Bank 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 11.80% mean?
Qilu Bank Co (SHSE:601665) has a Return-on-Tangible-Equity of 11.80% 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 Qilu Bank Co and its competitors. This is near median its historical median of 11.05. Over the past decade, Qilu Bank Co's Return-on-Tangible-Equity has ranged from 10.19 to 14.47. According to the industry distribution chart, Qilu Bank Co ranks #744 out of 1518 companies in the Banks industry, placing it in the top 49%.
Is Qilu Bank Co's Return-on-Tangible-Equity too high?
Qilu Bank Co's current Return-on-Tangible-Equity of 11.80% is near median its 10-year median of 11.05. Over the past 10 years, this metric has ranged from a low of 10.19 to a high of 14.47. The Banks industry median Return-on-Tangible-Equity is 11.27. Qilu Bank Co's value of 11.80% is 4.7% above this industry median. Based on the distribution chart, Qilu Bank Co ranks #744 out of 1518 companies in the Banks industry, which is above the industry midpoint. Overall, Qilu Bank Co has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Qilu Bank Co's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Qilu Bank Co ranks #744 out of 1518 companies for Return-on-Tangible-Equity. This puts Qilu Bank Co in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.27. Qilu Bank Co's value of 11.80% is 4.7% above this benchmark. Historically, Qilu Bank Co's own Return-on-Tangible-Equity has ranged from 10.19 to 14.47 over the past decade. While the company's 10-year median is 11.05 vs. the industry median of 11.27, Qilu Bank 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 11.27, based on 1,518 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. Qilu Bank Co's current Return-on-Tangible-Equity of 11.80% is 4.7% 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 Qilu Bank Co and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Qilu Bank Co's current Return-on-Tangible-Equity is 11.80%, which is near median its own 10-year median of 11.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Qilu Bank Co stock overvalued right now?
Based on GuruFocus' analysis, Qilu Bank Co (SHSE:601665) is currently considered Modestly Overvalued. The stock's GF Value™ is ¥5.53, compared to a current price of ¥6.21 — trading 12.3% above its estimated fair value. The current Return-on-Tangible-Equity is 11.80%, which is near median its 10-year median of 11.05 and 4.7% above the Banks industry median of 11.27. Qilu Bank Co's overall GF Score™ is 73/100 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 Qilu Bank Co (SHSE:601665), the current Return-on-Tangible-Equity is 11.80% 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 Qilu Bank Co (SHSE:601665) Overvalued in 2026?
Based on GuruFocus' analysis, Qilu Bank Co stock appears to be overvalued.
The current stock price of ¥6.21 is trading 12.3% above its estimated GF Value™ of ¥5.53.
GuruFocus considers Qilu Bank Co to be Modestly Overvalued.
Key valuation signals for SHSE:601665:
Return-on-Tangible-Equity: 11.80% (near median its 10-year median of 11.05)
GF Value™: ¥5.53 vs. price of ¥6.21 (12.3% above fair value)
Industry Position: 4.7% above the Banks median (#744 of 1518)
No single metric tells the full story. See the SHSE:601665 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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