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The historical rank and industry rank for Guangzhou Rural Commercial Bank Co's Return-on-Tangible-Equity or its related term are showing as below:
STU:2GN'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 2.29 Med: 6.13 Max: 14.44
Current: 2.32
During the past 12 years, Guangzhou Rural Commercial Bank Co's highest Return-on-Tangible-Equity was 14.44%. The lowest was 2.29%. And the median was 6.13%.
STU:2GN's Return-on-Tangible-Equity is ranked worse than 91.89% of 1517
companies
in the Banks industry
Industry Median: 11.25
vs STU:2GN: 2.32
Guangzhou Rural Commercial Bank Co (STU:2GN) 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.
Guangzhou Rural Commercial Bank Co Return-on-Tangible-Equity Related Terms
Guangzhou Rural Commercial Bank 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.
Guangzhou Rural Commercial Bank Co Return-on-Tangible-Equity Chart
Guangzhou Rural Commercial Bank Co Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Guangzhou Rural Commercial 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.
Guangzhou Rural Commercial Bank Co Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Guangzhou Rural Commercial Bank Co's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Guangzhou Rural Commercial 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 two times the semi-annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 1.63% mean?
Guangzhou Rural Commercial Bank Co (STU:2GN) has a Return-on-Tangible-Equity of 1.63% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Guangzhou Rural Commercial Bank Co and its competitors. This is 73% below median its historical median of 6.13. Over the past decade, Guangzhou Rural Commercial Bank Co's Return-on-Tangible-Equity has ranged from 2.29 to 14.44. According to the industry distribution chart, Guangzhou Rural Commercial Bank Co ranks #1394 out of 1517 companies in the Banks industry, placing it in the top 91.9%.
Is Guangzhou Rural Commercial Bank Co's Return-on-Tangible-Equity too high?
Guangzhou Rural Commercial Bank Co's current Return-on-Tangible-Equity of 1.63% is 73% below median its 10-year median of 6.13. Over the past 10 years, this metric has ranged from a low of 2.29 to a high of 14.44. The Banks industry median Return-on-Tangible-Equity is 11.25. Guangzhou Rural Commercial Bank Co's value of 1.63% is 85.5% below this industry median. Based on the distribution chart, Guangzhou Rural Commercial Bank Co ranks #1394 out of 1517 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Guangzhou Rural Commercial Bank Co has a GF Score™ of 57/100, reflecting its overall financial health beyond just this single metric.
How does Guangzhou Rural Commercial Bank Co's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Guangzhou Rural Commercial Bank Co ranks #1394 out of 1517 companies for Return-on-Tangible-Equity. This places Guangzhou Rural Commercial Bank Co in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.25. Guangzhou Rural Commercial Bank Co's value of 1.63% is 85.5% below this benchmark. Historically, Guangzhou Rural Commercial Bank Co's own Return-on-Tangible-Equity has ranged from 2.29 to 14.44 over the past decade. While the company's 10-year median is 6.13 vs. the industry median of 11.25, Guangzhou Rural Commercial Bank Co 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 11.25, based on 1,517 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. Guangzhou Rural Commercial Bank Co's current Return-on-Tangible-Equity of 1.63% is 85.5% 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 Guangzhou Rural Commercial Bank Co and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Guangzhou Rural Commercial Bank Co's current Return-on-Tangible-Equity is 1.63%, which is 73% below median its own 10-year median of 6.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Guangzhou Rural Commercial Bank Co stock overvalued right now?
Guangzhou Rural Commercial Bank Co (STU:2GN) has a current Return-on-Tangible-Equity of 1.63%. The stock's GF Value™ is €0.12, compared to a current price of €0.16 — trading 29.2% above its estimated fair value. The current Return-on-Tangible-Equity is 1.63%, which is 73% below median its 10-year median of 6.13 and 85.5% below the Banks industry median of 11.25. Guangzhou Rural Commercial Bank Co's overall GF Score™ is 57/100 with 4 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 Guangzhou Rural Commercial Bank Co (STU:2GN), the current Return-on-Tangible-Equity is 1.63% as of Dec. 2025. 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 Guangzhou Rural Commercial Bank Co (STU:2GN) Overvalued in 2026?
Based on GuruFocus' analysis, Guangzhou Rural Commercial Bank Co stock appears to be overvalued.
The current stock price of €0.16 is trading 29.2% above its estimated GF Value™ of €0.12.
Key valuation signals for STU:2GN:
Return-on-Tangible-Equity: 1.63% (73% below median its 10-year median of 6.13)
GF Value™: €0.12 vs. price of €0.16 (29.2% above fair value)
Industry Position: 85.5% below the Banks median (#1394 of 1517)
No single metric tells the full story. See the STU:2GN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Guangzhou Rural Commercial Bank Co Business Description
Guangzhou Rural Commercial Bank Co Ltd is engaged in providing banking and related financial services. The company's operating segments are Corporate banking, Retail banking, Financial market business, and others. It generates maximum revenue from the Corporate banking segment, which covers financial products and services for corporate customers, including deposits, loans, settlement, clearing, and other trade-related services. The bank conducts its business principally in Guangdong Province.
57GF Score
Get the complete analysis for STU:2GN
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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