Moneta Money Bank ASSTU:MM0 -0.38%64 Return-on-Tangible-Equity is 22.14% as of Mar. 2026, which is 26% above its 10-year median of 17.59. GuruFocus rates STU:MM0 with a GF Score™ of 64/100 and a GF Value™ of €5.63 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,521 Banks companies, Moneta Money Bank AS ranks better than 93.36% 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. Moneta Money Bank AS's annualized net income for the quarter that ended in Mar. 2026 was €259.1 Mil. Moneta Money Bank AS's average shareholder tangible equity for the quarter that ended in Mar. 2026 was €1,170.2 Mil. Therefore, Moneta Money Bank AS's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 22.14%.
The historical rank and industry rank for Moneta Money Bank AS's Return-on-Tangible-Equity or its related term are showing as below:
STU:MM0'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 11.25 Med: 17.59 Max: 23.34
Current: 23.34
During the past 11 years, Moneta Money Bank AS's highest Return-on-Tangible-Equity was 23.34%. The lowest was 11.25%. And the median was 17.59%.
STU:MM0's Return-on-Tangible-Equity is ranked better than 93.36% of 1521
companies
in the Banks industry
Industry Median: 11.19
vs STU:MM0: 23.34
Moneta Money Bank AS (STU:MM0) 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.
Moneta Money Bank AS Return-on-Tangible-Equity Related Terms
Moneta Money Bank AS Return-on-Tangible-Equity Historical Data
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The historical data trend for Moneta Money Bank AS'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.
Moneta Money Bank AS Return-on-Tangible-Equity Chart
STU:MM0 vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Moneta Money Bank AS'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.
Moneta Money Bank AS Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Moneta Money Bank AS's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Moneta Money Bank AS'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 22.14% mean?
Moneta Money Bank AS (STU:MM0) has a Return-on-Tangible-Equity of 22.14% 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 Moneta Money Bank AS and its competitors. This is 26% above median its historical median of 17.59. Over the past decade, Moneta Money Bank AS's Return-on-Tangible-Equity has ranged from 11.25 to 23.34. According to the industry distribution chart, Moneta Money Bank AS ranks #101 out of 1521 companies in the Banks industry, placing it in the top 6.6%.
Is Moneta Money Bank AS's Return-on-Tangible-Equity too high?
Moneta Money Bank AS's current Return-on-Tangible-Equity of 22.14% is 26% above median its 10-year median of 17.59. Over the past 10 years, this metric has ranged from a low of 11.25 to a high of 23.34. The Banks industry median Return-on-Tangible-Equity is 11.19. Moneta Money Bank AS's value of 22.14% is 97.9% above this industry median. Based on the distribution chart, Moneta Money Bank AS ranks #101 out of 1521 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Moneta Money Bank AS has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Moneta Money Bank AS's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Moneta Money Bank AS ranks #101 out of 1521 companies for Return-on-Tangible-Equity. This places Moneta Money Bank AS in the top 7% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.19. Moneta Money Bank AS's value of 22.14% is 97.9% above this benchmark. Historically, Moneta Money Bank AS's own Return-on-Tangible-Equity has ranged from 11.25 to 23.34 over the past decade. While the company's 10-year median is 17.59 vs. the industry median of 11.19, Moneta Money Bank AS 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 11.19, 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. Moneta Money Bank AS's current Return-on-Tangible-Equity of 22.14% is 97.9% 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 Moneta Money Bank AS 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. Moneta Money Bank AS's current Return-on-Tangible-Equity is 22.14%, which is 26% above median its own 10-year median of 17.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Moneta Money Bank AS stock overvalued right now?
Based on GuruFocus' analysis, Moneta Money Bank AS (STU:MM0) is currently considered Significantly Overvalued. The stock's GF Value™ is €5.63, compared to a current price of €7.88 — trading 39.9% above its estimated fair value. The current Return-on-Tangible-Equity is 22.14%, which is 26% above median its 10-year median of 17.59 and 97.9% above the Banks industry median of 11.19. Moneta Money Bank AS's overall GF Score™ is 64/100 with 5 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 Moneta Money Bank AS (STU:MM0), the current Return-on-Tangible-Equity is 22.14% 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 Moneta Money Bank AS (STU:MM0) Overvalued in 2026?
Based on GuruFocus' analysis, Moneta Money Bank AS stock appears to be overvalued.
The current stock price of €7.88 is trading 39.9% above its estimated GF Value™ of €5.63.
GuruFocus considers Moneta Money Bank AS to be Significantly Overvalued.
Key valuation signals for STU:MM0:
Return-on-Tangible-Equity: 22.14% (26% above median its 10-year median of 17.59)
GF Value™: €5.63 vs. price of €7.88 (39.9% above fair value)
Industry Position: 97.9% above the Banks median (#101 of 1521)
No single metric tells the full story. See the STU:MM0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Moneta Money Bank AS is a small and medium-sized enterprise banking institution based in the Czech Republic. The company's segment includes Commercial, Retail, and Other/Treasury. It generates maximum revenue from the Retail segment. The Retail segment focuses on deposits, loans, revolving products, credit cards, mortgages, building savings, and other transactions with retail customers. The Commercial segment consists of deposits, investment loans, revolving products, financing of real estate, and other services related to transactions with small and medium-sized enterprises, corporate clients, financial institutions, and public sector institutions. The Treasury Segment Performance and Other provides mainly the treasury function.
64GF Score
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