TBC Bank GroupTBCCF -2.44%86 Return-on-Tangible-Equity is 26.67% as of Mar. 2026, which is 3% above its 10-year median of 25.81. GuruFocus rates TBCCF with a GF Score™ of 86/100 and a GF Value™ of $58.17 (Fairly Valued). Among 1,525 Banks companies, TBC Bank Group ranks better than 95.67% 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. TBC Bank Group's annualized net income for the quarter that ended in Mar. 2026 was $544 Mil. TBC Bank Group's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $2,038 Mil. Therefore, TBC Bank Group's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 26.67%.
The historical rank and industry rank for TBC Bank Group's Return-on-Tangible-Equity or its related term are showing as below:
TBCCF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 12.88 Med: 25.81 Max: 30.8
Current: 27.88
During the past 13 years, TBC Bank Group's highest Return-on-Tangible-Equity was 30.80%. The lowest was 12.88%. And the median was 25.81%.
TBCCF's Return-on-Tangible-Equity is ranked better than 95.67% of 1525
companies
in the Banks industry
Industry Median: 11.2
vs TBCCF: 27.88
TBC Bank Group (OTCPK:TBCCF) 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.
TBC Bank Group Return-on-Tangible-Equity Related Terms
TBC Bank Group Return-on-Tangible-Equity Historical Data
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The historical data trend for TBC Bank Group'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.
TBC Bank Group Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, TBC Bank Group'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.
TBC Bank Group Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, TBC Bank Group's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where TBC Bank Group'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 26.67% mean?
TBC Bank Group (TBCCF) has a Return-on-Tangible-Equity of 26.67% 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 TBC Bank Group and its competitors. This is near median its historical median of 25.81. Over the past decade, TBC Bank Group's Return-on-Tangible-Equity has ranged from 12.88 to 30.80. According to the industry distribution chart, TBC Bank Group ranks #66 out of 1525 companies in the Banks industry, placing it in the top 4.3%.
Is TBC Bank Group's Return-on-Tangible-Equity too high?
TBC Bank Group's current Return-on-Tangible-Equity of 26.67% is near median its 10-year median of 25.81. Over the past 10 years, this metric has ranged from a low of 12.88 to a high of 30.80. The Banks industry median Return-on-Tangible-Equity is 11.20. TBC Bank Group's value of 26.67% is 138.1% above this industry median. Based on the distribution chart, TBC Bank Group ranks #66 out of 1525 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, TBC Bank Group has a GF Score™ of 86/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does TBC Bank Group's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, TBC Bank Group ranks #66 out of 1525 companies for Return-on-Tangible-Equity. This places TBC Bank Group in the top 4% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.20. TBC Bank Group's value of 26.67% is 138.1% above this benchmark. Historically, TBC Bank Group's own Return-on-Tangible-Equity has ranged from 12.88 to 30.80 over the past decade. While the company's 10-year median is 25.81 vs. the industry median of 11.20, TBC Bank Group 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 11.20, based on 1,525 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. TBC Bank Group's current Return-on-Tangible-Equity of 26.67% is 138.1% 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 TBC Bank Group and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TBC Bank Group's current Return-on-Tangible-Equity is 26.67%, which is near median its own 10-year median of 25.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is TBC Bank Group stock overvalued right now?
Based on GuruFocus' analysis, TBC Bank Group (TBCCF) is currently considered Fairly Valued. The stock's GF Value™ is $58.17, compared to a current price of $58.81 — trading 1.1% above its estimated fair value. The current Return-on-Tangible-Equity is 26.67%, which is near median its 10-year median of 25.81 and 138.1% above the Banks industry median of 11.20. TBC Bank Group's overall GF Score™ is 86/100. 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 TBC Bank Group (TBCCF), the current Return-on-Tangible-Equity is 26.67% 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 TBC Bank Group (TBCCF) Overvalued in 2026?
Based on GuruFocus' analysis, TBC Bank Group stock appears to be overvalued.
The current stock price of $58.81 is trading 1.1% above its estimated GF Value™ of $58.17.
GuruFocus considers TBC Bank Group to be Fairly Valued.
Key valuation signals for TBCCF:
Return-on-Tangible-Equity: 26.67% (near median its 10-year median of 25.81)
GF Value™: $58.17 vs. price of $58.81 (1.1% above fair value)
Industry Position: 138.1% above the Banks median (#66 of 1525)
No single metric tells the full story. See the TBCCF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
TBC Bank Group PLC is a UK-based banking group. The business activities of the company involves universal banking operations within Georgia. The bank is focused on financial services activities, and the majority of its total assets relate to banking, insurance, leasing, brokerage, and corporate advisory services. Its operating segments include Georgian financial services (Georgia FS), which includes corporate and investment banking (CIB), Retail - non-business individual customers; Micro, Small, and Medium Enterprises: (MSME); Uzbekistan; and Other Operations.
86GF Score
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