Entie Commercial BankTPE:2849 63 Return-on-Tangible-Equity is 4.44% as of Dec. 2025, which is 17% below its 10-year median of 5.33. GuruFocus rates TPE:2849 with a GF Score™ of 63/100 and a GF Value™ of NT$14.17 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,526 Banks companies, Entie Commercial Bank ranks worse than 86.24% 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. Entie Commercial Bank's annualized net income for the quarter that ended in Dec. 2025 was NT$1,578 Mil. Entie Commercial Bank's average shareholder tangible equity for the quarter that ended in Dec. 2025 was NT$35,555 Mil. Therefore, Entie Commercial Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 4.44%.
The historical rank and industry rank for Entie Commercial Bank's Return-on-Tangible-Equity or its related term are showing as below:
TPE:2849'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 3.18 Med: 5.33 Max: 6.83
Current: 4.41
During the past 13 years, Entie Commercial Bank's highest Return-on-Tangible-Equity was 6.83%. The lowest was 3.18%. And the median was 5.33%.
TPE:2849's Return-on-Tangible-Equity is ranked worse than 86.24% of 1526
companies
in the Banks industry
Industry Median: 11.195
vs TPE:2849: 4.41
Entie Commercial Bank (TPE:2849) 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.
Entie Commercial Bank Return-on-Tangible-Equity Related Terms
Entie Commercial Bank Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Entie Commercial 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.
Entie Commercial Bank Return-on-Tangible-Equity Chart
TPE:2849 vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Entie Commercial 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.
Entie Commercial Bank Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Entie Commercial Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Entie Commercial 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 (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 4.44% mean?
Entie Commercial Bank (TPE:2849) has a Return-on-Tangible-Equity of 4.44% 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 Entie Commercial Bank and its competitors. This is 17% below median its historical median of 5.33. Over the past decade, Entie Commercial Bank's Return-on-Tangible-Equity has ranged from 3.18 to 6.83. According to the industry distribution chart, Entie Commercial Bank ranks #1316 out of 1526 companies in the Banks industry, placing it in the top 86.2%.
Is Entie Commercial Bank's Return-on-Tangible-Equity too high?
Entie Commercial Bank's current Return-on-Tangible-Equity of 4.44% is 17% below median its 10-year median of 5.33. Over the past 10 years, this metric has ranged from a low of 3.18 to a high of 6.83. The Banks industry median Return-on-Tangible-Equity is 11.20. Entie Commercial Bank's value of 4.44% is 60.3% below this industry median. Based on the distribution chart, Entie Commercial Bank ranks #1316 out of 1526 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Entie Commercial Bank has a GF Score™ of 63/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Entie Commercial Bank's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Entie Commercial Bank ranks #1316 out of 1526 companies for Return-on-Tangible-Equity. This places Entie Commercial Bank in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.20. Entie Commercial Bank's value of 4.44% is 60.3% below this benchmark. Historically, Entie Commercial Bank's own Return-on-Tangible-Equity has ranged from 3.18 to 6.83 over the past decade. While the company's 10-year median is 5.33 vs. the industry median of 11.20, Entie Commercial Bank 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 11.20, based on 1,526 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. Entie Commercial Bank's current Return-on-Tangible-Equity of 4.44% is 60.3% 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 Entie Commercial Bank 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. Entie Commercial Bank's current Return-on-Tangible-Equity is 4.44%, which is 17% below median its own 10-year median of 5.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Entie Commercial Bank stock overvalued right now?
Based on GuruFocus' analysis, Entie Commercial Bank (TPE:2849) is currently considered Fairly Valued. The stock's GF Value™ is NT$14.17, compared to a current price of NT$14.60 — trading 3% above its estimated fair value. The current Return-on-Tangible-Equity is 4.44%, which is 17% below median its 10-year median of 5.33 and 60.3% below the Banks industry median of 11.20. Entie Commercial 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 Entie Commercial Bank (TPE:2849), the current Return-on-Tangible-Equity is 4.44% 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 Entie Commercial Bank (TPE:2849) Overvalued in 2026?
Based on GuruFocus' analysis, Entie Commercial Bank stock appears to be overvalued.
The current stock price of NT$14.60 is trading 3% above its estimated GF Value™ of NT$14.17.
GuruFocus considers Entie Commercial Bank to be Fairly Valued.
Key valuation signals for TPE:2849:
Return-on-Tangible-Equity: 4.44% (17% below median its 10-year median of 5.33)
GF Value™: NT$14.17 vs. price of NT$14.60 (3% above fair value)
Industry Position: 60.3% below the Banks median (#1316 of 1526)
No single metric tells the full story. See the TPE:2849 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Entie Commercial Bank Entie Commercial Bank is engaged in banking activities and services in Taiwan. the Bank has three operating segments: Retail Banking includes the business of consumer finance and wealth management, Corporate Banking includes the business of corporates and financial markets, and Operating Management is responsible for the business relevant to operating management. the bank derives the vast majority of its revenue from the corporate segment. The Bank mainly operates its business in Taiwan.
63GF Score
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