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Republic Financial HolTRN:RFHL +0.05%87 Return-on-Tangible-Equity is 12.23% as of Mar. 2026, which is 15% below its 10-year median of 14.40. GuruFocus rates TRN:RFHL with a GF Score™ of 87/100 and a GF Value™ of TTD128.50 (Modestly Undervalued). Among 1,522 Banks companies, Republic Financial Hol ranks better than 74.64% 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. Republic Financial Hol's annualized net income for the quarter that ended in Mar. 2026 was TTD1,892 Mil. Republic Financial Hol's average shareholder tangible equity for the quarter that ended in Mar. 2026 was TTD15,465 Mil. Therefore, Republic Financial Hol's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 12.23%.
The historical rank and industry rank for Republic Financial Hol's Return-on-Tangible-Equity or its related term are showing as below:
TRN:RFHL'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 9.78 Med: 14.4 Max: 17.1
Current: 15.13
During the past 9 years, Republic Financial Hol's highest Return-on-Tangible-Equity was 17.10%. The lowest was 9.78%. And the median was 14.40%.
TRN:RFHL's Return-on-Tangible-Equity is ranked better than 74.64% of 1522
companies
in the Banks industry
Industry Median: 11.375
vs TRN:RFHL: 15.13
Republic Financial Hol (TRN:RFHL) 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.
Republic Financial Hol Return-on-Tangible-Equity Related Terms
Republic Financial Hol Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Republic Financial Hol'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.
Republic Financial Hol Return-on-Tangible-Equity Chart
TRN:RFHL vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Republic Financial Hol'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.
Republic Financial Hol Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Republic Financial Hol's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Republic Financial Hol'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 12.23% mean?
Republic Financial Hol (TRN:RFHL) has a Return-on-Tangible-Equity of 12.23% 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 Republic Financial Hol and its competitors. This is 15% below median its historical median of 14.40. Over the past decade, Republic Financial Hol's Return-on-Tangible-Equity has ranged from 9.78 to 17.10. According to the industry distribution chart, Republic Financial Hol ranks #386 out of 1522 companies in the Banks industry, placing it in the top 25.4%.
Is Republic Financial Hol's Return-on-Tangible-Equity too high?
Republic Financial Hol's current Return-on-Tangible-Equity of 12.23% is 15% below median its 10-year median of 14.40. Over the past 10 years, this metric has ranged from a low of 9.78 to a high of 17.10. The Banks industry median Return-on-Tangible-Equity is 11.38. Republic Financial Hol's value of 12.23% is 7.5% above this industry median. Based on the distribution chart, Republic Financial Hol ranks #386 out of 1522 companies in the Banks industry, which is above the industry midpoint. Overall, Republic Financial Hol has a GF Score™ of 87/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Republic Financial Hol's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Republic Financial Hol ranks #386 out of 1522 companies for Return-on-Tangible-Equity. This puts Republic Financial Hol in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.38. Republic Financial Hol's value of 12.23% is 7.5% above this benchmark. Historically, Republic Financial Hol's own Return-on-Tangible-Equity has ranged from 9.78 to 17.10 over the past decade. While the company's 10-year median is 14.40 vs. the industry median of 11.38, Republic Financial Hol 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 11.38, based on 1,522 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. Republic Financial Hol's current Return-on-Tangible-Equity of 12.23% is 7.5% 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 Republic Financial Hol and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Republic Financial Hol's current Return-on-Tangible-Equity is 12.23%, which is 15% below median its own 10-year median of 14.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Republic Financial Hol stock overvalued right now?
Based on GuruFocus' analysis, Republic Financial Hol (TRN:RFHL) is currently considered Modestly Undervalued. The stock's GF Value™ is TTD128.50, compared to a current price of TTD109.35 — trading 14.9% below its estimated fair value. The current Return-on-Tangible-Equity is 12.23%, which is 15% below median its 10-year median of 14.40 and 7.5% above the Banks industry median of 11.38. Republic Financial Hol's overall GF Score™ is 87/100. 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 Republic Financial Hol (TRN:RFHL), the current Return-on-Tangible-Equity is 12.23% 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 Republic Financial Hol (TRN:RFHL) Overvalued in 2026?
Based on GuruFocus' analysis, Republic Financial Hol stock appears to be undervalued.
The current stock price of TTD109.35 is trading 14.9% below its estimated GF Value™ of TTD128.50.
GuruFocus considers Republic Financial Hol to be Modestly Undervalued.
Key valuation signals for TRN:RFHL:
Return-on-Tangible-Equity: 12.23% (15% below median its 10-year median of 14.40)
GF Value™: TTD128.50 vs. price of TTD109.35 (14.9% below fair value)
Industry Position: 7.5% above the Banks median (#386 of 1522)
No single metric tells the full story. See the TRN:RFHL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Republic Financial Hol Ltd is a financial services group comprising several subsidiaries and associated companies. The company is engaged in providing a wide range of banking, financial, and related services to retail and commercial banking customers, corporate clients, and governments. It operates in two segments: retail and commercial banking, which generates maximum revenue, and other financial services. The company operates in the following geographical segments: Trinidad & Tobago, Barbados, Suriname, Eastern Caribbean, Guyana, Ghana, Cayman Islands, and the British Virgin Islands. It derives key revenue from its operations in Trinidad & Tobago.
87GF Score
Get the complete analysis for TRN:RFHL
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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