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MF Banka ADXBLB:IEFB-R-A Return-on-Tangible-Equity is 15.15% as of Dec. 2025, which is 55% above its 10-year median of 9.79. The stock has 2 warning signs investors should review.
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. MF Banka AD's annualized net income for the quarter that ended in Dec. 2025 was BAM18.16 Mil. MF Banka AD's average shareholder tangible equity for the quarter that ended in Dec. 2025 was BAM119.81 Mil. Therefore, MF Banka AD's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 15.15%.
The historical rank and industry rank for MF Banka AD's Return-on-Tangible-Equity or its related term are showing as below:
XBLB:IEFB-R-A'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 6.34 Med: 9.79 Max: 13.56
Current: 12.66
During the past 13 years, MF Banka AD's highest Return-on-Tangible-Equity was 13.56%. The lowest was 6.34%. And the median was 9.79%.
XBLB:IEFB-R-A's Return-on-Tangible-Equity is not ranked
in the Banks industry.
Industry Median: 11.2
vs XBLB:IEFB-R-A: 12.66
MF Banka AD (XBLB:IEFB-R-A) 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.
MF Banka AD Return-on-Tangible-Equity Related Terms
MF Banka AD Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for MF Banka AD'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.
XBLB:IEFB-R-A vs USB, PNC: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, MF Banka AD'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.
MF Banka AD Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, MF Banka AD's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where MF Banka AD'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 15.15% mean?
MF Banka AD (XBLB:IEFB-R-A) has a Return-on-Tangible-Equity of 15.15% 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 MF Banka AD and its competitors. This is 55% above median its historical median of 9.79. Over the past decade, MF Banka AD's Return-on-Tangible-Equity has ranged from 6.34 to 13.56.
Is MF Banka AD's Return-on-Tangible-Equity too high?
MF Banka AD's current Return-on-Tangible-Equity of 15.15% is 55% above median its 10-year median of 9.79. Over the past 10 years, this metric has ranged from a low of 6.34 to a high of 13.56. The Banks industry median Return-on-Tangible-Equity is 11.20. MF Banka AD's value of 15.15% is 35.3% above this industry median.
How does MF Banka AD's Return-on-Tangible-Equity compare to USB and PNC?
MF Banka AD's Return-on-Tangible-Equity of 15.15% can be compared against companies in the Banks industry. The industry median Return-on-Tangible-Equity is 11.20. MF Banka AD's value of 15.15% is 35.3% above this benchmark. Historically, MF Banka AD's own Return-on-Tangible-Equity has ranged from 6.34 to 13.56 over the past decade. While the company's 10-year median is 9.79 vs. the industry median of 11.20, MF Banka AD 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 1,523 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. MF Banka AD's current Return-on-Tangible-Equity of 15.15% is 35.3% 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 MF Banka AD 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. MF Banka AD's current Return-on-Tangible-Equity is 15.15%, which is 55% above median its own 10-year median of 9.79. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MF Banka AD stock overvalued right now?
MF Banka AD (XBLB:IEFB-R-A) has a current Return-on-Tangible-Equity of 15.15%. The stock's GF Value™ is BAM108.56, compared to a current price of BAM174.82 — trading 61% above its estimated fair value. The current Return-on-Tangible-Equity is 15.15%, which is 55% above median its 10-year median of 9.79 and 35.3% above the Banks industry median of 11.20. 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 MF Banka AD (XBLB:IEFB-R-A), the current Return-on-Tangible-Equity is 15.15% 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.
MF Banka AD provides is a regional bank engaged in providing banking products and services. The bank is licensed to perform banking activities that include payment transfers, crediting, and depositary operations in the country and abroad. It offers savings products, loans, payment services, deposit and documentary operations services, cards, electronic and mobile banking, SMS, and ATM services. Geographically, it operates in the region of Bosnia and Herzegovina and serves individuals, businesses, and small and medium-sized enterprises.
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