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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. Pavlovic International Bank a.d's annualized net income for the quarter that ended in Dec. 2025 was BAM4.62 Mil. Pavlovic International Bank a.d's average shareholder tangible equity for the quarter that ended in Dec. 2025 was BAM38.31 Mil. Therefore, Pavlovic International Bank a.d's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 12.07%.
The historical rank and industry rank for Pavlovic International Bank a.d's Return-on-Tangible-Equity or its related term are showing as below:
XBLB:PIBB-R-D'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -53.7 Med: 1.01 Max: 7.59
Current: 6.45
During the past 13 years, Pavlovic International Bank a.d's highest Return-on-Tangible-Equity was 7.59%. The lowest was -53.70%. And the median was 1.01%.
XBLB:PIBB-R-D's Return-on-Tangible-Equity is not ranked
in the Banks industry.
Industry Median: 11.2
vs XBLB:PIBB-R-D: 6.45
Pavlovic International Bank a.d (XBLB:PIBB-R-D) 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.
Pavlovic International Bank a.d Return-on-Tangible-Equity Related Terms
Pavlovic International Bank a.d Return-on-Tangible-Equity Historical Data
* 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.
Pavlovic International Bank a.d Return-on-Tangible-Equity Chart
XBLB:PIBB-R-D vs BKESF, TCNB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Pavlovic International Bank a.d'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.
Pavlovic International Bank a.d Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Pavlovic International Bank a.d's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Pavlovic International Bank a.d'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 12.07% mean?
Pavlovic International Bank a.d (XBLB:PIBB-R-D) has a Return-on-Tangible-Equity of 12.07% 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 Pavlovic International Bank a.d and its competitors. This is 1095% above median its historical median of 1.01.
Is Pavlovic International Bank a.d's Return-on-Tangible-Equity too high?
Pavlovic International Bank a.d's current Return-on-Tangible-Equity of 12.07% is 1095% above median its 10-year median of 1.01. The Banks industry median Return-on-Tangible-Equity is 11.20. Pavlovic International Bank a.d's value of 12.07% is 7.8% above this industry median. Overall, Pavlovic International Bank a.d has a GF Score™ of 2/100, reflecting its overall financial health beyond just this single metric.
How does Pavlovic International Bank a.d's Return-on-Tangible-Equity compare to BKESF and TCNB?
Pavlovic International Bank a.d's Return-on-Tangible-Equity of 12.07% can be compared against companies in the Banks industry. The industry median Return-on-Tangible-Equity is 11.20. Pavlovic International Bank a.d's value of 12.07% is 7.8% above this benchmark. While the company's 10-year median is 1.01 vs. the industry median of 11.20, Pavlovic International Bank a.d 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. Pavlovic International Bank a.d's current Return-on-Tangible-Equity of 12.07% is 7.8% 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 Pavlovic International Bank a.d 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. Pavlovic International Bank a.d's current Return-on-Tangible-Equity is 12.07%, which is 1095% above median its own 10-year median of 1.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pavlovic International Bank a.d stock overvalued right now?
Pavlovic International Bank a.d (XBLB:PIBB-R-D) has a current Return-on-Tangible-Equity of 12.07%. The current Return-on-Tangible-Equity is 12.07%, which is 1095% above median its 10-year median of 1.01 and 7.8% above the Banks industry median of 11.20. Pavlovic International Bank a.d's overall GF Score™ is 2/100 with 4 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 Pavlovic International Bank a.d (XBLB:PIBB-R-D), the current Return-on-Tangible-Equity is 12.07% 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.
Pavlovic International Bank a.d Business Description
Pavlovic International Bank a.d provides banking services. It provides retail and corporate banking services including loans, overdrafts, consumer loans, housing loans, savings accounts, payment cards, short term loans, and other banking services.
2GF Score
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