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First Atlantic BankXGHA:FAB 24 Return-on-Tangible-Equity is 25.80% as of Dec. 2025, which is 9% above its 10-year median of 23.67. GuruFocus rates XGHA:FAB with a GF Score™ of 24/100. Among 1,522 Banks companies, First Atlantic Bank ranks better than 94.61% 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. First Atlantic Bank's annualized net income for the quarter that ended in Dec. 2025 was GHS482 Mil. First Atlantic Bank's average shareholder tangible equity for the quarter that ended in Dec. 2025 was GHS1,870 Mil. Therefore, First Atlantic Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 25.80%.
The historical rank and industry rank for First Atlantic Bank's Return-on-Tangible-Equity or its related term are showing as below:
XGHA:FAB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 21.53 Med: 23.67 Max: 25.8
Current: 25.8
During the past 2 years, First Atlantic Bank's highest Return-on-Tangible-Equity was 25.80%. The lowest was 21.53%. And the median was 23.67%.
XGHA:FAB's Return-on-Tangible-Equity is ranked better than 94.61% of 1522
companies
in the Banks industry
Industry Median: 11.35
vs XGHA:FAB: 25.80
First Atlantic Bank (XGHA:FAB) 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.
First Atlantic Bank Return-on-Tangible-Equity Related Terms
First Atlantic Bank Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for First Atlantic 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.
First Atlantic Bank Return-on-Tangible-Equity Chart
First Atlantic Bank Annual Data
Trend
Dec24
Dec25
Return-on-Tangible-Equity
21.53
25.80
First Atlantic Bank Semi-Annual Data
Dec24
Dec25
Return-on-Tangible-Equity
21.53
25.80
XGHA:FAB vs PNC: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, First Atlantic 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.
First Atlantic Bank Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, First Atlantic Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where First Atlantic 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 one times the 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 25.80% mean?
First Atlantic Bank (XGHA:FAB) has a Return-on-Tangible-Equity of 25.80% 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 First Atlantic Bank and its competitors. This is near median its historical median of 23.67. Over the past decade, First Atlantic Bank's Return-on-Tangible-Equity has ranged from 21.53 to 25.80. According to the industry distribution chart, First Atlantic Bank ranks #82 out of 1522 companies in the Banks industry, placing it in the top 5.4%.
Is First Atlantic Bank's Return-on-Tangible-Equity too high?
First Atlantic Bank's current Return-on-Tangible-Equity of 25.80% is near median its 10-year median of 23.67. Over the past 10 years, this metric has ranged from a low of 21.53 to a high of 25.80. The Banks industry median Return-on-Tangible-Equity is 11.35. First Atlantic Bank's value of 25.80% is 127.3% above this industry median. Based on the distribution chart, First Atlantic Bank ranks #82 out of 1522 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, First Atlantic Bank has a GF Score™ of 24/100, reflecting its overall financial health beyond just this single metric.
How does First Atlantic Bank's Return-on-Tangible-Equity compare to PNC?
According to the Banks industry distribution chart, First Atlantic Bank ranks #82 out of 1522 companies for Return-on-Tangible-Equity. This places First Atlantic Bank in the top 5% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.35. First Atlantic Bank's value of 25.80% is 127.3% above this benchmark. Historically, First Atlantic Bank's own Return-on-Tangible-Equity has ranged from 21.53 to 25.80 over the past decade. While the company's 10-year median is 23.67 vs. the industry median of 11.35, First Atlantic Bank 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 11.35, 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. First Atlantic Bank's current Return-on-Tangible-Equity of 25.80% is 127.3% 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 First Atlantic Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.35 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Atlantic Bank's current Return-on-Tangible-Equity is 25.80%, which is near median its own 10-year median of 23.67. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Atlantic Bank stock overvalued right now?
First Atlantic Bank (XGHA:FAB) has a current Return-on-Tangible-Equity of 25.80%. The current Return-on-Tangible-Equity is 25.80%, which is near median its 10-year median of 23.67 and 127.3% above the Banks industry median of 11.35. First Atlantic Bank's overall GF Score™ is 24/100. 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 First Atlantic Bank (XGHA:FAB), the current Return-on-Tangible-Equity is 25.80% 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.
First Atlantic Bank PLC is engaged in providing banking services that include personal banking, corporate banking, digital banking, prestige banking, and others. The Group's portfolio consists of loans and investments segmented across five main portfolios: Corporate Loans, Retail Loans, Retail Controller Loans, SME loans & Investments. The Group comprises the following main business segments: Corporate Banking, Retail and business banking, and Global markets. It generates majority of its income from Global markets segment which undertake the Group's funding and risk management activities through borrowings, issues of debt securities and investing in liquid assets such as short-term placements and corporate and government debt securities.
24GF Score
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