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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. Alatau City Bank JSC's annualized net income for the quarter that ended in Mar. 2026 was ₸137,044 Mil. Alatau City Bank JSC's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ₸1,029,537 Mil. Therefore, Alatau City Bank JSC's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 13.31%.
The historical rank and industry rank for Alatau City Bank JSC's Return-on-Tangible-Equity or its related term are showing as below:
XKAZ:TSBN'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 2.27 Med: 25.78 Max: 185.12
Current: 14.1
During the past 13 years, Alatau City Bank JSC's highest Return-on-Tangible-Equity was 185.12%. The lowest was 2.27%. And the median was 25.78%.
XKAZ:TSBN's Return-on-Tangible-Equity is not ranked
in the Banks industry.
Industry Median: 11.39
vs XKAZ:TSBN: 14.10
Alatau City Bank JSC (XKAZ:TSBN) 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.
Alatau City Bank JSC Return-on-Tangible-Equity Related Terms
Alatau City Bank JSC Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Alatau City Bank JSC'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.
Alatau City Bank JSC Return-on-Tangible-Equity Chart
Alatau City Bank JSC Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Alatau City Bank JSC'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.
Alatau City Bank JSC Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Alatau City Bank JSC's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Alatau City Bank JSC'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 13.31% mean?
Alatau City Bank JSC (XKAZ:TSBN) has a Return-on-Tangible-Equity of 13.31% 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 Alatau City Bank JSC and its competitors. This is 48% below median its historical median of 25.78. Over the past decade, Alatau City Bank JSC's Return-on-Tangible-Equity has ranged from 2.27 to 185.12.
Is Alatau City Bank JSC's Return-on-Tangible-Equity too high?
Alatau City Bank JSC's current Return-on-Tangible-Equity of 13.31% is 48% below median its 10-year median of 25.78. Over the past 10 years, this metric has ranged from a low of 2.27 to a high of 185.12. The Banks industry median Return-on-Tangible-Equity is 11.39. Alatau City Bank JSC's value of 13.31% is 16.9% above this industry median. Overall, Alatau City Bank JSC has a GF Score™ of 15/100, reflecting its overall financial health beyond just this single metric.
How does Alatau City Bank JSC's Return-on-Tangible-Equity compare to competitors?
Alatau City Bank JSC's Return-on-Tangible-Equity of 13.31% can be compared against companies in the Banks industry. The industry median Return-on-Tangible-Equity is 11.39. Alatau City Bank JSC's value of 13.31% is 16.9% above this benchmark. Historically, Alatau City Bank JSC's own Return-on-Tangible-Equity has ranged from 2.27 to 185.12 over the past decade. While the company's 10-year median is 25.78 vs. the industry median of 11.39, Alatau City Bank JSC 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 11.39, 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. Alatau City Bank JSC's current Return-on-Tangible-Equity of 13.31% is 16.9% 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 Alatau City Bank JSC and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Alatau City Bank JSC's current Return-on-Tangible-Equity is 13.31%, which is 48% below median its own 10-year median of 25.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Alatau City Bank JSC stock overvalued right now?
Alatau City Bank JSC (XKAZ:TSBN) has a current Return-on-Tangible-Equity of 13.31%. The stock's GF Value™ is ₸2,250.51, compared to a current price of ₸1,641.00 — trading 27.1% below its estimated fair value. The current Return-on-Tangible-Equity is 13.31%, which is 48% below median its 10-year median of 25.78 and 16.9% above the Banks industry median of 11.39. Alatau City Bank JSC's overall GF Score™ is 15/100 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 Alatau City Bank JSC (XKAZ:TSBN), the current Return-on-Tangible-Equity is 13.31% 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 Alatau City Bank JSC (XKAZ:TSBN) Overvalued in 2026?
Based on GuruFocus' analysis, Alatau City Bank JSC stock appears to be undervalued.
The current stock price of ₸1,641.00 is trading 27.1% below its estimated GF Value™ of ₸2,250.51.
Key valuation signals for XKAZ:TSBN:
Return-on-Tangible-Equity: 13.31% (48% below median its 10-year median of 25.78)
GF Value™: ₸2,250.51 vs. price of ₸1,641.00 (27.1% below fair value)
No single metric tells the full story. See the XKAZ:TSBN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Alatau City Bank JSC is a banking corporation registered in Kazakhstan. The company provides a wide range of services to individuals, entrepreneurs, and corporate clients across all regions of Kazakhstan. It offers Alatau City Bank Tole, Loans, Deposits, Investments, Tariffs, Osim magazine, Banking, and Other products.
15GF Score
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