MBSB BhdXKLS:1171 +0.78%44 Return-on-Tangible-Equity is 1.28% as of Mar. 2026, which is 76% below its 10-year median of 5.29. GuruFocus rates XKLS:1171 with a GF Score™ of 44/100 and a GF Value™ of RM0.72 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 1,526 Banks companies, MBSB Bhd ranks worse than 91.68% 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. MBSB Bhd's annualized net income for the quarter that ended in Mar. 2026 was RM121 Mil. MBSB Bhd's average shareholder tangible equity for the quarter that ended in Mar. 2026 was RM9,433 Mil. Therefore, MBSB Bhd's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 1.28%.
The historical rank and industry rank for MBSB Bhd's Return-on-Tangible-Equity or its related term are showing as below:
XKLS:1171'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 2.37 Med: 5.29 Max: 9.1
Current: 2.37
During the past 13 years, MBSB Bhd's highest Return-on-Tangible-Equity was 9.10%. The lowest was 2.37%. And the median was 5.29%.
XKLS:1171's Return-on-Tangible-Equity is ranked worse than 91.68% of 1526
companies
in the Banks industry
Industry Median: 11.195
vs XKLS:1171: 2.37
MBSB Bhd (XKLS:1171) 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.
MBSB Bhd Return-on-Tangible-Equity Related Terms
MBSB Bhd Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for MBSB Bhd'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.
XKLS:1171 vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, MBSB Bhd'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.
MBSB Bhd Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, MBSB Bhd's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where MBSB Bhd'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 1.28% mean?
MBSB Bhd (XKLS:1171) has a Return-on-Tangible-Equity of 1.28% 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 MBSB Bhd and its competitors. This is 76% below median its historical median of 5.29. Over the past decade, MBSB Bhd's Return-on-Tangible-Equity has ranged from 2.37 to 9.10. According to the industry distribution chart, MBSB Bhd ranks #1399 out of 1526 companies in the Banks industry, placing it in the top 91.7%.
Is MBSB Bhd's Return-on-Tangible-Equity too high?
MBSB Bhd's current Return-on-Tangible-Equity of 1.28% is 76% below median its 10-year median of 5.29. Over the past 10 years, this metric has ranged from a low of 2.37 to a high of 9.10. The Banks industry median Return-on-Tangible-Equity is 11.20. MBSB Bhd's value of 1.28% is 88.6% below this industry median. Based on the distribution chart, MBSB Bhd ranks #1399 out of 1526 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, MBSB Bhd has a GF Score™ of 44/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does MBSB Bhd's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, MBSB Bhd ranks #1399 out of 1526 companies for Return-on-Tangible-Equity. This places MBSB Bhd in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.20. MBSB Bhd's value of 1.28% is 88.6% below this benchmark. Historically, MBSB Bhd's own Return-on-Tangible-Equity has ranged from 2.37 to 9.10 over the past decade. While the company's 10-year median is 5.29 vs. the industry median of 11.20, MBSB Bhd has consistently been below 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 1,526 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. MBSB Bhd's current Return-on-Tangible-Equity of 1.28% is 88.6% below 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 MBSB Bhd 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. MBSB Bhd's current Return-on-Tangible-Equity is 1.28%, which is 76% below median its own 10-year median of 5.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MBSB Bhd stock overvalued right now?
Based on GuruFocus' analysis, MBSB Bhd (XKLS:1171) is currently considered Modestly Undervalued. The stock's GF Value™ is RM0.72, compared to a current price of RM0.65 — trading 10.4% below its estimated fair value. The current Return-on-Tangible-Equity is 1.28%, which is 76% below median its 10-year median of 5.29 and 88.6% below the Banks industry median of 11.20. MBSB Bhd's overall GF Score™ is 44/100 with 5 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 MBSB Bhd (XKLS:1171), the current Return-on-Tangible-Equity is 1.28% 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 MBSB Bhd (XKLS:1171) Overvalued in 2026?
Based on GuruFocus' analysis, MBSB Bhd stock appears to be undervalued.
The current stock price of RM0.65 is trading 10.4% below its estimated GF Value™ of RM0.72.
GuruFocus considers MBSB Bhd to be Modestly Undervalued.
Key valuation signals for XKLS:1171:
Return-on-Tangible-Equity: 1.28% (76% below median its 10-year median of 5.29)
GF Value™: RM0.72 vs. price of RM0.65 (10.4% below fair value)
Industry Position: 88.6% below the Banks median (#1399 of 1526)
No single metric tells the full story. See the XKLS:1171 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
MBSB Bhd is a Malaysia-based banking company. The company operates through the following segments: Consumer Banking, which includes consumer financing such as property financing, personal financing, and wealth management services with individual customers in Malaysia; Corporate Banking segment includes corporate financing, wholesale financing, contract financing and commercial property financing with business customers; Global Market segment includes saving accounts, current accounts, term deposits, investment accounts, treasury activities including money market, sukuk, derivatives and trading of capital market securities; Investment segment refers to the operations of investment banking, asset management and all other related financial services; and Others segment.
44GF Score
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