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Prime Commercial BankXNEP:PCBL +0.21%94 Return-on-Tangible-Equity is 11.98% as of Apr. 2026, which is 14% below its 10-year median of 14.00. GuruFocus rates XNEP:PCBL with a GF Score™ of 94/100 and a GF Value™ of NPR259.22 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,521 Banks companies, Prime Commercial Bank ranks better than 71.79% 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. Prime Commercial Bank's annualized net income for the quarter that ended in Apr. 2026 was NPR4,184 Mil. Prime Commercial Bank's average shareholder tangible equity for the quarter that ended in Apr. 2026 was NPR34,930 Mil. Therefore, Prime Commercial Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Apr. 2026 was 11.98%.
The historical rank and industry rank for Prime Commercial Bank's Return-on-Tangible-Equity or its related term are showing as below:
XNEP:PCBL'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 3.85 Med: 14 Max: 22.68
Current: 14.51
During the past 13 years, Prime Commercial Bank's highest Return-on-Tangible-Equity was 22.68%. The lowest was 3.85%. And the median was 14.00%.
XNEP:PCBL's Return-on-Tangible-Equity is ranked better than 71.79% of 1521
companies
in the Banks industry
Industry Median: 11.24
vs XNEP:PCBL: 14.51
Prime Commercial Bank (XNEP:PCBL) 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.
Prime Commercial Bank Return-on-Tangible-Equity Related Terms
Prime Commercial Bank Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Prime Commercial 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.
Prime Commercial Bank Return-on-Tangible-Equity Chart
Prime Commercial Bank Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Prime Commercial 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.
Prime Commercial Bank Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Prime Commercial Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Prime Commercial 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 four times the quarterly (Apr. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 11.98% mean?
Prime Commercial Bank (XNEP:PCBL) has a Return-on-Tangible-Equity of 11.98% as of Apr. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Prime Commercial Bank and its competitors. This is 14% below median its historical median of 14.00. Over the past decade, Prime Commercial Bank's Return-on-Tangible-Equity has ranged from 3.85 to 22.68. According to the industry distribution chart, Prime Commercial Bank ranks #429 out of 1521 companies in the Banks industry, placing it in the top 28.2%.
Is Prime Commercial Bank's Return-on-Tangible-Equity too high?
Prime Commercial Bank's current Return-on-Tangible-Equity of 11.98% is 14% below median its 10-year median of 14.00. Over the past 10 years, this metric has ranged from a low of 3.85 to a high of 22.68. The Banks industry median Return-on-Tangible-Equity is 11.24. Prime Commercial Bank's value of 11.98% is 6.6% above this industry median. Based on the distribution chart, Prime Commercial Bank ranks #429 out of 1521 companies in the Banks industry, which is above the industry midpoint. Overall, Prime Commercial Bank has a GF Score™ of 94/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Prime Commercial Bank's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Prime Commercial Bank ranks #429 out of 1521 companies for Return-on-Tangible-Equity. This puts Prime Commercial Bank in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.24. Prime Commercial Bank's value of 11.98% is 6.6% above this benchmark. Historically, Prime Commercial Bank's own Return-on-Tangible-Equity has ranged from 3.85 to 22.68 over the past decade. While the company's 10-year median is 14.00 vs. the industry median of 11.24, Prime Commercial 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 11.24, based on 1,521 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. Prime Commercial Bank's current Return-on-Tangible-Equity of 11.98% is 6.6% 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 Prime Commercial Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Prime Commercial Bank's current Return-on-Tangible-Equity is 11.98%, which is 14% below median its own 10-year median of 14.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Prime Commercial Bank stock overvalued right now?
Based on GuruFocus' analysis, Prime Commercial Bank (XNEP:PCBL) is currently considered Fairly Valued. The stock's GF Value™ is NPR259.22, compared to a current price of NPR242.50 — trading 6.5% below its estimated fair value. The current Return-on-Tangible-Equity is 11.98%, which is 14% below median its 10-year median of 14.00 and 6.6% above the Banks industry median of 11.24. Prime Commercial Bank's overall GF Score™ is 94/100 with 1 warning sign 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 Prime Commercial Bank (XNEP:PCBL), the current Return-on-Tangible-Equity is 11.98% as of Apr. 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 Prime Commercial Bank (XNEP:PCBL) Overvalued in 2026?
Based on GuruFocus' analysis, Prime Commercial Bank stock appears to be undervalued.
The current stock price of NPR242.50 is trading 6.5% below its estimated GF Value™ of NPR259.22.
GuruFocus considers Prime Commercial Bank to be Fairly Valued.
Key valuation signals for XNEP:PCBL:
Return-on-Tangible-Equity: 11.98% (14% below median its 10-year median of 14.00)
GF Value™: NPR259.22 vs. price of NPR242.50 (6.5% below fair value)
Industry Position: 6.6% above the Banks median (#429 of 1521)
No single metric tells the full story. See the XNEP:PCBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Prime Commercial Bank Ltd is a commercial bank in Nepal. The company's operating segment includes Banking Operation; Treasury; Card and Others. It generates maximum revenue from the Banking Operation segment. The company is engaged in providing personal banking, business banking, retail banking and other services including SMS banking, E-Banking services, and other remittance services.
94GF Score
Get the complete analysis for XNEP:PCBL
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