Banque Cantonale VaudoiseXSWX:BCVN -0.34%58 Return-on-Tangible-Equity is 11.12% as of Dec. 2025, which is 7% above its 10-year median of 10.37. GuruFocus rates XSWX:BCVN with a GF Score™ of 58/100 and a GF Value™ of CHF96.82 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,523 Banks companies, Banque Cantonale Vaudoise ranks worse than 51.02% 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. Banque Cantonale Vaudoise's annualized net income for the quarter that ended in Dec. 2025 was CHF430 Mil. Banque Cantonale Vaudoise's average shareholder tangible equity for the quarter that ended in Dec. 2025 was CHF3,869 Mil. Therefore, Banque Cantonale Vaudoise's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 11.12%.
The historical rank and industry rank for Banque Cantonale Vaudoise's Return-on-Tangible-Equity or its related term are showing as below:
XSWX:BCVN'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 9.14 Med: 10.37 Max: 12.4
Current: 11.05
During the past 13 years, Banque Cantonale Vaudoise's highest Return-on-Tangible-Equity was 12.40%. The lowest was 9.14%. And the median was 10.37%.
XSWX:BCVN's Return-on-Tangible-Equity is ranked worse than 51.02% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs XSWX:BCVN: 11.05
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.
Banque Cantonale Vaudoise Return-on-Tangible-Equity Related Terms
Banque Cantonale Vaudoise Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Banque Cantonale Vaudoise'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.
For the Banks - Regional subindustry, Banque Cantonale Vaudoise'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.
Banque Cantonale Vaudoise Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Banque Cantonale Vaudoise's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Banque Cantonale Vaudoise'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 11.12% mean?
Banque Cantonale Vaudoise (XSWX:BCVN) has a Return-on-Tangible-Equity of 11.12% 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 Banque Cantonale Vaudoise and its competitors. This is near median its historical median of 10.37. Over the past decade, Banque Cantonale Vaudoise's Return-on-Tangible-Equity has ranged from 9.14 to 12.40. According to the industry distribution chart, Banque Cantonale Vaudoise ranks #777 out of 1523 companies in the Banks industry, placing it in the top 51%.
Is Banque Cantonale Vaudoise's Return-on-Tangible-Equity too high?
Banque Cantonale Vaudoise's current Return-on-Tangible-Equity of 11.12% is near median its 10-year median of 10.37. Over the past 10 years, this metric has ranged from a low of 9.14 to a high of 12.40. The Banks industry median Return-on-Tangible-Equity is 11.20. Banque Cantonale Vaudoise's value of 11.12% is 0.7% below this industry median. Based on the distribution chart, Banque Cantonale Vaudoise ranks #777 out of 1523 companies in the Banks industry, which is below the industry midpoint. Overall, Banque Cantonale Vaudoise has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banque Cantonale Vaudoise's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Banque Cantonale Vaudoise ranks #777 out of 1523 companies for Return-on-Tangible-Equity. This places Banque Cantonale Vaudoise in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.20. Banque Cantonale Vaudoise's value of 11.12% is 0.7% below this benchmark. Historically, Banque Cantonale Vaudoise's own Return-on-Tangible-Equity has ranged from 9.14 to 12.40 over the past decade. While the company's 10-year median is 10.37 vs. the industry median of 11.20, Banque Cantonale Vaudoise 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 1,523 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. Banque Cantonale Vaudoise's current Return-on-Tangible-Equity of 11.12% is 0.7% 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 Banque Cantonale Vaudoise 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. Banque Cantonale Vaudoise's current Return-on-Tangible-Equity is 11.12%, which is near median its own 10-year median of 10.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banque Cantonale Vaudoise stock overvalued right now?
Based on GuruFocus' analysis, Banque Cantonale Vaudoise (XSWX:BCVN) is currently considered Modestly Overvalued. The stock's GF Value™ is CHF96.82, compared to a current price of CHF118.30 — trading 22.2% above its estimated fair value. The current Return-on-Tangible-Equity is 11.12%, which is near median its 10-year median of 10.37 and 0.7% below the Banks industry median of 11.20. Banque Cantonale Vaudoise's overall GF Score™ is 58/100 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 Banque Cantonale Vaudoise (XSWX:BCVN), the current Return-on-Tangible-Equity is 11.12% 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.
Is Banque Cantonale Vaudoise (XSWX:BCVN) Overvalued in 2026?
Based on GuruFocus' analysis, Banque Cantonale Vaudoise stock appears to be overvalued.
The current stock price of CHF118.30 is trading 22.2% above its estimated GF Value™ of CHF96.82.
GuruFocus considers Banque Cantonale Vaudoise to be Modestly Overvalued.
Key valuation signals for XSWX:BCVN:
Return-on-Tangible-Equity: 11.12% (near median its 10-year median of 10.37)
GF Value™: CHF96.82 vs. price of CHF118.30 (22.2% above fair value)
Industry Position: 0.7% below the Banks median (#777 of 1523)
No single metric tells the full story. See the XSWX:BCVN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banque Cantonale Vaudoise is a universal cantonal, or Swiss government-owned bank. The bank's core businesses include retail banking, private banking, corporate banking, and asset management and trading. It offers a comprehensive range of financial services to all client segments. The majority of the bank's net revenue is net interest income, but it also generates substantial net fee and commission income.
58GF Score
Get the complete analysis for XSWX:BCVN
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XSWX:BCVN has been successfully added to your 
