BNK BankingASX:BBC 29 ROA % is 0.07% as of Dec. 2025, which is 250% above its 10-year median of 0.02. GuruFocus rates ASX:BBC with a GF Score™ of 29/100 and a GF Value™ of A$0.50 (Possible Value Trap). The stock has 2 warning signs investors should review. Among 1,529 Banks companies, BNK Banking ranks worse than 92.87% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. BNK Banking's annualizedNet Income for the quarter that ended in Dec. 2025 was A$0.84 Mil.
BNK Banking's average Total Assets over the quarter that ended in Dec. 2025 was A$1,235.50 Mil. Therefore, BNK Banking's annualized ROA % for the quarter that ended in Dec. 2025 was 0.07%.
The historical rank and industry rank for BNK Banking's ROA % or its related term are showing as below:
ASX:BBC'
s ROA % Range Over the Past 10 Years
Min: -0.54 Med: 0.02 Max: 4.34
Current: 0.1
During the past 13 years, BNK Banking's highest ROA % was 4.34%. The lowest was -0.54%. And the median was 0.02%.
ASX:BBC's ROA % is ranked worse than 92.87% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs ASX:BBC: 0.10
BNK Banking (ASX:BBC) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
BNK Banking ROA % Related Terms
BNK Banking ROA % Historical Data
* Premium members only.
The historical data trend for BNK Banking's ROA % 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, BNK Banking's ROA %, along with its competitors' market caps and ROA % 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.
BNK Banking ROA % vs Banks Industry
For the Banks industry and Financial Services sector, BNK Banking's ROA % distribution charts can be found below:
* The bar in red indicates where BNK Banking's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
BNK Banking (ASX:BBC) has a ROA % of 0.07% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on BNK Banking and its competitors. This is 250% above median its historical median of 0.02. According to the industry distribution chart, BNK Banking ranks #1420 out of 1529 companies in the Banks industry, placing it in the top 92.9%.
Is BNK Banking's ROA % too high?
BNK Banking's current ROA % of 0.07% is 250% above median its 10-year median of 0.02. The Banks industry median ROA % is 0.98. BNK Banking's value of 0.07% is 92.9% below this industry median. Based on the distribution chart, BNK Banking ranks #1420 out of 1529 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, BNK Banking has a GF Score™ of 29/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does BNK Banking's ROA % compare to PNC and USB?
According to the Banks industry distribution chart, BNK Banking ranks #1420 out of 1529 companies for ROA %. This places BNK Banking in the lower half of its industry. The industry median ROA % is 0.98. BNK Banking's value of 0.07% is 92.9% below this benchmark. While the company's 10-year median is 0.02 vs. the industry median of 0.98, BNK Banking 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BNK Banking's current ROA % of 0.07% is 92.9% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on BNK Banking and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BNK Banking's current ROA % is 0.07%, which is 250% above median its own 10-year median of 0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BNK Banking stock overvalued right now?
Based on GuruFocus' analysis, BNK Banking (ASX:BBC) is currently considered Possible Value Trap. The stock's GF Value™ is A$0.50, compared to a current price of A$0.27 — trading 47% below its estimated fair value. The current ROA % is 0.07%, which is 250% above median its 10-year median of 0.02 and 92.9% below the Banks industry median of 0.98. BNK Banking's overall GF Score™ is 29/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For BNK Banking (ASX:BBC), the current ROA % is 0.07% 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 BNK Banking (ASX:BBC) Overvalued in 2026?
Based on GuruFocus' analysis, BNK Banking stock appears to be undervalued.
The current stock price of A$0.27 is trading 47% below its estimated GF Value™ of A$0.50.
GuruFocus considers BNK Banking to be Possible Value Trap.
Key valuation signals for ASX:BBC:
ROA %: 0.07% (250% above median its 10-year median of 0.02)
GF Value™: A$0.50 vs. price of A$0.27 (47% below fair value)
Industry Position: 92.9% below the Banks median (#1420 of 1529)
No single metric tells the full story. See the ASX:BBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BNK Banking Corp Ltd is engaged in the provision of a range of banking products and services to existing and new customers. The company offers a range of loan products, including home loans, personal loans, car loans, and business loans. It also offers a range of savings and investments, including transaction and savings accounts and term deposits. The company offers general and health insurance. It offers deposit accounts, including General Savings Accounts and Business Accounts. It generates maximum revenue from the Banking segment.
29GF Score
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