Bank of Communications CoBCMXY 52 ROA % is 0.66% as of Mar. 2026, which is 14% below its 10-year median of 0.77. GuruFocus rates BCMXY with a GF Score™ of 52/100 and a GF Value™ of $24.39 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,528 Banks companies, Bank of Communications Co ranks worse than 71.14% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Bank of Communications Co's annualizedNet Income for the quarter that ended in Mar. 2026 was $15,184 Mil.
Bank of Communications Co's average Total Assets over the quarter that ended in Mar. 2026 was $2,284,339 Mil. Therefore, Bank of Communications Co's annualized ROA % for the quarter that ended in Mar. 2026 was 0.66%.
The historical rank and industry rank for Bank of Communications Co's ROA % or its related term are showing as below:
BCMXY'
s ROA % Range Over the Past 10 Years
Min: 0.62 Med: 0.77 Max: 0.86
Current: 0.62
During the past 13 years, Bank of Communications Co's highest ROA % was 0.86%. The lowest was 0.62%. And the median was 0.77%.
BCMXY's ROA % is ranked worse than 71.14% of 1528
companies
in the Banks industry
Industry Median: 0.98
vs BCMXY: 0.62
Bank of Communications Co (OTCPK:BCMXY) 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 four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) 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.
* 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 - Diversified subindustry, Bank of Communications Co'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.
Bank of Communications Co ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Bank of Communications Co's ROA % distribution charts can be found below:
* The bar in red indicates where Bank of Communications Co'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 four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Bank of Communications Co (BCMXY) has a ROA % of 0.66% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Bank of Communications Co and its competitors. This is 14% below median its historical median of 0.77. Over the past decade, Bank of Communications Co's ROA % has ranged from 0.62 to 0.86. According to the industry distribution chart, Bank of Communications Co ranks #1087 out of 1528 companies in the Banks industry, placing it in the top 71.1%.
Is Bank of Communications Co's ROA % too high?
Bank of Communications Co's current ROA % of 0.66% is 14% below median its 10-year median of 0.77. Over the past 10 years, this metric has ranged from a low of 0.62 to a high of 0.86. The Banks industry median ROA % is 0.98. Bank of Communications Co's value of 0.66% is 32.7% below this industry median. Based on the distribution chart, Bank of Communications Co ranks #1087 out of 1528 companies in the Banks industry, which is below the industry midpoint. Overall, Bank of Communications Co has a GF Score™ of 52/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bank of Communications Co's ROA % compare to JPM and BAC?
According to the Banks industry distribution chart, Bank of Communications Co ranks #1087 out of 1528 companies for ROA %. This places Bank of Communications Co in the lower half of its industry. The industry median ROA % is 0.98. Bank of Communications Co's value of 0.66% is 32.7% below this benchmark. Historically, Bank of Communications Co's own ROA % has ranged from 0.62 to 0.86 over the past decade. While the company's 10-year median is 0.77 vs. the industry median of 0.98, Bank of Communications Co 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 1,528 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. Bank of Communications Co's current ROA % of 0.66% is 32.7% 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 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 Bank of Communications Co 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. Bank of Communications Co's current ROA % is 0.66%, which is 14% below median its own 10-year median of 0.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of Communications Co stock overvalued right now?
Based on GuruFocus' analysis, Bank of Communications Co (BCMXY) is currently considered Fairly Valued. The stock's GF Value™ is $24.39, compared to a current price of $24.10 — trading 1.2% below its estimated fair value. The current ROA % is 0.66%, which is 14% below median its 10-year median of 0.77 and 32.7% below the Banks industry median of 0.98. Bank of Communications Co's overall GF Score™ is 52/100 with 5 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 Bank of Communications Co (BCMXY), the current ROA % is 0.66% 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 Bank of Communications Co (BCMXY) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of Communications Co stock appears to be undervalued.
The current stock price of $24.10 is trading 1.2% below its estimated GF Value™ of $24.39.
GuruFocus considers Bank of Communications Co to be Fairly Valued.
Key valuation signals for BCMXY:
ROA %: 0.66% (14% below median its 10-year median of 0.77)
GF Value™: $24.39 vs. price of $24.10 (1.2% below fair value)
Industry Position: 32.7% below the Banks median (#1087 of 1528)
No single metric tells the full story. See the BCMXY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank of Communications stands as the only nationwide state-owned commercial bank headquartered in Shanghai and ranks among China's four oldest financial institutions. Following its 1987 restructuring as the nation's first state-owned shareholding commercial bank, Bocom is now executing a strategic pivot toward becoming a global wealth management institution with integrated operations spanning insurance, brokerage, trust, and asset management.The bank operates a comprehensive financial services platform encompassing corporate finance, personal banking, and money market activities. Bocom plays a strategic role in RMB internationalization as one of the inaugural participants in the Cross-Border Interbank Payment System.
52GF Score
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