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MBH Mortgage Bank CoBUD:MBHJB 21 ROA % is 0.68% as of Dec. 2025, which is 45% above its 10-year median of 0.47. GuruFocus rates BUD:MBHJB with a GF Score™ of 21/100 and a GF Value™ of Ft1,114.33 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 1,527 Banks companies, MBH Mortgage Bank Co ranks better than 53.31% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. MBH Mortgage Bank Co's annualizedNet Income for the quarter that ended in Dec. 2025 was Ft5,590 Mil.
MBH Mortgage Bank Co's average Total Assets over the quarter that ended in Dec. 2025 was Ft817,180 Mil. Therefore, MBH Mortgage Bank Co's annualized ROA % for the quarter that ended in Dec. 2025 was 0.68%.
The historical rank and industry rank for MBH Mortgage Bank Co's ROA % or its related term are showing as below:
BUD:MBHJB'
s ROA % Range Over the Past 10 Years
Min: -1.65 Med: 0.47 Max: 1.06
Current: 1.05
During the past 13 years, MBH Mortgage Bank Co's highest ROA % was 1.06%. The lowest was -1.65%. And the median was 0.47%.
BUD:MBHJB's ROA % is ranked better than 53.31% of 1527
companies
in the Banks industry
Industry Median: 1
vs BUD:MBHJB: 1.05
MBH Mortgage Bank Co (BUD:MBHJB) 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.
* 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, MBH Mortgage Bank 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.
MBH Mortgage Bank Co ROA % vs Banks Industry
For the Banks industry and Financial Services sector, MBH Mortgage Bank Co's ROA % distribution charts can be found below:
* The bar in red indicates where MBH Mortgage Bank 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 two times the semi-annual (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
MBH Mortgage Bank Co (BUD:MBHJB) has a ROA % of 0.68% 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 MBH Mortgage Bank Co and its competitors. This is 45% above median its historical median of 0.47. According to the industry distribution chart, MBH Mortgage Bank Co ranks #713 out of 1527 companies in the Banks industry, placing it in the top 46.7%.
Is MBH Mortgage Bank Co's ROA % too high?
MBH Mortgage Bank Co's current ROA % of 0.68% is 45% above median its 10-year median of 0.47. The Banks industry median ROA % is 1.00. MBH Mortgage Bank Co's value of 0.68% is 32% below this industry median. Based on the distribution chart, MBH Mortgage Bank Co ranks #713 out of 1527 companies in the Banks industry, which is above the industry midpoint. Overall, MBH Mortgage Bank Co has a GF Score™ of 21/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does MBH Mortgage Bank Co's ROA % compare to PNC and USB?
According to the Banks industry distribution chart, MBH Mortgage Bank Co ranks #713 out of 1527 companies for ROA %. This puts MBH Mortgage Bank Co in the upper half of its industry. The industry median ROA % is 1.00. MBH Mortgage Bank Co's value of 0.68% is 32% below this benchmark. While the company's 10-year median is 0.47 vs. the industry median of 1.00, MBH Mortgage Bank 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 1.00, based on 1,527 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. MBH Mortgage Bank Co's current ROA % of 0.68% is 32% 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 MBH Mortgage Bank Co and its competitors. For the Banks industry, the median ROA % is 1.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MBH Mortgage Bank Co's current ROA % is 0.68%, which is 45% above median its own 10-year median of 0.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MBH Mortgage Bank Co stock overvalued right now?
Based on GuruFocus' analysis, MBH Mortgage Bank Co (BUD:MBHJB) is currently considered Significantly Undervalued. The stock's GF Value™ is Ft1,114.33, compared to a current price of Ft496.00 — trading 55.5% below its estimated fair value. The current ROA % is 0.68%, which is 45% above median its 10-year median of 0.47 and 32% below the Banks industry median of 1.00. MBH Mortgage Bank Co's overall GF Score™ is 21/100 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 MBH Mortgage Bank Co (BUD:MBHJB), the current ROA % is 0.68% 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 MBH Mortgage Bank Co (BUD:MBHJB) Overvalued in 2026?
Based on GuruFocus' analysis, MBH Mortgage Bank Co stock appears to be undervalued.
The current stock price of Ft496.00 is trading 55.5% below its estimated GF Value™ of Ft1,114.33.
GuruFocus considers MBH Mortgage Bank Co to be Significantly Undervalued.
Key valuation signals for BUD:MBHJB:
ROA %: 0.68% (45% above median its 10-year median of 0.47)
GF Value™: Ft1,114.33 vs. price of Ft496.00 (55.5% below fair value)
Industry Position: 32% below the Banks median (#713 of 1527)
No single metric tells the full story. See the BUD:MBHJB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
MBH Mortgage Bank Co PLC provides mortgage banking services. The business activities of the group function through various segments such as Retail, Wholesale, Loans, and advances to customers. It derives the majority of its revenue from the Retail segment, which offers a wide range of services such as retail bank accounts, deposits, savings, loans, and others to its retail customers. The company also focuses on the financial needs of corporate customers and offers corporate accounts, deposits, loans, and other services. In addition, it also focuses on liquidity management, asset and liability management, and security issues. Geographically, it operates in Hungary.
21GF Score
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