ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Berner Kantonalbank AG's annualizedNet Income for the quarter that ended in Dec. 2025 was €212.3 Mil.
Berner Kantonalbank AG's average Total Assets over the quarter that ended in Dec. 2025 was €45,360.7 Mil. Therefore, Berner Kantonalbank AG's annualized ROA % for the quarter that ended in Dec. 2025 was 0.47%.
The historical rank and industry rank for Berner Kantonalbank AG's ROA % or its related term are showing as below:
FRA:BEHV'
s ROA % Range Over the Past 10 Years
Min: 0.41 Med: 0.45 Max: 0.48
Current: 0.42
During the past 13 years, Berner Kantonalbank AG's highest ROA % was 0.48%. The lowest was 0.41%. And the median was 0.45%.
FRA:BEHV's ROA % is ranked worse than 81.76% of 1530
companies
in the Banks industry
Industry Median: 0.98
vs FRA:BEHV: 0.42
Berner Kantonalbank AG (FRA:BEHV) 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.
Berner Kantonalbank AG ROA % Competitor Comparison
For the Banks - Regional subindustry, Berner Kantonalbank AG'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.
Berner Kantonalbank AG ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Berner Kantonalbank AG's ROA % distribution charts can be found below:
* The bar in red indicates where Berner Kantonalbank AG'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.
Berner Kantonalbank AG (FRA:BEHV) has a ROA % of 0.47% 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 Berner Kantonalbank AG and its competitors. This is near median its historical median of 0.45. Over the past decade, Berner Kantonalbank AG's ROA % has ranged from 0.41 to 0.48. According to the industry distribution chart, Berner Kantonalbank AG ranks #1251 out of 1530 companies in the Banks industry, placing it in the top 81.8%.
Is Berner Kantonalbank AG's ROA % too high?
Berner Kantonalbank AG's current ROA % of 0.47% is near median its 10-year median of 0.45. Over the past 10 years, this metric has ranged from a low of 0.41 to a high of 0.48. The Banks industry median ROA % is 0.98. Berner Kantonalbank AG's value of 0.47% is 52% below this industry median. Based on the distribution chart, Berner Kantonalbank AG ranks #1251 out of 1530 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Berner Kantonalbank AG has a GF Score™ of 39/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Berner Kantonalbank AG's ROA % compare to competitors?
According to the Banks industry distribution chart, Berner Kantonalbank AG ranks #1251 out of 1530 companies for ROA %. This places Berner Kantonalbank AG in the lower half of its industry. The industry median ROA % is 0.98. Berner Kantonalbank AG's value of 0.47% is 52% below this benchmark. Historically, Berner Kantonalbank AG's own ROA % has ranged from 0.41 to 0.48 over the past decade. While the company's 10-year median is 0.45 vs. the industry median of 0.98, Berner Kantonalbank AG 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 1,530 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. Berner Kantonalbank AG's current ROA % of 0.47% is 52% 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 Berner Kantonalbank AG 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. Berner Kantonalbank AG's current ROA % is 0.47%, which is near median its own 10-year median of 0.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Berner Kantonalbank AG stock overvalued right now?
Based on GuruFocus' analysis, Berner Kantonalbank AG (FRA:BEHV) is currently considered Significantly Overvalued. The stock's GF Value™ is €270.36, compared to a current price of €410.00 — trading 51.6% above its estimated fair value. The current ROA % is 0.47%, which is near median its 10-year median of 0.45 and 52% below the Banks industry median of 0.98. Berner Kantonalbank AG's overall GF Score™ is 39/100 with 3 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 Berner Kantonalbank AG (FRA:BEHV), the current ROA % is 0.47% 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 Berner Kantonalbank AG (FRA:BEHV) Overvalued in 2026?
Based on GuruFocus' analysis, Berner Kantonalbank AG stock appears to be overvalued.
The current stock price of €410.00 is trading 51.6% above its estimated GF Value™ of €270.36.
GuruFocus considers Berner Kantonalbank AG to be Significantly Overvalued.
Key valuation signals for FRA:BEHV:
ROA %: 0.47% (near median its 10-year median of 0.45)
GF Value™: €270.36 vs. price of €410.00 (51.6% above fair value)
Industry Position: 52% below the Banks median (#1251 of 1530)
No single metric tells the full story. See the FRA:BEHV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Berner Kantonalbank AG is a Swiss cantonal bank. It is engaged in the business activities in the Canton and the neighboring economic area. It manages the assets, grants loans to private individuals and companies. The bank offers solutions for paying, saving, investing, financing and provisioning. It focuses its activities on two core business areas namely business with private and corporate customers, in particular, SMEs, and asset management. The bank provides consultancies to SMEs and individuals, as an employer, as a training bank, and as a taxpayer.
39GF Score
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