ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Bankint Petersburg PJSC's annualizedNet Income for the quarter that ended in Mar. 2026 was ₽43,644 Mil.
Bankint Petersburg PJSC's average Total Assets over the quarter that ended in Mar. 2026 was ₽1,349,255 Mil. Therefore, Bankint Petersburg PJSC's annualized ROA % for the quarter that ended in Mar. 2026 was 3.23%.
The historical rank and industry rank for Bankint Petersburg PJSC's ROA % or its related term are showing as below:
MIC:BSPB'
s ROA % Range Over the Past 10 Years
Min: 0.67 Med: 1.4 Max: 4.99
Current: 2.58
During the past 13 years, Bankint Petersburg PJSC's highest ROA % was 4.99%. The lowest was 0.67%. And the median was 1.40%.
MIC:BSPB's ROA % is ranked better than 93.21% of 1532
companies
in the Banks industry
Industry Median: 0.98
vs MIC:BSPB: 2.58
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 - Regional subindustry, Bankint Petersburg PJSC'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.
Bankint Petersburg PJSC ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Bankint Petersburg PJSC's ROA % distribution charts can be found below:
* The bar in red indicates where Bankint Petersburg PJSC'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.
Bankint Petersburg PJSC (MIC:BSPB) has a ROA % of 3.23% 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 Bankint Petersburg PJSC and its competitors. This is 131% above median its historical median of 1.40. Over the past decade, Bankint Petersburg PJSC's ROA % has ranged from 0.67 to 4.99. According to the industry distribution chart, Bankint Petersburg PJSC ranks #104 out of 1532 companies in the Banks industry, placing it in the top 6.8%.
Is Bankint Petersburg PJSC's ROA % too high?
Bankint Petersburg PJSC's current ROA % of 3.23% is 131% above median its 10-year median of 1.40. Over the past 10 years, this metric has ranged from a low of 0.67 to a high of 4.99. The Banks industry median ROA % is 0.98. Bankint Petersburg PJSC's value of 3.23% is 229.6% above this industry median. Based on the distribution chart, Bankint Petersburg PJSC ranks #104 out of 1532 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bankint Petersburg PJSC has a GF Score™ of 21/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Bankint Petersburg PJSC's ROA % compare to PNC and USB?
According to the Banks industry distribution chart, Bankint Petersburg PJSC ranks #104 out of 1532 companies for ROA %. This places Bankint Petersburg PJSC in the top 7% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. Bankint Petersburg PJSC's value of 3.23% is 229.6% above this benchmark. Historically, Bankint Petersburg PJSC's own ROA % has ranged from 0.67 to 4.99 over the past decade. While the company's 10-year median is 1.40 vs. the industry median of 0.98, Bankint Petersburg PJSC has consistently been above 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 1,532 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. Bankint Petersburg PJSC's current ROA % of 3.23% is 229.6% above 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 Bankint Petersburg PJSC 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. Bankint Petersburg PJSC's current ROA % is 3.23%, which is 131% above median its own 10-year median of 1.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bankint Petersburg PJSC stock overvalued right now?
Based on GuruFocus' analysis, Bankint Petersburg PJSC (MIC:BSPB) is currently considered Possible Value Trap. The stock's GF Value™ is ₽389.38, compared to a current price of ₽255.33 — trading 34.4% below its estimated fair value. The current ROA % is 3.23%, which is 131% above median its 10-year median of 1.40 and 229.6% above the Banks industry median of 0.98. Bankint Petersburg PJSC's overall GF Score™ is 21/100 with 4 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 Bankint Petersburg PJSC (MIC:BSPB), the current ROA % is 3.23% 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 Bankint Petersburg PJSC (MIC:BSPB) Overvalued in 2026?
Based on GuruFocus' analysis, Bankint Petersburg PJSC stock appears to be undervalued.
The current stock price of ₽255.33 is trading 34.4% below its estimated GF Value™ of ₽389.38.
GuruFocus considers Bankint Petersburg PJSC to be Possible Value Trap.
Key valuation signals for MIC:BSPB:
ROA %: 3.23% (131% above median its 10-year median of 1.40)
GF Value™: ₽389.38 vs. price of ₽255.33 (34.4% below fair value)
Industry Position: 229.6% above the Banks median (#104 of 1532)
No single metric tells the full story. See the MIC:BSPB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank Saint Petersburg PJSC is a Russian privately-owned commercial bank. The Bank operates in three segments: Corporate Banking; Operation on Financial Markets, and Retail Banking. The Corporate banking segment offers settlement and current accounts, deposits, credit lines, loans, foreign currency transactions with commercial and state entities. The Operation on Financial Markets segment consists of financial instruments trading, loans, and deposits on the interbank market, dealing in foreign exchange and derivative financial instruments. The Retail banking segment private baing services, customer current accounts, retail investment products, card services, mortgages, and other loan services. The Corporate banking segment generates nearly half of the company's revenue.
21GF Score
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