ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Metro Bank Holdings's annualizedNet Income for the quarter that ended in Dec. 2025 was $58.9 Mil.
Metro Bank Holdings's average Total Assets over the quarter that ended in Dec. 2025 was $22,172.6 Mil. Therefore, Metro Bank Holdings's annualized ROA % for the quarter that ended in Dec. 2025 was 0.27%.
The historical rank and industry rank for Metro Bank Holdings's ROA % or its related term are showing as below:
MTRBF'
s ROA % Range Over the Past 10 Years
Min: -1.37 Med: -0.07 Max: 0.31
Current: 0.31
During the past 13 years, Metro Bank Holdings's highest ROA % was 0.31%. The lowest was -1.37%. And the median was -0.07%.
MTRBF's ROA % is ranked worse than 86% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs MTRBF: 0.31
Metro Bank Holdings (OTCPK:MTRBF) 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.
Metro Bank Holdings ROA % Related Terms
Metro Bank Holdings ROA % Historical Data
* Premium members only.
The historical data trend for Metro Bank Holdings'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, Metro Bank Holdings'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.
Metro Bank Holdings ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Metro Bank Holdings's ROA % distribution charts can be found below:
* The bar in red indicates where Metro Bank Holdings'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.
Metro Bank Holdings (MTRBF) has a ROA % of 0.27% 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 Metro Bank Holdings and its competitors. According to the industry distribution chart, Metro Bank Holdings ranks #1315 out of 1529 companies in the Banks industry, placing it in the top 86%.
Is Metro Bank Holdings' ROA % too high?
Metro Bank Holdings' current ROA % is 0.27%. The Banks industry median ROA % is 0.98. Metro Bank Holdings' value of 0.27% is 72.4% below this industry median. Based on the distribution chart, Metro Bank Holdings ranks #1315 out of 1529 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Metro Bank Holdings has a GF Score™ of 44/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Metro Bank Holdings' ROA % compare to competitors?
According to the Banks industry distribution chart, Metro Bank Holdings ranks #1315 out of 1529 companies for ROA %. This places Metro Bank Holdings in the lower half of its industry. The industry median ROA % is 0.98. Metro Bank Holdings' value of 0.27% is 72.4% below this benchmark. 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. Metro Bank Holdings's current ROA % of 0.27% is 72.4% 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 Metro Bank Holdings 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. Metro Bank Holdings's current ROA % is 0.27%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Metro Bank Holdings stock overvalued right now?
Based on GuruFocus' analysis, Metro Bank Holdings (MTRBF) is currently considered Significantly Overvalued. The stock's GF Value™ is $0.90, compared to a current price of $2.35 — trading 161.1% above its estimated fair value. The current ROA % is 0.27% and 72.4% below the Banks industry median of 0.98. Metro Bank Holdings' overall GF Score™ is 44/100 with 7 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 Metro Bank Holdings (MTRBF), the current ROA % is 0.27% 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 Metro Bank Holdings (MTRBF) Overvalued in 2026?
Based on GuruFocus' analysis, Metro Bank Holdings stock appears to be overvalued.
The current stock price of $2.35 is trading 161.1% above its estimated GF Value™ of $0.90.
GuruFocus considers Metro Bank Holdings to be Significantly Overvalued.
Key valuation signals for MTRBF:
ROA %: 0.27%
GF Value™: $0.90 vs. price of $2.35 (161.1% above fair value)
Industry Position: 72.4% below the Banks median (#1315 of 1529)
No single metric tells the full story. See the MTRBF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Metro Bank Holdings PLC is a holding company. The firm through its subsidiary engages in deposit-taking and lending activities with a focus on retail and small and medium-sized commercial customers in the United Kingdom. It engages in offering bank accounts, saving accounts, borrowing services, insurance, and mortgage services for personal and business banking.
44GF Score
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ROA % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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