Bank NizwaOGMUS:BKNZ +2.96%23 ROA % is 0.51% as of Mar. 2026, which is 50% below its 10-year median of 1.01. GuruFocus rates MUS:BKNZ with a GF Score™ of 23/100 and a GF Value™ of ر.ع0.11 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,530 Banks companies, Bank NizwaOG ranks worse than 92.35% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Bank NizwaOG's annualizedNet Income for the quarter that ended in Mar. 2026 was ر.ع10.42 Mil.
Bank NizwaOG's average Total Assets over the quarter that ended in Mar. 2026 was ر.ع2,036.00 Mil. Therefore, Bank NizwaOG's annualized ROA % for the quarter that ended in Mar. 2026 was 0.51%.
The historical rank and industry rank for Bank NizwaOG's ROA % or its related term are showing as below:
MUS:BKNZ'
s ROA % Range Over the Past 10 Years
Min: 0.03 Med: 1.01 Max: 1.1
Current: 0.13
During the past 13 years, Bank NizwaOG's highest ROA % was 1.10%. The lowest was 0.03%. And the median was 1.01%.
MUS:BKNZ's ROA % is ranked worse than 92.35% of 1530
companies
in the Banks industry
Industry Median: 0.98
vs MUS:BKNZ: 0.13
Bank NizwaOG (MUS:BKNZ) 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.
Bank NizwaOG ROA % Related Terms
Bank NizwaOG ROA % Historical Data
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The historical data trend for Bank NizwaOG'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, Bank NizwaOG'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 NizwaOG ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Bank NizwaOG's ROA % distribution charts can be found below:
* The bar in red indicates where Bank NizwaOG'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 NizwaOG (MUS:BKNZ) has a ROA % of 0.51% 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 NizwaOG and its competitors. This is 50% below median its historical median of 1.01. Over the past decade, Bank NizwaOG's ROA % has ranged from 0.03 to 1.10. According to the industry distribution chart, Bank NizwaOG ranks #1413 out of 1530 companies in the Banks industry, placing it in the top 92.4%.
Is Bank NizwaOG's ROA % too high?
Bank NizwaOG's current ROA % of 0.51% is 50% below median its 10-year median of 1.01. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 1.10. The Banks industry median ROA % is 0.98. Bank NizwaOG's value of 0.51% is 48% below this industry median. Based on the distribution chart, Bank NizwaOG ranks #1413 out of 1530 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Bank NizwaOG has a GF Score™ of 23/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank NizwaOG's ROA % compare to PNC and USB?
According to the Banks industry distribution chart, Bank NizwaOG ranks #1413 out of 1530 companies for ROA %. This places Bank NizwaOG in the lower half of its industry. The industry median ROA % is 0.98. Bank NizwaOG's value of 0.51% is 48% below this benchmark. Historically, Bank NizwaOG's own ROA % has ranged from 0.03 to 1.10 over the past decade. While the company's 10-year median is 1.01 vs. the industry median of 0.98, Bank NizwaOG 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. Bank NizwaOG's current ROA % of 0.51% is 48% 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 NizwaOG 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 NizwaOG's current ROA % is 0.51%, which is 50% below median its own 10-year median of 1.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank NizwaOG stock overvalued right now?
Based on GuruFocus' analysis, Bank NizwaOG (MUS:BKNZ) is currently considered Modestly Overvalued. The stock's GF Value™ is ر.ع0.11, compared to a current price of ر.ع0.14 — trading 26.4% above its estimated fair value. The current ROA % is 0.51%, which is 50% below median its 10-year median of 1.01 and 48% below the Banks industry median of 0.98. Bank NizwaOG's overall GF Score™ is 23/100 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 Bank NizwaOG (MUS:BKNZ), the current ROA % is 0.51% 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 NizwaOG (MUS:BKNZ) Overvalued in 2026?
Based on GuruFocus' analysis, Bank NizwaOG stock appears to be overvalued.
The current stock price of ر.ع0.14 is trading 26.4% above its estimated GF Value™ of ر.ع0.11.
GuruFocus considers Bank NizwaOG to be Modestly Overvalued.
Key valuation signals for MUS:BKNZ:
ROA %: 0.51% (50% below median its 10-year median of 1.01)
GF Value™: ر.ع0.11 vs. price of ر.ع0.14 (26.4% above fair value)
Industry Position: 48% below the Banks median (#1413 of 1530)
No single metric tells the full story. See the MUS:BKNZ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank Nizwa SAOG is engaged in opening current, savings, and investment accounts, providing Murabaha and Ijara financing and other Sharia-compliant financing, as well as managing investors' money based on Mudaraba for profit share or agency for a fee, along with other investment activities. It segments are: Retail Banking, offering products and facilities to individual customers; Corporate Banking, providing financing, deposits, trade finance, and foreign exchange services to corporate and SMEs and generating key revenue; and Treasury and Investment Banking, offering treasury products, money market and foreign exchange services, liquidity and market risk management, asset management, corporate advisory, and investment products for high net worth individuals and institutional clients.
23GF Score
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