ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. UniCredit Bank DD's annualizedNet Income for the quarter that ended in Dec. 2025 was BAM206.8 Mil.
UniCredit Bank DD's average Total Assets over the quarter that ended in Dec. 2025 was BAM8,409.0 Mil. Therefore, UniCredit Bank DD's annualized ROA % for the quarter that ended in Dec. 2025 was 2.46%.
The historical rank and industry rank for UniCredit Bank DD's ROA % or its related term are showing as below:
XBLB:NBLB-R-B'
s ROA % Range Over the Past 10 Years
Min: 1.17 Med: 1.75 Max: 2.46
Current: 2.46
During the past 13 years, UniCredit Bank DD's highest ROA % was 2.46%. The lowest was 1.17%. And the median was 1.75%.
XBLB:NBLB-R-B's ROA % is not ranked
in the Banks industry.
Industry Median: 0.98
vs XBLB:NBLB-R-B: 2.46
UniCredit Bank DD (XBLB:NBLB-R-B) 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 one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the 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.
UniCredit Bank DD ROA % Related Terms
UniCredit Bank DD ROA % Historical Data
* Premium members only.
The historical data trend for UniCredit Bank DD'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, UniCredit Bank DD'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.
UniCredit Bank DD ROA % vs Banks Industry
For the Banks industry and Financial Services sector, UniCredit Bank DD's ROA % distribution charts can be found below:
* The bar in red indicates where UniCredit Bank DD'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 one times the annual (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
UniCredit Bank DD (XBLB:NBLB-R-B) has a ROA % of 2.46% 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 UniCredit Bank DD and its competitors. This is 41% above median its historical median of 1.75. Over the past decade, UniCredit Bank DD's ROA % has ranged from 1.17 to 2.46.
Is UniCredit Bank DD's ROA % too high?
UniCredit Bank DD's current ROA % of 2.46% is 41% above median its 10-year median of 1.75. Over the past 10 years, this metric has ranged from a low of 1.17 to a high of 2.46. The Banks industry median ROA % is 0.98. UniCredit Bank DD's value of 2.46% is 151% above this industry median. Overall, UniCredit Bank DD has a GF Score™ of 4/100, reflecting its overall financial health beyond just this single metric.
How does UniCredit Bank DD's ROA % compare to PNC and USB?
UniCredit Bank DD's ROA % of 2.46% can be compared against companies in the Banks industry. The industry median ROA % is 0.98. UniCredit Bank DD's value of 2.46% is 151% above this benchmark. Historically, UniCredit Bank DD's own ROA % has ranged from 1.17 to 2.46 over the past decade. While the company's 10-year median is 1.75 vs. the industry median of 0.98, UniCredit Bank DD 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 1,529 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. UniCredit Bank DD's current ROA % of 2.46% is 151% 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 UniCredit Bank DD 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. UniCredit Bank DD's current ROA % is 2.46%, which is 41% above median its own 10-year median of 1.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UniCredit Bank DD stock overvalued right now?
UniCredit Bank DD (XBLB:NBLB-R-B) has a current ROA % of 2.46%. The stock's GF Value™ is BAM2,491.73, compared to a current price of BAM1,933.00 — trading 22.4% below its estimated fair value. The current ROA % is 2.46%, which is 41% above median its 10-year median of 1.75 and 151% above the Banks industry median of 0.98. UniCredit Bank DD's overall GF Score™ is 4/100 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 UniCredit Bank DD (XBLB:NBLB-R-B), the current ROA % is 2.46% 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 UniCredit Bank DD (XBLB:NBLB-R-B) Overvalued in 2026?
Based on GuruFocus' analysis, UniCredit Bank DD stock appears to be undervalued.
The current stock price of BAM1,933.00 is trading 22.4% below its estimated GF Value™ of BAM2,491.73.
Key valuation signals for XBLB:NBLB-R-B:
ROA %: 2.46% (41% above median its 10-year median of 1.75)
GF Value™: BAM2,491.73 vs. price of BAM1,933.00 (22.4% below fair value)
No single metric tells the full story. See the XBLB:NBLB-R-B stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
UniCredit Bank DD is a joint-stock company in Bosnia and Herzegovina. It provides a full range of services including retail and corporate banking, risk operations, and finance and operating lease operations. The business segments of the company include Retail, Corporate and Investment Banking, Assets and Liabilities Management, and Central Unit. The company's business users comprise Entrepreneurs, Corporate clients, and Financial Institutions.
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