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ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. NLB Banka ad's annualizedNet Income for the quarter that ended in Dec. 2025 was BAM54.7 Mil.
NLB Banka ad's average Total Assets over the quarter that ended in Dec. 2025 was BAM2,503.6 Mil. Therefore, NLB Banka ad's annualized ROA % for the quarter that ended in Dec. 2025 was 2.19%.
The historical rank and industry rank for NLB Banka ad's ROA % or its related term are showing as below:
XBLB:VBBB-R-A'
s ROA % Range Over the Past 10 Years
Min: 1.44 Med: 2.35 Max: 3.52
Current: 2.36
During the past 13 years, NLB Banka ad's highest ROA % was 3.52%. The lowest was 1.44%. And the median was 2.35%.
XBLB:VBBB-R-A's ROA % is not ranked
in the Banks industry.
Industry Median: 0.98
vs XBLB:VBBB-R-A: 2.36
NLB Banka ad (XBLB:VBBB-R-A) 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.
NLB Banka ad ROA % Related Terms
NLB Banka ad ROA % Historical Data
* Premium members only.
The historical data trend for NLB Banka ad'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, NLB Banka ad'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.
NLB Banka ad ROA % vs Banks Industry
For the Banks industry and Financial Services sector, NLB Banka ad's ROA % distribution charts can be found below:
* The bar in red indicates where NLB Banka ad'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.
NLB Banka ad (XBLB:VBBB-R-A) has a ROA % of 2.19% 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 NLB Banka ad and its competitors. This is near median its historical median of 2.35. Over the past decade, NLB Banka ad's ROA % has ranged from 1.44 to 3.52.
Is NLB Banka ad's ROA % too high?
NLB Banka ad's current ROA % of 2.19% is near median its 10-year median of 2.35. Over the past 10 years, this metric has ranged from a low of 1.44 to a high of 3.52. The Banks industry median ROA % is 0.98. NLB Banka ad's value of 2.19% is 123.5% above this industry median.
How does NLB Banka ad's ROA % compare to competitors?
NLB Banka ad's ROA % of 2.19% can be compared against companies in the Banks industry. The industry median ROA % is 0.98. NLB Banka ad's value of 2.19% is 123.5% above this benchmark. Historically, NLB Banka ad's own ROA % has ranged from 1.44 to 3.52 over the past decade. While the company's 10-year median is 2.35 vs. the industry median of 0.98, NLB Banka ad 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. NLB Banka ad's current ROA % of 2.19% is 123.5% 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 NLB Banka ad 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. NLB Banka ad's current ROA % is 2.19%, which is near median its own 10-year median of 2.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NLB Banka ad stock overvalued right now?
NLB Banka ad (XBLB:VBBB-R-A) has a current ROA % of 2.19%. The stock's GF Value™ is BAM2,109.54, compared to a current price of BAM6,000.00 — trading 184.4% above its estimated fair value. The current ROA % is 2.19%, which is near median its 10-year median of 2.35 and 123.5% above the Banks industry median of 0.98. 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 NLB Banka ad (XBLB:VBBB-R-A), the current ROA % is 2.19% 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.
NLB Banka ad is a banking service provider that operates in Bosnia and Herzegovina. The company is engaged in offering services like retail banking which include retail banking business with private individuals, corporate banking, and financial markets.
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