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ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Komercijalna Banka AD Skopje's annualizedNet Income for the quarter that ended in Jun. 2026 was MKD0 Mil.
Komercijalna Banka AD Skopje's average Total Assets over the quarter that ended in Jun. 2026 was MKD195,049 Mil. Therefore, Komercijalna Banka AD Skopje's annualized ROA % for the quarter that ended in Jun. 2026 was 0.00%.
The historical rank and industry rank for Komercijalna Banka AD Skopje's ROA % or its related term are showing as below:
XMAE:KMB'
s ROA % Range Over the Past 10 Years
Min: 0.79 Med: 1.59 Max: 2.89
Current: 2.7
During the past 13 years, Komercijalna Banka AD Skopje's highest ROA % was 2.89%. The lowest was 0.79%. And the median was 1.59%.
XMAE:KMB's ROA % is ranked better than 93.75% of 1521
companies
in the Banks industry
Industry Median: 1.02
vs XMAE:KMB: 2.70
Komercijalna Banka AD Skopje (XMAE:KMB) 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 (Jun. 2026) net income data. The Revenue data used here is four times the quarterly (Jun. 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.
Komercijalna Banka AD Skopje ROA % Related Terms
Komercijalna Banka AD Skopje ROA % Historical 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.
For the Banks - Regional subindustry, Komercijalna Banka AD Skopje'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.
Komercijalna Banka AD Skopje ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Komercijalna Banka AD Skopje's ROA % distribution charts can be found below:
* The bar in red indicates where Komercijalna Banka AD Skopje'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 (Jun. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Komercijalna Banka AD Skopje (XMAE:KMB) has a ROA % of 0.00% as of Jun. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Komercijalna Banka AD Skopje and its competitors. Over the past decade, Komercijalna Banka AD Skopje's ROA % has ranged from 0.79 to 2.89. According to the industry distribution chart, Komercijalna Banka AD Skopje ranks #95 out of 1521 companies in the Banks industry, placing it in the top 6.2%.
Is Komercijalna Banka AD Skopje's ROA % too high?
Komercijalna Banka AD Skopje's current ROA % is 0.00%. Over the past 10 years, this metric has ranged from a low of 0.79 to a high of 2.89. Based on the distribution chart, Komercijalna Banka AD Skopje ranks #95 out of 1521 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Komercijalna Banka AD Skopje has a GF Score™ of 70/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Komercijalna Banka AD Skopje's ROA % compare to USB and PNC?
According to the Banks industry distribution chart, Komercijalna Banka AD Skopje ranks #95 out of 1521 companies for ROA %. This places Komercijalna Banka AD Skopje in the top 6% of its industry — outperforming the majority of peers. The industry median ROA % is 1.02. Historically, Komercijalna Banka AD Skopje's own ROA % has ranged from 0.79 to 2.89 over the past decade. 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 1.02, based on 1,521 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. 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 Komercijalna Banka AD Skopje and its competitors. For the Banks industry, the median ROA % is 1.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Komercijalna Banka AD Skopje's current ROA % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Komercijalna Banka AD Skopje stock overvalued right now?
Based on GuruFocus' analysis, Komercijalna Banka AD Skopje (XMAE:KMB) is currently considered Modestly Undervalued. The stock's GF Value™ is MKD29,965.80, compared to a current price of MKD25,898.00 — trading 13.6% below its estimated fair value. The current ROA % is 0.00%. Komercijalna Banka AD Skopje's overall GF Score™ is 70/100 with 5 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 Komercijalna Banka AD Skopje (XMAE:KMB), the current ROA % is 0.00% as of Jun. 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 Komercijalna Banka AD Skopje (XMAE:KMB) Overvalued in 2026?
Based on GuruFocus' analysis, Komercijalna Banka AD Skopje stock appears to be undervalued.
The current stock price of MKD25,898.00 is trading 13.6% below its estimated GF Value™ of MKD29,965.80.
GuruFocus considers Komercijalna Banka AD Skopje to be Modestly Undervalued.
Key valuation signals for XMAE:KMB:
ROA %: 0.00%
GF Value™: MKD29,965.80 vs. price of MKD25,898.00 (13.6% below fair value)
No single metric tells the full story. See the XMAE:KMB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Komercijalna Banka AD Skopje is a commercial bank. The principal activities of the bank are - collecting deposits, placing loans and advances domestically and abroad, factoring and financing commercial transactions, foreign exchange operations, fast money transfer, trading with foreign currencies, trading with securities, services of a bank-custodian of investment and pension funds, intermediating in selling insurance policies, data collection and analysis of company's credit rating, and many others. It operates in the Republic of Macedonia, Europe, and other EU member countries.
70GF Score
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