ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Liechtensteinische Landesbank AG's annualizedNet Income for the quarter that ended in Dec. 2025 was CHF150.8 Mil.
Liechtensteinische Landesbank AG's average Total Assets over the quarter that ended in Dec. 2025 was CHF28,233.2 Mil. Therefore, Liechtensteinische Landesbank AG's annualized ROA % for the quarter that ended in Dec. 2025 was 0.53%.
XSWX:LLBN'
s ROA % Range Over the Past 10 Years
Min: 0.36 Med: 0.53 Max: 0.65
Current: 0.59
During the past 13 years, Liechtensteinische Landesbank AG's highest ROA % was 0.65%. The lowest was 0.36%. And the median was 0.53%.
XSWX:LLBN's ROA % is ranked worse than 72.33% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs XSWX:LLBN: 0.59
Liechtensteinische Landesbank AG (XSWX:LLBN) 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.
Liechtensteinische Landesbank AG ROA % Related Terms
Liechtensteinische Landesbank AG 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.
Liechtensteinische Landesbank AG ROA % Competitor Comparison
For the Banks - Regional subindustry, Liechtensteinische Landesbank AG'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.
Liechtensteinische Landesbank AG ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Liechtensteinische Landesbank AG's ROA % distribution charts can be found below:
* The bar in red indicates where Liechtensteinische Landesbank AG'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.
Liechtensteinische Landesbank AG (XSWX:LLBN) has a ROA % of 0.53% 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 Liechtensteinische Landesbank AG and its competitors. This is near median its historical median of 0.53. Over the past decade, Liechtensteinische Landesbank AG's ROA % has ranged from 0.36 to 0.65. According to the industry distribution chart, Liechtensteinische Landesbank AG ranks #1106 out of 1529 companies in the Banks industry, placing it in the top 72.3%.
Is Liechtensteinische Landesbank AG's ROA % too high?
Liechtensteinische Landesbank AG's current ROA % of 0.53% is near median its 10-year median of 0.53. Over the past 10 years, this metric has ranged from a low of 0.36 to a high of 0.65. The Banks industry median ROA % is 0.98. Liechtensteinische Landesbank AG's value of 0.53% is 45.9% below this industry median. Based on the distribution chart, Liechtensteinische Landesbank AG ranks #1106 out of 1529 companies in the Banks industry, which is below the industry midpoint. Overall, Liechtensteinische Landesbank AG has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Liechtensteinische Landesbank AG's ROA % compare to competitors?
According to the Banks industry distribution chart, Liechtensteinische Landesbank AG ranks #1106 out of 1529 companies for ROA %. This places Liechtensteinische Landesbank AG in the lower half of its industry. The industry median ROA % is 0.98. Liechtensteinische Landesbank AG's value of 0.53% is 45.9% below this benchmark. Historically, Liechtensteinische Landesbank AG's own ROA % has ranged from 0.36 to 0.65 over the past decade. While the company's 10-year median is 0.53 vs. the industry median of 0.98, Liechtensteinische Landesbank AG 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 1,529 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. Liechtensteinische Landesbank AG's current ROA % of 0.53% is 45.9% 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 Liechtensteinische Landesbank AG 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. Liechtensteinische Landesbank AG's current ROA % is 0.53%, which is near median its own 10-year median of 0.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Liechtensteinische Landesbank AG stock overvalued right now?
Based on GuruFocus' analysis, Liechtensteinische Landesbank AG (XSWX:LLBN) is currently considered Modestly Overvalued. The stock's GF Value™ is CHF79.89, compared to a current price of CHF104.20 — trading 30.4% above its estimated fair value. The current ROA % is 0.53%, which is near median its 10-year median of 0.53 and 45.9% below the Banks industry median of 0.98. Liechtensteinische Landesbank AG's overall GF Score™ is 58/100 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 Liechtensteinische Landesbank AG (XSWX:LLBN), the current ROA % is 0.53% 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 Liechtensteinische Landesbank AG (XSWX:LLBN) Overvalued in 2026?
Based on GuruFocus' analysis, Liechtensteinische Landesbank AG stock appears to be overvalued.
The current stock price of CHF104.20 is trading 30.4% above its estimated GF Value™ of CHF79.89.
GuruFocus considers Liechtensteinische Landesbank AG to be Modestly Overvalued.
Key valuation signals for XSWX:LLBN:
ROA %: 0.53% (near median its 10-year median of 0.53)
GF Value™: CHF79.89 vs. price of CHF104.20 (30.4% above fair value)
Industry Position: 45.9% below the Banks median (#1106 of 1529)
No single metric tells the full story. See the XSWX:LLBN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Liechtensteinische Landesbank AG Business Description
Liechtensteinische Landesbank AG is a universal banking and financial services group. The bank business activities are divided into the following segments: Retail & Corporate Banking and International Wealth Management. The companies product and services portfolio includes various financial services, such as payment processing, lending, mortgage, individual pension fund solutions, wealth planning, taxation, asset management, and investment advisory, among others. The company generates a majority of its revenue from the Retail & Corporate Banking segment and more than half of its revenue is earned in Liechtenstein and the rest from Switzerland and Austria.
58GF Score
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