ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Luzerner Kantonalbank AG's annualizedNet Income for the quarter that ended in Mar. 2026 was CHF320.2 Mil.
Luzerner Kantonalbank AG's average Total Assets over the quarter that ended in Mar. 2026 was CHF63,046.6 Mil. Therefore, Luzerner Kantonalbank AG's annualized ROA % for the quarter that ended in Mar. 2026 was 0.51%.
The historical rank and industry rank for Luzerner Kantonalbank AG's ROA % or its related term are showing as below:
XSWX:LUKN'
s ROA % Range Over the Past 10 Years
Min: 0.41 Med: 0.49 Max: 0.56
Current: 0.49
During the past 13 years, Luzerner Kantonalbank AG's highest ROA % was 0.56%. The lowest was 0.41%. And the median was 0.49%.
XSWX:LUKN's ROA % is ranked worse than 78.56% of 1530
companies
in the Banks industry
Industry Median: 0.98
vs XSWX:LUKN: 0.49
Luzerner Kantonalbank AG (XSWX:LUKN) 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.
* 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.
Luzerner Kantonalbank AG ROA % Competitor Comparison
For the Banks - Regional subindustry, Luzerner Kantonalbank 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.
Luzerner Kantonalbank AG ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Luzerner Kantonalbank AG's ROA % distribution charts can be found below:
* The bar in red indicates where Luzerner Kantonalbank 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 four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Luzerner Kantonalbank AG (XSWX:LUKN) 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 Luzerner Kantonalbank AG and its competitors. This is near median its historical median of 0.49. Over the past decade, Luzerner Kantonalbank AG's ROA % has ranged from 0.41 to 0.56. According to the industry distribution chart, Luzerner Kantonalbank AG ranks #1202 out of 1530 companies in the Banks industry, placing it in the top 78.6%.
Is Luzerner Kantonalbank AG's ROA % too high?
Luzerner Kantonalbank AG's current ROA % of 0.51% is near median its 10-year median of 0.49. Over the past 10 years, this metric has ranged from a low of 0.41 to a high of 0.56. The Banks industry median ROA % is 0.98. Luzerner Kantonalbank AG's value of 0.51% is 48% below this industry median. Based on the distribution chart, Luzerner Kantonalbank AG ranks #1202 out of 1530 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Luzerner Kantonalbank AG has a GF Score™ of 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Luzerner Kantonalbank AG's ROA % compare to competitors?
According to the Banks industry distribution chart, Luzerner Kantonalbank AG ranks #1202 out of 1530 companies for ROA %. This places Luzerner Kantonalbank AG in the lower half of its industry. The industry median ROA % is 0.98. Luzerner Kantonalbank AG's value of 0.51% is 48% below this benchmark. Historically, Luzerner Kantonalbank AG's own ROA % has ranged from 0.41 to 0.56 over the past decade. While the company's 10-year median is 0.49 vs. the industry median of 0.98, Luzerner Kantonalbank 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 1,530 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. Luzerner Kantonalbank AG'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 Luzerner Kantonalbank 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. Luzerner Kantonalbank AG's current ROA % is 0.51%, which is near median its own 10-year median of 0.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Luzerner Kantonalbank AG stock overvalued right now?
Based on GuruFocus' analysis, Luzerner Kantonalbank AG (XSWX:LUKN) is currently considered Significantly Overvalued. The stock's GF Value™ is CHF75.87, compared to a current price of CHF108.20 — trading 42.6% above its estimated fair value. The current ROA % is 0.51%, which is near median its 10-year median of 0.49 and 48% below the Banks industry median of 0.98. Luzerner Kantonalbank AG's overall GF Score™ is 54/100 with 8 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 Luzerner Kantonalbank AG (XSWX:LUKN), 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 Luzerner Kantonalbank AG (XSWX:LUKN) Overvalued in 2026?
Based on GuruFocus' analysis, Luzerner Kantonalbank AG stock appears to be overvalued.
The current stock price of CHF108.20 is trading 42.6% above its estimated GF Value™ of CHF75.87.
GuruFocus considers Luzerner Kantonalbank AG to be Significantly Overvalued.
Key valuation signals for XSWX:LUKN:
ROA %: 0.51% (near median its 10-year median of 0.49)
GF Value™: CHF75.87 vs. price of CHF108.20 (42.6% above fair value)
Industry Position: 48% below the Banks median (#1202 of 1530)
No single metric tells the full story. See the XSWX:LUKN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Luzerner Kantonalbank AG is a full-service bank based in Lucerne. It provides private individuals and business clients with comprehensive basic services, such as accounts, cards, payment transactions, loans (including home financing) and pension and investment products (e.g. investment funds or fund savings plans).
54GF Score
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