Diamond Trust Bank (NAI:DTK) ROE % Adjusted to Book Value: 31.62% (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NAI:DTK Diamond Trust Bank Ltd NAI:DTK
68 GF Score
Price KES154.00
GF Value KES72.75
Valuation Significantly Overvalued
! 3 Warning Signs
View Full Analysis

What is Diamond Trust Bank ROE % Adjusted to Book Value?

Diamond Trust Bank NAI:DTK +2.16% 68 ROE % Adjusted to Book Value is 31.62% as of Mar. 2026. GuruFocus rates NAI:DTK with a GF Score™ of 68/100 and a GF Value™ of KES72.75 (Significantly Overvalued). The stock has 3 warning signs investors should review.

Diamond Trust Bank's ROE % for the quarter that ended in Mar. 2026 was 12.33%. Diamond Trust Bank's PB Ratio for the quarter that ended in Mar. 2026 was 0.39. Diamond Trust Bank's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 31.62%.


Diamond Trust Bank ROE % Adjusted to Book Value Related Terms


Diamond Trust Bank ROE % Adjusted to Book Value Historical Data

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The historical data trend for Diamond Trust Bank's ROE % Adjusted to Book Value 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.

Diamond Trust Bank ROE % Adjusted to Book Value Chart

Diamond Trust Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 24.20 44.50 56.24 40.67 32.16

Diamond Trust Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 56.42 35.92 39.34 24.13 31.62

NAI:DTK vs PNC, USB: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Diamond Trust Bank's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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.


Diamond Trust Bank ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Diamond Trust Bank's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Diamond Trust Bank's ROE % Adjusted to Book Value falls into.


NAI:DTK
68GF Score
Diamond Trust Bank Ltd NAI:DTK
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Diamond Trust Bank ROE % Adjusted to Book Value Calculation

Diamond Trust Bank's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=10.29% / 0.32
=32.16%

Diamond Trust Bank's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=12.33% / 0.39
=31.62%

* 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.

What does a ROE % Adjusted to Book Value of 31.62% mean?
Diamond Trust Bank (NAI:DTK) has a ROE % Adjusted to Book Value of 31.62% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Diamond Trust Bank and its competitors.
Is Diamond Trust Bank's ROE % Adjusted to Book Value too high?
Diamond Trust Bank's current ROE % Adjusted to Book Value is 31.62%. Overall, Diamond Trust Bank has a GF Score™ of 68/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Diamond Trust Bank's ROE % Adjusted to Book Value compare to PNC and USB?
Diamond Trust Bank's ROE % Adjusted to Book Value of 31.62% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Diamond Trust Bank and its competitors. Diamond Trust Bank's current ROE % Adjusted to Book Value is 31.62%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Diamond Trust Bank stock overvalued right now?
Based on GuruFocus' analysis, Diamond Trust Bank (NAI:DTK) is currently considered Significantly Overvalued. The stock's GF Value™ is KES72.75, compared to a current price of KES154.00 — trading 111.7% above its estimated fair value. The current ROE % Adjusted to Book Value is 31.62%. Diamond Trust Bank's overall GF Score™ is 68/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Diamond Trust Bank (NAI:DTK), the current ROE % Adjusted to Book Value is 31.62% 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 Diamond Trust Bank (NAI:DTK) Overvalued in 2026?

Based on GuruFocus' analysis, Diamond Trust Bank stock appears to be overvalued. The current stock price of KES154.00 is trading 111.7% above its estimated GF Value™ of KES72.75. GuruFocus considers Diamond Trust Bank to be Significantly Overvalued.

Key valuation signals for NAI:DTK:

  • ROE % Adjusted to Book Value: 31.62%
  • GF Value™: KES72.75 vs. price of KES154.00 (111.7% above fair value)
  • GF Score™: 68/100 with 3 warning signs

No single metric tells the full story. See the NAI:DTK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Diamond Trust Bank Business Description

Address Mombasa Road, DTB Centre, P.O. Box 61711, Nairobi, KEN, 00200
Diamond Trust Bank Ltd is a regional bank that provides banking, insurance agency, and other related services to the general public. It offers various banking services, including corporate, retail, and commercial. The company focuses on the small and medium-sized enterprises sector. It has four business segments: Diamond Trust Bank Tanzania Limited, Diamond Trust Bank Uganda Limited, Diamond Trust Bank Burundi S.A, and Kenya. The Trust's majority of revenue is generated from its home country, Kenya.
68GF Score

Get the complete analysis for NAI:DTK

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

KES154.00
Price
KES72.75
GF Value