Abbey Mortgage Bank (NSA:ABBEYBANK) ROE % Adjusted to Book Value: 2.79% (As of Dec. 2025)

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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.
Reviewed by: Charlie Tian Charlie Tian
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.

NSA:ABBEYBANK Abbey Mortgage Bank PLC NSA:ABBEYBANK
35 GF Score
Price ₦9.40
GF Value ₦5.61
Valuation Significantly Overvalued
! 4 Warning Signs
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What is Abbey Mortgage Bank ROE % Adjusted to Book Value?

Abbey Mortgage Bank NSA:ABBEYBANK +3.30% 35 ROE % Adjusted to Book Value is 2.79% as of Dec. 2025. GuruFocus rates NSA:ABBEYBANK with a GF Score™ of 35/100 and a GF Value™ of ₦5.61 (Significantly Overvalued). The stock has 4 warning signs investors should review.

Abbey Mortgage Bank's ROE % for the quarter that ended in Dec. 2025 was 21.63%. Abbey Mortgage Bank's PB Ratio for the quarter that ended in Dec. 2025 was 7.76. Abbey Mortgage Bank's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 2.79%.


Abbey Mortgage Bank ROE % Adjusted to Book Value Related Terms


Abbey Mortgage Bank ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Abbey Mortgage 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.

Abbey Mortgage Bank ROE % Adjusted to Book Value Chart

Abbey Mortgage 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 7.96 4.67 4.07 3.64 2.79

Abbey Mortgage Bank Semi-Annual Data
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 7.96 4.67 4.07 3.64 2.79

NSA:ABBEYBANK vs PNC, USB: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Abbey Mortgage 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.


Abbey Mortgage Bank ROE % Adjusted to Book Value vs Banks Industry

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

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


NSA:ABBEYBANK
35GF Score
Abbey Mortgage Bank PLC NSA:ABBEYBANK
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Abbey Mortgage Bank ROE % Adjusted to Book Value Calculation

Abbey Mortgage 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
=21.63% / 7.76
=2.79%

Abbey Mortgage Bank's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=21.63% / 7.76
=2.79%

* 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 2.79% mean?
Abbey Mortgage Bank (NSA:ABBEYBANK) has a ROE % Adjusted to Book Value of 2.79% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Abbey Mortgage Bank and its competitors.
Is Abbey Mortgage Bank's ROE % Adjusted to Book Value too high?
Abbey Mortgage Bank's current ROE % Adjusted to Book Value is 2.79%. Overall, Abbey Mortgage Bank has a GF Score™ of 35/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Abbey Mortgage Bank's ROE % Adjusted to Book Value compare to PNC and USB?
Abbey Mortgage Bank's ROE % Adjusted to Book Value of 2.79% 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 Abbey Mortgage Bank and its competitors. Abbey Mortgage Bank's current ROE % Adjusted to Book Value is 2.79%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Abbey Mortgage Bank stock overvalued right now?
Based on GuruFocus' analysis, Abbey Mortgage Bank (NSA:ABBEYBANK) is currently considered Significantly Overvalued. The stock's GF Value™ is ₦5.61, compared to a current price of ₦9.40 — trading 67.6% above its estimated fair value. The current ROE % Adjusted to Book Value is 2.79%. Abbey Mortgage Bank's overall GF Score™ is 35/100 with 4 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 Abbey Mortgage Bank (NSA:ABBEYBANK), the current ROE % Adjusted to Book Value is 2.79% 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 Abbey Mortgage Bank (NSA:ABBEYBANK) Overvalued in 2026?

Based on GuruFocus' analysis, Abbey Mortgage Bank stock appears to be overvalued. The current stock price of ₦9.40 is trading 67.6% above its estimated GF Value™ of ₦5.61. GuruFocus considers Abbey Mortgage Bank to be Significantly Overvalued.

Key valuation signals for NSA:ABBEYBANK:

  • ROE % Adjusted to Book Value: 2.79%
  • GF Value™: ₦5.61 vs. price of ₦9.40 (67.6% above fair value)
  • GF Score™: 35/100 with 4 warning signs

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


Abbey Mortgage Bank Business Description

Address No 23, Karimu Kotun Street, Victoria Island, Lagos, NGA
Abbey Mortgage Bank PLC provides loan, mortgage, and banking services to corporate and individual customers. The Bank's operations are geographically divided into two segments based on its operations within northern and southern Nigeria The company offers a savings account, deposits, fund management services, personal loans, real estate and mortgage services, and construction financing, among others.
35GF Score

Get the complete analysis for NSA:ABBEYBANK

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

₦9.40
Price
₦5.61
GF Value