Fidelity Bank (NSA:FBP) ROE % Adjusted to Book Value: 27.68% (As of Mar. 2026)


NSA:FBP Fidelity Bank PLC NSA:FBP
71 GF Score
Price ₦18.20
GF Value ₦14.14
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Fidelity Bank ROE % Adjusted to Book Value?

Fidelity Bank NSA:FBP 71 ROE % Adjusted to Book Value is 27.68% as of Mar. 2026. GuruFocus rates NSA:FBP with a GF Score™ of 71/100 and a GF Value™ of ₦14.14 (Modestly Overvalued). The stock has 4 warning signs investors should review.

Fidelity Bank's ROE % for the quarter that ended in Mar. 2026 was 24.08%. Fidelity Bank's PB Ratio for the quarter that ended in Mar. 2026 was 0.87. Fidelity Bank's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 27.68%.


Fidelity Bank ROE % Adjusted to Book Value Related Terms


Fidelity Bank ROE % Adjusted to Book Value Historical Data

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The historical data trend for Fidelity 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.

Fidelity Bank ROE % Adjusted to Book Value Chart

Fidelity 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 31.81 38.95 33.49 67.19 22.20

Fidelity 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 61.23 16.77 28.06 10.44 27.68

Fidelity Bank ROE % Adjusted to Book Value Competitor Comparison

For the Banks - Regional subindustry, Fidelity 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.


Fidelity Bank ROE % Adjusted to Book Value vs Banks Industry

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

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


NSA:FBP
71GF Score
Fidelity Bank PLC NSA:FBP
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Fidelity Bank ROE % Adjusted to Book Value Calculation

Fidelity 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
=24.42% / 1.10
=22.20%

Fidelity 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
=24.08% / 0.87
=27.68%

* 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 27.68% mean?
Fidelity Bank (NSA:FBP) has a ROE % Adjusted to Book Value of 27.68% 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 Fidelity Bank and its competitors.
Is Fidelity Bank's ROE % Adjusted to Book Value too high?
Fidelity Bank's current ROE % Adjusted to Book Value is 27.68%. Overall, Fidelity Bank has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Fidelity Bank's ROE % Adjusted to Book Value compare to competitors?
Fidelity Bank's ROE % Adjusted to Book Value of 27.68% 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 Fidelity Bank and its competitors. Fidelity Bank's current ROE % Adjusted to Book Value is 27.68%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fidelity Bank stock overvalued right now?
Based on GuruFocus' analysis, Fidelity Bank (NSA:FBP) is currently considered Modestly Overvalued. The stock's GF Value™ is ₦14.14, compared to a current price of ₦18.20 — trading 28.7% above its estimated fair value. The current ROE % Adjusted to Book Value is 27.68%. Fidelity Bank's overall GF Score™ is 71/100 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 Fidelity Bank (NSA:FBP), the current ROE % Adjusted to Book Value is 27.68% 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 Fidelity Bank (NSA:FBP) Overvalued in 2026?

Based on GuruFocus' analysis, Fidelity Bank stock appears to be overvalued. The current stock price of ₦18.20 is trading 28.7% above its estimated GF Value™ of ₦14.14. GuruFocus considers Fidelity Bank to be Modestly Overvalued.

Key valuation signals for NSA:FBP:

  • ROE % Adjusted to Book Value: 27.68%
  • GF Value™: ₦14.14 vs. price of ₦18.20 (28.7% above fair value)
  • GF Score™: 71/100 with 4 warning signs

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


Fidelity Bank Business Description

Address 1 Fidelity Bank Close Off Kofo Abayomi Street, Fidelity Place, Victoria Island, Lagos, NGA
Fidelity Bank PLC offers banking and other financial services to corporate and individual customers. It operates through segments including Retail banking that offers retail, personal and commercial services to individuals, small and medium business customers and E-Business products to serve retail banking; Its Corporate Banking segment offers commercial and corporate banking services to corporate business customers, it covers the Power and Infrastructure, Oil and Gas Upstream and downstream, Real Estate, Agro-Allied, and other industries; and Investment banking segment is involved in the funding and management of the bank's securities, trading, and investment decisions. It generates maximum revenue from the Retail Segment.
71GF Score

Get the complete analysis for NSA:FBP

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

₦18.20
Price
₦14.14
GF Value