Saudi National Bank (SAU:1180) ROE % Adjusted to Book Value: 10.61% (As of Mar. 2026)


SAU:1180 Saudi National Bank SAU:1180
73 GF Score
Price ﷼38.36
GF Value ﷼39.71
Valuation Fairly Valued
! 3 Warning Signs
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What is Saudi National Bank ROE % Adjusted to Book Value?

Saudi National Bank SAU:1180 -0.05% 73 ROE % Adjusted to Book Value is 10.61% as of Mar. 2026. GuruFocus rates SAU:1180 with a GF Score™ of 73/100 and a GF Value™ of ﷼39.71 (Fairly Valued). The stock has 3 warning signs investors should review.

Saudi National Bank's ROE % for the quarter that ended in Mar. 2026 was 12.31%. Saudi National Bank's PB Ratio for the quarter that ended in Mar. 2026 was 1.16. Saudi National Bank's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 10.61%.


Saudi National Bank ROE % Adjusted to Book Value Related Terms


Saudi National Bank ROE % Adjusted to Book Value Historical Data

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The historical data trend for Saudi National 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.

Saudi National Bank ROE % Adjusted to Book Value Chart

Saudi National 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 5.96 8.39 8.94 11.17 11.39

Saudi National 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 11.35 11.52 11.14 11.51 10.61

SAU:1180 vs PNC: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Saudi National 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.


Saudi National Bank ROE % Adjusted to Book Value vs Banks Industry

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

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


SAU:1180
73GF Score
Saudi National Bank SAU:1180
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Saudi National Bank ROE % Adjusted to Book Value Calculation

Saudi National 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
=12.64% / 1.11
=11.39%

Saudi National 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
=12.31% / 1.16
=10.61%

* 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 10.61% mean?
Saudi National Bank (SAU:1180) has a ROE % Adjusted to Book Value of 10.61% 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 Saudi National Bank and its competitors.
Is Saudi National Bank's ROE % Adjusted to Book Value too high?
Saudi National Bank's current ROE % Adjusted to Book Value is 10.61%. Overall, Saudi National Bank has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Saudi National Bank's ROE % Adjusted to Book Value compare to PNC?
Saudi National Bank's ROE % Adjusted to Book Value of 10.61% 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 Saudi National Bank and its competitors. Saudi National Bank's current ROE % Adjusted to Book Value is 10.61%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Saudi National Bank stock overvalued right now?
Based on GuruFocus' analysis, Saudi National Bank (SAU:1180) is currently considered Fairly Valued. The stock's GF Value™ is ﷼39.71, compared to a current price of ﷼38.36 — trading 3.4% below its estimated fair value. The current ROE % Adjusted to Book Value is 10.61%. Saudi National Bank's overall GF Score™ is 73/100 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 Saudi National Bank (SAU:1180), the current ROE % Adjusted to Book Value is 10.61% 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 Saudi National Bank (SAU:1180) Overvalued in 2026?

Based on GuruFocus' analysis, Saudi National Bank stock appears to be undervalued. The current stock price of ﷼38.36 is trading 3.4% below its estimated GF Value™ of ﷼39.71. GuruFocus considers Saudi National Bank to be Fairly Valued.

Key valuation signals for SAU:1180:

  • ROE % Adjusted to Book Value: 10.61%
  • GF Value™: ﷼39.71 vs. price of ﷼38.36 (3.4% below fair value)
  • GF Score™: 73/100 with 3 warning signs

No single metric tells the full story. See the SAU:1180 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Saudi National Bank Business Description

Address King Fahd Road, Unit No. 778, The Saudi National Bank Tower, 3208 - Al Aqeeq District, King Abdullah Financial District, Riyadh, SAU, 13519 - 6676
Saudi National Bank is a financial institution in Saudi Arabia. It provides a range of banking and investment management services. The company also provides non-special commission based banking products in compliance with Shariah rules. It has four reportable segments: Retail, Wholesale, Capital Market, and International. The majority of the company's revenue is derived from the Wholesale segment, which provides banking services including all conventional credit-related products as well as financing products to small sized businesses, medium and large establishments and companies. Geographically, it has a presence in the Kingdom of Saudi Arabia, GCC and Middle East, Europe, Turkey, North America and Other countries.
73GF Score

Get the complete analysis for SAU:1180

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

﷼38.36
Price
﷼39.71
GF Value