Republic Financial Hol (TRN:RFHL) ROE % Adjusted to Book Value: 11.12% (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
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.

TRN:RFHL Republic Financial Hol Ltd TRN:RFHL
87 GF Score
Price TTD109.35
GF Value TTD128.50
Valuation Modestly Undervalued
View Full Analysis

What is Republic Financial Hol ROE % Adjusted to Book Value?

Republic Financial Hol TRN:RFHL +0.05% 87 ROE % Adjusted to Book Value is 11.12% as of Mar. 2026. GuruFocus rates TRN:RFHL with a GF Score™ of 87/100 and a GF Value™ of TTD128.50 (Modestly Undervalued).

Republic Financial Hol's ROE % for the quarter that ended in Mar. 2026 was 12.23%. Republic Financial Hol's PB Ratio for the quarter that ended in Mar. 2026 was 1.10. Republic Financial Hol's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 11.12%.


Republic Financial Hol ROE % Adjusted to Book Value Related Terms


Republic Financial Hol ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Republic Financial Hol'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.

Republic Financial Hol ROE % Adjusted to Book Value Chart

Republic Financial Hol Annual Data
Trend Sep17 Sep18 Sep19 Sep20 Sep21 Sep22 Sep23 Sep24 Sep25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only 6.25 6.84 9.18 11.38 13.28

Republic Financial Hol 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 10.23 10.92 16.43 14.30 11.12

TRN:RFHL vs PNC, USB: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Republic Financial Hol'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.


Republic Financial Hol ROE % Adjusted to Book Value vs Banks Industry

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

* The bar in red indicates where Republic Financial Hol's ROE % Adjusted to Book Value falls into.


TRN:RFHL
87GF Score
Republic Financial Hol Ltd TRN:RFHL
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Republic Financial Hol ROE % Adjusted to Book Value Calculation

Republic Financial Hol's ROE % Adjusted to Book Value for the fiscal year that ended in Sep. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=15.01% / 1.13
=13.28%

Republic Financial Hol'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
=12.23% / 1.10
=11.12%

* 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 11.12% mean?
Republic Financial Hol (TRN:RFHL) has a ROE % Adjusted to Book Value of 11.12% 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 Republic Financial Hol and its competitors.
Is Republic Financial Hol's ROE % Adjusted to Book Value too high?
Republic Financial Hol's current ROE % Adjusted to Book Value is 11.12%. Overall, Republic Financial Hol has a GF Score™ of 87/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Republic Financial Hol's ROE % Adjusted to Book Value compare to PNC and USB?
Republic Financial Hol's ROE % Adjusted to Book Value of 11.12% 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 Republic Financial Hol and its competitors. Republic Financial Hol's current ROE % Adjusted to Book Value is 11.12%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Republic Financial Hol stock overvalued right now?
Based on GuruFocus' analysis, Republic Financial Hol (TRN:RFHL) is currently considered Modestly Undervalued. The stock's GF Value™ is TTD128.50, compared to a current price of TTD109.35 — trading 14.9% below its estimated fair value. The current ROE % Adjusted to Book Value is 11.12%. Republic Financial Hol's overall GF Score™ is 87/100. 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 Republic Financial Hol (TRN:RFHL), the current ROE % Adjusted to Book Value is 11.12% 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 Republic Financial Hol (TRN:RFHL) Overvalued in 2026?

Based on GuruFocus' analysis, Republic Financial Hol stock appears to be undervalued. The current stock price of TTD109.35 is trading 14.9% below its estimated GF Value™ of TTD128.50. GuruFocus considers Republic Financial Hol to be Modestly Undervalued.

Key valuation signals for TRN:RFHL:

  • ROE % Adjusted to Book Value: 11.12%
  • GF Value™: TTD128.50 vs. price of TTD109.35 (14.9% below fair value)
  • GF Score™: 87/100

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


Republic Financial Hol Business Description

Address 9-17 Park Street, Republic House, 4th Floor, West Indies, Port of Spain, TTO
Republic Financial Hol Ltd is a financial services group comprising several subsidiaries and associated companies. The company is engaged in providing a wide range of banking, financial, and related services to retail and commercial banking customers, corporate clients, and governments. It operates in two segments: retail and commercial banking, which generates maximum revenue, and other financial services. The company operates in the following geographical segments: Trinidad & Tobago, Barbados, Suriname, Eastern Caribbean, Guyana, Ghana, Cayman Islands, and the British Virgin Islands. It derives key revenue from its operations in Trinidad & Tobago.
87GF Score

Get the complete analysis for TRN:RFHL

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

TTD109.35
Price
TTD128.50
GF Value