UniCredit Bank DD (XBLB:NBLB-R-B) ROE % Adjusted to Book Value: 94.37% (As of Dec. 2025)


XBLB:NBLB-R-B UniCredit Bank DD XBLB:NBLB-R-B
4 GF Score
Price BAM1,933.00
GF Value BAM2,491.73
! 3 Warning Signs
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What is UniCredit Bank DD ROE % Adjusted to Book Value?

UniCredit Bank DD XBLB:NBLB-R-B 4 ROE % Adjusted to Book Value is 94.37% as of Dec. 2025. GuruFocus rates XBLB:NBLB-R-B with a GF Score™ of 4/100 and a GF Value™ of BAM2,491.73. The stock has 3 warning signs investors should review.

UniCredit Bank DD's ROE % for the quarter that ended in Dec. 2025 was 17.93%. UniCredit Bank DD's PB Ratio for the quarter that ended in Dec. 2025 was 0.19. UniCredit Bank DD's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 94.37%.

UniCredit Bank DD ROE % Adjusted to Book Value Related Terms

UniCredit Bank DD ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for UniCredit Bank DD'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.

UniCredit Bank DD ROE % Adjusted to Book Value Chart

UniCredit Bank DD 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 35.69 51.61 81.54 85.45 94.37

UniCredit Bank DD Semi-Annual Data
Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 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 Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 35.69 51.61 81.54 85.45 94.37

XBLB:NBLB-R-B vs PNC, USB: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, UniCredit Bank DD'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.

UniCredit Bank DD ROE % Adjusted to Book Value vs Banks Industry

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

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


XBLB:NBLB-R-B
4GF Score
UniCredit Bank DD XBLB:NBLB-R-B
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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UniCredit Bank DD ROE % Adjusted to Book Value Calculation

UniCredit Bank DD'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
=17.93% / 0.19
=94.37%

UniCredit Bank DD'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
=17.93% / 0.19
=94.37%

* 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 94.37% mean?
UniCredit Bank DD (XBLB:NBLB-R-B) has a ROE % Adjusted to Book Value of 94.37% 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 UniCredit Bank DD and its competitors.
Is UniCredit Bank DD's ROE % Adjusted to Book Value too high?
UniCredit Bank DD's current ROE % Adjusted to Book Value is 94.37%. Overall, UniCredit Bank DD has a GF Score™ of 4/100, reflecting its overall financial health beyond just this single metric.
How does UniCredit Bank DD's ROE % Adjusted to Book Value compare to PNC and USB?
UniCredit Bank DD's ROE % Adjusted to Book Value of 94.37% 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 UniCredit Bank DD and its competitors. UniCredit Bank DD's current ROE % Adjusted to Book Value is 94.37%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UniCredit Bank DD stock overvalued right now?
UniCredit Bank DD (XBLB:NBLB-R-B) has a current ROE % Adjusted to Book Value of 94.37%. The stock's GF Value™ is BAM2,491.73, compared to a current price of BAM1,933.00 — trading 22.4% below its estimated fair value. The current ROE % Adjusted to Book Value is 94.37%. UniCredit Bank DD's overall GF Score™ is 4/100 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 UniCredit Bank DD (XBLB:NBLB-R-B), the current ROE % Adjusted to Book Value is 94.37% 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 UniCredit Bank DD (XBLB:NBLB-R-B) Overvalued in 2026?

Based on GuruFocus' analysis, UniCredit Bank DD stock appears to be undervalued. The current stock price of BAM1,933.00 is trading 22.4% below its estimated GF Value™ of BAM2,491.73.

Key valuation signals for XBLB:NBLB-R-B:

  • ROE % Adjusted to Book Value: 94.37%
  • GF Value™: BAM2,491.73 vs. price of BAM1,933.00 (22.4% below fair value)
  • GF Score™: 4/100 with 3 warning signs

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

UniCredit Bank DD Business Description

Address Kardinala Stepinca b.b, Mostar, BIH, 88000
UniCredit Bank DD is a joint-stock company in Bosnia and Herzegovina. It provides a full range of services including retail and corporate banking, risk operations, and finance and operating lease operations. The business segments of the company include Retail, Corporate and Investment Banking, Assets and Liabilities Management, and Central Unit. The company's business users comprise Entrepreneurs, Corporate clients, and Financial Institutions.
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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

BAM1,933.00
Price
BAM2,491.73
GF Value