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.
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.
NCB Financial Group's ROE % for the quarter that ended in Dec. 2025 was 5.11%. NCB Financial Group's PB Ratio for the quarter that ended in Dec. 2025 was 0.51.
NCB Financial Group's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 10.02%.
NCB Financial Group ROE % Adjusted to Book Value Related Terms
NCB Financial Group ROE % Adjusted to Book Value Historical Data
* Premium members only.
The historical data trend for NCB Financial Group'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.
NCB Financial Group ROE % Adjusted to Book Value Chart
XJAM:NCBFG vs FRHC, VOYA: ROE % Adjusted to Book Value Comparison
For the Financial Conglomerates subindustry, NCB Financial Group'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.
NCB Financial Group ROE % Adjusted to Book Value vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, NCB Financial Group's ROE % Adjusted to Book Value distribution charts can be found below:
* The bar in red indicates where NCB Financial Group's ROE % Adjusted to Book Value falls into.
* 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 10.02% mean?
NCB Financial Group (XJAM:NCBFG) has a ROE % Adjusted to Book Value of 10.02% 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 NCB Financial Group and its competitors.
Is NCB Financial Group's ROE % Adjusted to Book Value too high?
NCB Financial Group's current ROE % Adjusted to Book Value is 10.02%. Overall, NCB Financial Group has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NCB Financial Group's ROE % Adjusted to Book Value compare to FRHC and VOYA?
NCB Financial Group's ROE % Adjusted to Book Value of 10.02% can be compared against companies in the Diversified Financial Services 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 Diversified Financial Services company?
A good ROE % Adjusted to Book Value depends on the Diversified Financial Services 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 NCB Financial Group and its competitors. NCB Financial Group's current ROE % Adjusted to Book Value is 10.02%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NCB Financial Group stock overvalued right now?
Based on GuruFocus' analysis, NCB Financial Group (XJAM:NCBFG) is currently considered Significantly Overvalued. The stock's GF Value™ is JMD39.49, compared to a current price of JMD74.00 — trading 87.4% above its estimated fair value. The current ROE % Adjusted to Book Value is 10.02%. NCB Financial Group's overall GF Score™ is 60/100 with 6 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 NCB Financial Group (XJAM:NCBFG), the current ROE % Adjusted to Book Value is 10.02% 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 NCB Financial Group (XJAM:NCBFG) Overvalued in 2026?
Based on GuruFocus' analysis, NCB Financial Group stock appears to be overvalued.
The current stock price of JMD74.00 is trading 87.4% above its estimated GF Value™ of JMD39.49.
GuruFocus considers NCB Financial Group to be Significantly Overvalued.
Key valuation signals for XJAM:NCBFG:
ROE % Adjusted to Book Value: 10.02%
GF Value™: JMD39.49 vs. price of JMD74.00 (87.4% above fair value)
No single metric tells the full story. See the XJAM:NCBFG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NCB Financial Group Ltd provides financial services. Its segments comprise Banking and Investment Activities which includes Consumer & SME Banking, Corporate and Commerical Banking, Payment services, Treasury and Correspondent banking, Wealth, Asset management, and Investment Banking; And Insurance Activities Life and Health Insurance and pension Management, and General Insurance. Maximum revenue is from Life and Health Insurance and pension Management sector, with maximum profit from Jamaica and Trinidad and Tobago.
60GF Score
Get the complete analysis for XJAM:NCBFG
ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XJAM:NCBFG has been successfully added to your 
