Komercijalna Banka AD Skopje (XMAE:KMB) ROE % Adjusted to Book Value: 8.44% (As of Sep. 2025)

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XMAE:KMB Komercijalna Banka AD Skopje XMAE:KMB
65 GF Score
Price MKD25,300.00
GF Value MKD27,961.18
Valuation Fairly Valued
! 3 Warning Signs
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What is Komercijalna Banka AD Skopje ROE % Adjusted to Book Value?

Komercijalna Banka AD Skopje XMAE:KMB +0.79% 65 ROE % Adjusted to Book Value is 8.44% as of Sep. 2025. GuruFocus rates XMAE:KMB with a GF Score™ of 65/100 and a GF Value™ of MKD27,961.18 (Fairly Valued). The stock has 3 warning signs investors should review.

Komercijalna Banka AD Skopje's ROE % for the quarter that ended in Sep. 2025 was 23.80%. Komercijalna Banka AD Skopje's PB Ratio for the quarter that ended in Sep. 2025 was 2.82. Komercijalna Banka AD Skopje's ROE % Adjusted to Book Value for the quarter that ended in Sep. 2025 was 8.44%.


Komercijalna Banka AD Skopje ROE % Adjusted to Book Value Related Terms


Komercijalna Banka AD Skopje ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Komercijalna Banka AD Skopje'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.

Komercijalna Banka AD Skopje ROE % Adjusted to Book Value Chart

Komercijalna Banka AD Skopje Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 11.87 9.05 8.26 11.89 8.23

Komercijalna Banka AD Skopje Quarterly Data
Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25
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 11.94 3.30 8.68 9.32 8.44

XMAE:KMB vs PNC, USB: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Komercijalna Banka AD Skopje'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.


Komercijalna Banka AD Skopje ROE % Adjusted to Book Value vs Banks Industry

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

* The bar in red indicates where Komercijalna Banka AD Skopje's ROE % Adjusted to Book Value falls into.


XMAE:KMB
65GF Score
Komercijalna Banka AD Skopje XMAE:KMB
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Komercijalna Banka AD Skopje ROE % Adjusted to Book Value Calculation

Komercijalna Banka AD Skopje's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2024 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=25.36% / 3.08
=8.23%

Komercijalna Banka AD Skopje's ROE % Adjusted to Book Value for the quarter that ended in Sep. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=23.80% / 2.82
=8.44%

* 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 8.44% mean?
Komercijalna Banka AD Skopje (XMAE:KMB) has a ROE % Adjusted to Book Value of 8.44% as of Sep. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Komercijalna Banka AD Skopje and its competitors.
Is Komercijalna Banka AD Skopje's ROE % Adjusted to Book Value too high?
Komercijalna Banka AD Skopje's current ROE % Adjusted to Book Value is 8.44%. Overall, Komercijalna Banka AD Skopje has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Komercijalna Banka AD Skopje's ROE % Adjusted to Book Value compare to PNC and USB?
Komercijalna Banka AD Skopje's ROE % Adjusted to Book Value of 8.44% 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 Komercijalna Banka AD Skopje and its competitors. Komercijalna Banka AD Skopje's current ROE % Adjusted to Book Value is 8.44%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Komercijalna Banka AD Skopje stock overvalued right now?
Based on GuruFocus' analysis, Komercijalna Banka AD Skopje (XMAE:KMB) is currently considered Fairly Valued. The stock's GF Value™ is MKD27,961.18, compared to a current price of MKD25,300.00 — trading 9.5% below its estimated fair value. The current ROE % Adjusted to Book Value is 8.44%. Komercijalna Banka AD Skopje's overall GF Score™ is 65/100 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 Komercijalna Banka AD Skopje (XMAE:KMB), the current ROE % Adjusted to Book Value is 8.44% as of Sep. 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 Komercijalna Banka AD Skopje (XMAE:KMB) Overvalued in 2026?

Based on GuruFocus' analysis, Komercijalna Banka AD Skopje stock appears to be undervalued. The current stock price of MKD25,300.00 is trading 9.5% below its estimated GF Value™ of MKD27,961.18. GuruFocus considers Komercijalna Banka AD Skopje to be Fairly Valued.

Key valuation signals for XMAE:KMB:

  • ROE % Adjusted to Book Value: 8.44%
  • GF Value™: MKD27,961.18 vs. price of MKD25,300.00 (9.5% below fair value)
  • GF Score™: 65/100 with 3 warning signs

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


Komercijalna Banka AD Skopje Business Description

Address St.Orce Nikolov Street no. 3, P.O. Box 563, Skopje, MKD, 1000
Komercijalna Banka AD Skopje is a commercial bank. The principal activities of the bank are - collecting deposits, placing loans and advances domestically and abroad, factoring and financing commercial transactions, foreign exchange operations, fast money transfer, trading with foreign currencies, trading with securities, services of a bank-custodian of investment and pension funds, intermediating in selling insurance policies, data collection and analysis of company's credit rating, and many others. It operates in the Republic of Macedonia, Europe, and other EU member countries.
65GF Score

Get the complete analysis for XMAE:KMB

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

MKD25,300.00
Price
MKD27,961.18
GF Value