Jyoti Bikas Bank (XNEP:JBBL) ROE % Adjusted to Book Value: 8.28% (As of Apr. 2026)

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XNEP:JBBL Jyoti Bikas Bank Ltd XNEP:JBBL
72 GF Score
Price NPR339.00
GF Value NPR329.48
Valuation Fairly Valued
! 3 Warning Signs
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What is Jyoti Bikas Bank ROE % Adjusted to Book Value?

Jyoti Bikas Bank XNEP:JBBL -0.94% 72 ROE % Adjusted to Book Value is 8.28% as of Apr. 2026. GuruFocus rates XNEP:JBBL with a GF Score™ of 72/100 and a GF Value™ of NPR329.48 (Fairly Valued). The stock has 3 warning signs investors should review.

Jyoti Bikas Bank's ROE % for the quarter that ended in Apr. 2026 was 18.22%. Jyoti Bikas Bank's PB Ratio for the quarter that ended in Apr. 2026 was 2.20. Jyoti Bikas Bank's ROE % Adjusted to Book Value for the quarter that ended in Apr. 2026 was 8.28%.

Jyoti Bikas Bank ROE % Adjusted to Book Value Related Terms

Jyoti Bikas Bank ROE % Adjusted to Book Value Historical Data

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The historical data trend for Jyoti Bikas 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.

Jyoti Bikas Bank ROE % Adjusted to Book Value Chart

Jyoti Bikas Bank Annual Data
Trend Jul16 Jul17 Jul18 Jul19 Jul20 Jul21 Jul22 Jul23 Jul24 Jul25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.82 4.72 2.10 1.05 0.70

Jyoti Bikas Bank Quarterly Data
Jul21 Oct21 Jan22 Apr22 Jul22 Oct22 Jan23 Apr23 Jul23 Oct23 Jan24 Apr24 Jul24 Oct24 Jan25 Apr25 Jul25 Oct25 Jan26 Apr26
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 1.64 -7.00 1.82 6.73 8.28

Jyoti Bikas Bank ROE % Adjusted to Book Value Competitor Comparison

For the Banks - Regional subindustry, Jyoti Bikas 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.

Jyoti Bikas Bank ROE % Adjusted to Book Value vs Banks Industry

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

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


XNEP:JBBL
72GF Score
Jyoti Bikas Bank Ltd XNEP:JBBL
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Jyoti Bikas Bank ROE % Adjusted to Book Value Calculation

Jyoti Bikas Bank's ROE % Adjusted to Book Value for the fiscal year that ended in Jul. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=1.75% / 2.50
=0.70%

Jyoti Bikas Bank's ROE % Adjusted to Book Value for the quarter that ended in Apr. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=18.22% / 2.20
=8.28%

* 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 8.28% mean?
Jyoti Bikas Bank (XNEP:JBBL) has a ROE % Adjusted to Book Value of 8.28% as of Apr. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Jyoti Bikas Bank and its competitors.
Is Jyoti Bikas Bank's ROE % Adjusted to Book Value too high?
Jyoti Bikas Bank's current ROE % Adjusted to Book Value is 8.28%. Overall, Jyoti Bikas Bank has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Jyoti Bikas Bank's ROE % Adjusted to Book Value compare to competitors?
Jyoti Bikas Bank's ROE % Adjusted to Book Value of 8.28% 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 Jyoti Bikas Bank and its competitors. Jyoti Bikas Bank's current ROE % Adjusted to Book Value is 8.28%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jyoti Bikas Bank stock overvalued right now?
Based on GuruFocus' analysis, Jyoti Bikas Bank (XNEP:JBBL) is currently considered Fairly Valued. The stock's GF Value™ is NPR329.48, compared to a current price of NPR339.00 — trading 2.9% above its estimated fair value. The current ROE % Adjusted to Book Value is 8.28%. Jyoti Bikas Bank's overall GF Score™ is 72/100 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 Jyoti Bikas Bank (XNEP:JBBL), the current ROE % Adjusted to Book Value is 8.28% as of Apr. 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 Jyoti Bikas Bank (XNEP:JBBL) Overvalued in 2026?

Based on GuruFocus' analysis, Jyoti Bikas Bank stock appears to be overvalued. The current stock price of NPR339.00 is trading 2.9% above its estimated GF Value™ of NPR329.48. GuruFocus considers Jyoti Bikas Bank to be Fairly Valued.

Key valuation signals for XNEP:JBBL:

  • ROE % Adjusted to Book Value: 8.28%
  • GF Value™: NPR329.48 vs. price of NPR339.00 (2.9% above fair value)
  • GF Score™: 72/100 with 3 warning signs

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

Jyoti Bikas Bank Business Description

Address Kamalpokhari, Kathmandu, NPL
Jyoti Bikas Bank Ltd provides standard banking services in Nepal. The company focuses on financing the development of hydropower and infrastructure and providing banking facilities to the general public for various purposes. The Bank operates in the following segments: Core Banking, Micro Finance, Treasury, and Digital Banking & Others. The majority of the revenue is generated from the Core Banking segment. All the revenues come from the domestic market.
72GF Score

Get the complete analysis for XNEP:JBBL

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

NPR339.00
Price
NPR329.48
GF Value