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The historical rank and industry rank for National Bank of Fujairah PSC's ROE % or its related term are showing as below:
ADX:NBF'
s ROE % Range Over the Past 10 Years
Min: -7.91 Med: 10.19 Max: 16.68
Current: 16.68
During the past 13 years, National Bank of Fujairah PSC's highest ROE % was 16.68%. The lowest was -7.91%. And the median was 10.19%.
ADX:NBF's ROE % is ranked better than 85.95% of 1523
companies
in the Banks industry
Industry Median: 10.27
vs ADX:NBF: 16.68
National Bank of Fujairah PSC (ADX:NBF) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
National Bank of Fujairah PSC ROE % Related Terms
National Bank of Fujairah PSC ROE % Historical Data
* 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.
National Bank of Fujairah PSC ROE % Competitor Comparison
For the Banks - Regional subindustry, National Bank of Fujairah PSC's ROE %, along with its competitors' market caps and ROE % 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.
National Bank of Fujairah PSC ROE % vs Banks Industry
For the Banks industry and Financial Services sector, National Bank of Fujairah PSC's ROE % distribution charts can be found below:
* The bar in red indicates where National Bank of Fujairah PSC's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
National Bank of Fujairah PSC (ADX:NBF) has a ROE % of 17.36% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on National Bank of Fujairah PSC and its competitors. This is 70% above median its historical median of 10.19. According to the industry distribution chart, National Bank of Fujairah PSC ranks #214 out of 1523 companies in the Banks industry, placing it in the top 14.1%.
Is National Bank of Fujairah PSC's ROE % too high?
National Bank of Fujairah PSC's current ROE % of 17.36% is 70% above median its 10-year median of 10.19. The Banks industry median ROE % is 10.27. National Bank of Fujairah PSC's value of 17.36% is 69% above this industry median. Based on the distribution chart, National Bank of Fujairah PSC ranks #214 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, National Bank of Fujairah PSC has a GF Score™ of 56/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does National Bank of Fujairah PSC's ROE % compare to competitors?
According to the Banks industry distribution chart, National Bank of Fujairah PSC ranks #214 out of 1523 companies for ROE %. This places National Bank of Fujairah PSC in the top 14% of its industry — outperforming the majority of peers. The industry median ROE % is 10.27. National Bank of Fujairah PSC's value of 17.36% is 69% above this benchmark. While the company's 10-year median is 10.19 vs. the industry median of 10.27, National Bank of Fujairah PSC has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for a Banks company?
The median ROE % among Banks companies is 10.27, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. National Bank of Fujairah PSC's current ROE % of 17.36% is 69% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on National Bank of Fujairah PSC and its competitors. For the Banks industry, the median ROE % is 10.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Bank of Fujairah PSC's current ROE % is 17.36%, which is 70% above median its own 10-year median of 10.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Bank of Fujairah PSC stock overvalued right now?
Based on GuruFocus' analysis, National Bank of Fujairah PSC (ADX:NBF) is currently considered Fairly Valued. The stock's GF Value™ is د.إ5.15, compared to a current price of د.إ5.00 — trading 2.9% below its estimated fair value. The current ROE % is 17.36%, which is 70% above median its 10-year median of 10.19 and 69% above the Banks industry median of 10.27. National Bank of Fujairah PSC's overall GF Score™ is 56/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For National Bank of Fujairah PSC (ADX:NBF), the current ROE % is 17.36% 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 National Bank of Fujairah PSC (ADX:NBF) Overvalued in 2026?
Based on GuruFocus' analysis, National Bank of Fujairah PSC stock appears to be undervalued.
The current stock price of د.إ5.00 is trading 2.9% below its estimated GF Value™ of د.إ5.15.
GuruFocus considers National Bank of Fujairah PSC to be Fairly Valued.
Key valuation signals for ADX:NBF:
ROE %: 17.36% (70% above median its 10-year median of 10.19)
GF Value™: د.إ5.15 vs. price of د.إ5.00 (2.9% below fair value)
Industry Position: 69% above the Banks median (#214 of 1523)
No single metric tells the full story. See the ADX:NBF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
National Bank of Fujairah PSC Business Description
National Bank of Fujairah PSC is a UAE-based commercial bank. It provides commercial banking products and services in the United Arab Emirates. The group conducts its activity through segments namely, Corporate and Institutional Banking; Business Banking, Retail Banking; and Treasury, Asset and Liability Management and others. Its products and services include current, savings and fixed deposit, and personal, auto, home, and construction loans, as well as guarantees, overdrafts, and term lending solutions. The company's majority of the revenue is generated from the Business Banking segment which offers a products and services including credit and trade finance products, and services to small and medium sized customers through separate units and accepts deposits.
56GF Score
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