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ADX:NBQ's ROE % is ranked worse than 61.11% of 1525
companies
in the Banks industry
Industry Median: 10.22
vs ADX:NBQ: 8.73
National Bank of Umm Al-Qaiwain PSC (ADX:NBQ) 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 Umm Al-Qaiwain PSC ROE % Related Terms
National Bank of Umm Al-Qaiwain 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 Umm Al-Qaiwain PSC ROE % Competitor Comparison
For the Banks - Regional subindustry, National Bank of Umm Al-Qaiwain 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 Umm Al-Qaiwain PSC ROE % vs Banks Industry
* 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 Umm Al-Qaiwain PSC (ADX:NBQ) has a ROE % of 9.48% 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 Umm Al-Qaiwain PSC and its competitors. This is near median its historical median of 8.88. Over the past decade, National Bank of Umm Al-Qaiwain PSC's ROE % has ranged from 4.47 to 9.47. According to the industry distribution chart, National Bank of Umm Al-Qaiwain PSC ranks #932 out of 1525 companies in the Banks industry, placing it in the top 61.1%.
Is National Bank of Umm Al-Qaiwain PSC's ROE % too high?
National Bank of Umm Al-Qaiwain PSC's current ROE % of 9.48% is near median its 10-year median of 8.88. Over the past 10 years, this metric has ranged from a low of 4.47 to a high of 9.47. The Banks industry median ROE % is 10.22. National Bank of Umm Al-Qaiwain PSC's value of 9.48% is 7.2% below this industry median. Based on the distribution chart, National Bank of Umm Al-Qaiwain PSC ranks #932 out of 1525 companies in the Banks industry, which is below the industry midpoint. Overall, National Bank of Umm Al-Qaiwain PSC has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Bank of Umm Al-Qaiwain PSC's ROE % compare to competitors?
According to the Banks industry distribution chart, National Bank of Umm Al-Qaiwain PSC ranks #932 out of 1525 companies for ROE %. This places National Bank of Umm Al-Qaiwain PSC in the lower half of its industry. The industry median ROE % is 10.22. National Bank of Umm Al-Qaiwain PSC's value of 9.48% is 7.2% below this benchmark. Historically, National Bank of Umm Al-Qaiwain PSC's own ROE % has ranged from 4.47 to 9.47 over the past decade. While the company's 10-year median is 8.88 vs. the industry median of 10.22, National Bank of Umm Al-Qaiwain PSC has consistently been below 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 10.22, based on 1,525 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 Umm Al-Qaiwain PSC's current ROE % of 9.48% is 7.2% below 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 Umm Al-Qaiwain PSC and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Bank of Umm Al-Qaiwain PSC's current ROE % is 9.48%, which is near median its own 10-year median of 8.88. 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 Umm Al-Qaiwain PSC stock overvalued right now?
Based on GuruFocus' analysis, National Bank of Umm Al-Qaiwain PSC (ADX:NBQ) is currently considered Modestly Overvalued. The stock's GF Value™ is د.إ2.60, compared to a current price of د.إ2.93 — trading 12.7% above its estimated fair value. The current ROE % is 9.48%, which is near median its 10-year median of 8.88 and 7.2% below the Banks industry median of 10.22. National Bank of Umm Al-Qaiwain PSC's overall GF Score™ is 56/100. 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 Umm Al-Qaiwain PSC (ADX:NBQ), the current ROE % is 9.48% 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 Umm Al-Qaiwain PSC (ADX:NBQ) Overvalued in 2026?
Based on GuruFocus' analysis, National Bank of Umm Al-Qaiwain PSC stock appears to be overvalued.
The current stock price of د.إ2.93 is trading 12.7% above its estimated GF Value™ of د.إ2.60.
GuruFocus considers National Bank of Umm Al-Qaiwain PSC to be Modestly Overvalued.
Key valuation signals for ADX:NBQ:
ROE %: 9.48% (near median its 10-year median of 8.88)
GF Value™: د.إ2.60 vs. price of د.إ2.93 (12.7% above fair value)
Industry Position: 7.2% below the Banks median (#932 of 1525)
No single metric tells the full story. See the ADX:NBQ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
National Bank of Umm Al-Qaiwain PSC Business Description
National Bank of Umm Al-Qaiwain PSC provides banking services. The company operates in these segments: Retail and Corporate Banking, Treasury and Investments, and others. The majority of its revenue comes from the Treasury and Investments segment, which comprises dealing room-related money markets, and foreign exchange transactions with other banks and financial institutions.
56GF Score
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