BKQNF (Bank of Queensland) ROE %: 4.80% (As of Feb. 2026) — 28% Below Median


BKQNF Bank of Queensland Ltd BKQNF
59 GF Score
Price $3.91
GF Value $4.00
! 2 Warning Signs
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What is Bank of Queensland ROE %?

Bank of Queensland BKQNF +0.26% 59 ROE % is 4.80% as of Feb. 2026, which is 28% below its 10-year median of 6.71. GuruFocus rates BKQNF with a GF Score™ of 59/100 and a GF Value™ of $4.00. The stock has 2 warning signs investors should review. Among 1,524 Banks companies, Bank of Queensland ranks worse than 92.85% on this metric.

ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Bank of Queensland's annualized net income for the quarter that ended in Feb. 2026 was $192 Mil. Bank of Queensland's average Total Stockholders Equity over the quarter that ended in Feb. 2026 was $4,000 Mil. Therefore, Bank of Queensland's annualized ROE % for the quarter that ended in Feb. 2026 was 4.80%.

The historical rank and industry rank for Bank of Queensland's ROE % or its related term are showing as below:

BKQNF' s ROE % Range Over the Past 10 Years
Min: 1.65   Med: 6.71   Max: 9.58
Current: 1.65

During the past 13 years, Bank of Queensland's highest ROE % was 9.58%. The lowest was 1.65%. And the median was 6.71%.

BKQNF's ROE % is ranked worse than
92.85% of 1524 companies
in the Banks industry
Industry Median: 10.22 vs BKQNF: 1.65

Bank of Queensland  (OTCPK:BKQNF) 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:

ROE %(Q: Feb. 2026 )
=Net Income/Total Stockholders Equity
=192.09/3999.778
=(Net Income / Revenue )*(Revenue / Total Assets)*(Total Assets / Total Stockholders Equity)
=(192.09 / 1179.378)*(1179.378 / 67349.823)*(67349.823 / 3999.778)
=Net Margin %*Asset Turnover*Equity Multiplier
=16.29 %*0.0175*16.8384
=ROA %*Equity Multiplier
=0.29 %*16.8384
=4.80 %

With this breakdown, it is clear that if a company grows its Net Profit Margin, its Asset Turnover, or its Leverage, it can grow its ROE %.

The factors that affect a company's ROE % can also be illustrated with the five-step DuPont Analysis:

ROE %(Q: Feb. 2026 )
=Net Income/Total Stockholders Equity
=192.09/3999.778
=(Net Income / Pre-Tax Income) * (Pre-Tax Income / Revenue) * (Revenue / Total Assets) * (Total Assets / Total Stockholders Equity)
= (192.09 / 296.61) * (296.61 / 1179.378) * (1179.378 / 67349.823) * (67349.823 / 3999.778)
= Tax Burden * Pretax Margin % * Asset Turnover * Equity Multiplier
= 0.6476 * 25.15 % * 0.0175 * 16.8384
=4.80 %

Note: The net income data used here is two times the semi-annual (Feb. 2026) net income data. The Revenue data used here is two times the semi-annual (Feb. 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.


Bank of Queensland ROE % Related Terms


Bank of Queensland ROE % Historical Data

* Premium members only.

The historical data trend for Bank of Queensland's ROE % 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.

Bank of Queensland ROE % Chart

Bank of Queensland Annual Data
Trend Aug16 Aug17 Aug18 Aug19 Aug20 Aug21 Aug22 Aug23 Aug24 Aug25
ROE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.10 6.21 1.87 4.75 2.20

Bank of Queensland Semi-Annual Data
Aug16 Feb17 Aug17 Feb18 Aug18 Feb19 Aug19 Feb20 Aug20 Feb21 Aug21 Feb22 Aug22 Feb23 Aug23 Feb24 Aug24 Feb25 Aug25 Feb26
ROE % 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 4.99 4.51 5.51 -1.29 4.80

BKQNF vs PNC, USB: ROE % Comparison

For the Banks - Regional subindustry, Bank of Queensland'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.


Bank of Queensland ROE % vs Banks Industry

For the Banks industry and Financial Services sector, Bank of Queensland's ROE % distribution charts can be found below:

* The bar in red indicates where Bank of Queensland's ROE % falls into.


BKQNF
59GF Score
Bank of Queensland Ltd BKQNF
ROE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank of Queensland ROE % Calculation

Bank of Queensland's annualized ROE % for the fiscal year that ended in Aug. 2025 is calculated as

ROE %=Net Income (A: Aug. 2025 )/( (Total Stockholders Equity (A: Aug. 2024 )+Total Stockholders Equity (A: Aug. 2025 ))/ count )
=86.364/( (4005.992+3835.714)/ 2 )
=86.364/3920.853
=2.20 %

Bank of Queensland's annualized ROE % for the quarter that ended in Feb. 2026 is calculated as

ROE %=Net Income (Q: Feb. 2026 )/( (Total Stockholders Equity (Q: Aug. 2025 )+Total Stockholders Equity (Q: Feb. 2026 ))/ count )
=192.09/( (3835.714+4163.842)/ 2 )
=192.09/3999.778
=4.80 %

* 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 two times the semi-annual (Feb. 2026) net income data. ROE % is displayed in the 30-year financial page.

Frequently Asked Questions Learn more about ROE % →
What does a ROE % of 4.80% mean?
Bank of Queensland (BKQNF) has a ROE % of 4.80% as of Feb. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Bank of Queensland and its competitors. This is 28% below median its historical median of 6.71. Over the past decade, Bank of Queensland's ROE % has ranged from 1.65 to 9.58. According to the industry distribution chart, Bank of Queensland ranks #1415 out of 1524 companies in the Banks industry, placing it in the top 92.8%.
Is Bank of Queensland's ROE % too high?
Bank of Queensland's current ROE % of 4.80% is 28% below median its 10-year median of 6.71. Over the past 10 years, this metric has ranged from a low of 1.65 to a high of 9.58. The Banks industry median ROE % is 10.22. Bank of Queensland's value of 4.80% is 53% below this industry median. Based on the distribution chart, Bank of Queensland ranks #1415 out of 1524 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Bank of Queensland has a GF Score™ of 59/100, reflecting its overall financial health beyond just this single metric.
How does Bank of Queensland's ROE % compare to PNC and USB?
According to the Banks industry distribution chart, Bank of Queensland ranks #1415 out of 1524 companies for ROE %. This places Bank of Queensland in the lower half of its industry. The industry median ROE % is 10.22. Bank of Queensland's value of 4.80% is 53% below this benchmark. Historically, Bank of Queensland's own ROE % has ranged from 1.65 to 9.58 over the past decade. While the company's 10-year median is 6.71 vs. the industry median of 10.22, Bank of Queensland 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 1,524 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. Bank of Queensland's current ROE % of 4.80% is 53% 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 Bank of Queensland 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. Bank of Queensland's current ROE % is 4.80%, which is 28% below median its own 10-year median of 6.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of Queensland stock overvalued right now?
Bank of Queensland (BKQNF) has a current ROE % of 4.80%. The stock's GF Value™ is $4.00, compared to a current price of $3.91 — trading 2.3% below its estimated fair value. The current ROE % is 4.80%, which is 28% below median its 10-year median of 6.71 and 53% below the Banks industry median of 10.22. Bank of Queensland's overall GF Score™ is 59/100 with 2 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 Bank of Queensland (BKQNF), the current ROE % is 4.80% as of Feb. 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 Bank of Queensland (BKQNF) Overvalued in 2026?

Based on GuruFocus' analysis, Bank of Queensland stock appears to be undervalued. The current stock price of $3.91 is trading 2.3% below its estimated GF Value™ of $4.00.

Key valuation signals for BKQNF:

  • ROE %: 4.80% (28% below median its 10-year median of 6.71)
  • GF Value™: $4.00 vs. price of $3.91 (2.3% below fair value)
  • GF Score™: 59/100 with 2 warning signs
  • Industry Position: 53% below the Banks median (#1415 of 1524)

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


Bank of Queensland Business Description

Address 100 Skyring Terrace, Level 3, Newstead, QLD, AUS, 4006
Bank of Queensland is an Australia-based bank offering home loans, personal finance, and commercial loans. In addition to BOQ branded services, the bank is the owner of Virgin Money Australia and Me Bank. Its BOQ business includes the BOQ branded commercial lending activity, BOQ Finance and BOQ Specialist businesses. The division provides tailored business banking solutions including commercial lending, equipment finance and leasing, cash flow finance, foreign exchange, interest rate hedging, transaction banking, and deposit solutions for commercial customers.
59GF Score

Get the complete analysis for BKQNF

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

$3.91
Price
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