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Bank of Tianjin CoFRA:B95 55 ROE % is 5.07% as of Jun. 2026, which is 30% below its 10-year median of 7.29. GuruFocus rates FRA:B95 with a GF Score™ of 55/100 and a GF Value™ of €0.21. The stock has 4 warning signs investors should review. Among 1,517 Banks companies, Bank of Tianjin Co ranks worse than 80.75% on this metric.
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 two times the semi-annual (Jun. 2026) net income data. The Revenue data used here is two times the semi-annual (Jun. 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 Tianjin Co ROE % Related Terms
Bank of Tianjin Co ROE % Historical Data
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The historical data trend for Bank of Tianjin Co'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.
For the Banks - Regional subindustry, Bank of Tianjin Co'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 Tianjin Co ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Bank of Tianjin Co's ROE % distribution charts can be found below:
* The bar in red indicates where Bank of Tianjin Co'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 two times the semi-annual (Jun. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Bank of Tianjin Co (FRA:B95) has a ROE % of 5.07% as of Jun. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Bank of Tianjin Co and its competitors. This is 30% below median its historical median of 7.29. Over the past decade, Bank of Tianjin Co's ROE % has ranged from 5.32 to 11.73. According to the industry distribution chart, Bank of Tianjin Co ranks #1225 out of 1517 companies in the Banks industry, placing it in the top 80.8%.
Is Bank of Tianjin Co's ROE % too high?
Bank of Tianjin Co's current ROE % of 5.07% is 30% below median its 10-year median of 7.29. Over the past 10 years, this metric has ranged from a low of 5.32 to a high of 11.73. The Banks industry median ROE % is 10.48. Bank of Tianjin Co's value of 5.07% is 51.6% below this industry median. Based on the distribution chart, Bank of Tianjin Co ranks #1225 out of 1517 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Bank of Tianjin Co has a GF Score™ of 55/100, reflecting its overall financial health beyond just this single metric.
How does Bank of Tianjin Co's ROE % compare to competitors?
According to the Banks industry distribution chart, Bank of Tianjin Co ranks #1225 out of 1517 companies for ROE %. This places Bank of Tianjin Co in the lower half of its industry. The industry median ROE % is 10.48. Bank of Tianjin Co's value of 5.07% is 51.6% below this benchmark. Historically, Bank of Tianjin Co's own ROE % has ranged from 5.32 to 11.73 over the past decade. While the company's 10-year median is 7.29 vs. the industry median of 10.48, Bank of Tianjin Co 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 10.48, based on 1,517 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 Tianjin Co's current ROE % of 5.07% is 51.6% 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 Tianjin Co and its competitors. For the Banks industry, the median ROE % is 10.48 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of Tianjin Co's current ROE % is 5.07%, which is 30% below median its own 10-year median of 7.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of Tianjin Co stock overvalued right now?
Bank of Tianjin Co (FRA:B95) has a current ROE % of 5.07%. The stock's GF Value™ is €0.21, compared to a current price of €0.21 — trading 1.9% above its estimated fair value. The current ROE % is 5.07%, which is 30% below median its 10-year median of 7.29 and 51.6% below the Banks industry median of 10.48. Bank of Tianjin Co's overall GF Score™ is 55/100 with 4 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 Tianjin Co (FRA:B95), the current ROE % is 5.07% as of Jun. 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 Tianjin Co (FRA:B95) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of Tianjin Co stock appears to be overvalued.
The current stock price of €0.21 is trading 1.9% above its estimated GF Value™ of €0.21.
Key valuation signals for FRA:B95:
ROE %: 5.07% (30% below median its 10-year median of 7.29)
GF Value™: €0.21 vs. price of €0.21 (1.9% above fair value)
Industry Position: 51.6% below the Banks median (#1225 of 1517)
No single metric tells the full story. See the FRA:B95 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank of Tianjin Co Ltd is engaged in corporate banking, personal banking, treasury operations, and other financial services, providing a diversified range of banking products and services. The corporate banking segment, which generates maximum revenue, offers loans, trade financing, deposit-taking, and intermediary services to corporations, government agencies, and financial institutions. The personal banking segment provides loans, deposits, card business, wealth management, and intermediary services to individual customers. The treasury operations segment conducts money market, foreign exchange, precious metals, and derivatives transactions, and debt instrument investments for its own accounts or on behalf of customers.
55GF Score
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