Komercni Banka ASKMERF 59 ROE % is 12.29% as of Mar. 2026, which is 12% below its 10-year median of 13.96. GuruFocus rates KMERF with a GF Score™ of 59/100 and a GF Value™ of $47.97. The stock has 4 warning signs investors should review. Among 1,523 Banks companies, Komercni Banka AS ranks better than 76.69% on this metric.
The historical rank and industry rank for Komercni Banka AS's ROE % or its related term are showing as below:
KMERF'
s ROE % Range Over the Past 10 Years
Min: 7.44 Med: 13.96 Max: 15.28
Current: 14.28
During the past 13 years, Komercni Banka AS's highest ROE % was 15.28%. The lowest was 7.44%. And the median was 13.96%.
KMERF's ROE % is ranked better than 76.69% of 1523
companies
in the Banks industry
Industry Median: 10.22
vs KMERF: 14.28
Komercni Banka AS (OTCPK:KMERF) 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.
Komercni Banka AS ROE % Related Terms
Komercni Banka AS ROE % Historical Data
* Premium members only.
The historical data trend for Komercni Banka AS'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, Komercni Banka AS'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.
Komercni Banka AS ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Komercni Banka AS's ROE % distribution charts can be found below:
* The bar in red indicates where Komercni Banka AS'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.
Komercni Banka AS (KMERF) has a ROE % of 12.29% 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 Komercni Banka AS and its competitors. This is 12% below median its historical median of 13.96. Over the past decade, Komercni Banka AS's ROE % has ranged from 7.44 to 15.28. According to the industry distribution chart, Komercni Banka AS ranks #355 out of 1523 companies in the Banks industry, placing it in the top 23.3%.
Is Komercni Banka AS's ROE % too high?
Komercni Banka AS's current ROE % of 12.29% is 12% below median its 10-year median of 13.96. Over the past 10 years, this metric has ranged from a low of 7.44 to a high of 15.28. The Banks industry median ROE % is 10.22. Komercni Banka AS's value of 12.29% is 20.3% above this industry median. Based on the distribution chart, Komercni Banka AS ranks #355 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Komercni Banka AS has a GF Score™ of 59/100, reflecting its overall financial health beyond just this single metric.
How does Komercni Banka AS's ROE % compare to PNC and USB?
According to the Banks industry distribution chart, Komercni Banka AS ranks #355 out of 1523 companies for ROE %. This places Komercni Banka AS in the top 23% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. Komercni Banka AS's value of 12.29% is 20.3% above this benchmark. Historically, Komercni Banka AS's own ROE % has ranged from 7.44 to 15.28 over the past decade. While the company's 10-year median is 13.96 vs. the industry median of 10.22, Komercni Banka AS 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 10.22, 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. Komercni Banka AS's current ROE % of 12.29% is 20.3% 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 Komercni Banka AS 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. Komercni Banka AS's current ROE % is 12.29%, which is 12% below median its own 10-year median of 13.96. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Komercni Banka AS stock overvalued right now?
Komercni Banka AS (KMERF) has a current ROE % of 12.29%. The stock's GF Value™ is $47.97, compared to a current price of $54.98 — trading 14.6% above its estimated fair value. The current ROE % is 12.29%, which is 12% below median its 10-year median of 13.96 and 20.3% above the Banks industry median of 10.22. Komercni Banka AS's overall GF Score™ is 59/100 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 Komercni Banka AS (KMERF), the current ROE % is 12.29% 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 Komercni Banka AS (KMERF) Overvalued in 2026?
Based on GuruFocus' analysis, Komercni Banka AS stock appears to be overvalued.
The current stock price of $54.98 is trading 14.6% above its estimated GF Value™ of $47.97.
Key valuation signals for KMERF:
ROE %: 12.29% (12% below median its 10-year median of 13.96)
GF Value™: $47.97 vs. price of $54.98 (14.6% above fair value)
Industry Position: 20.3% above the Banks median (#355 of 1523)
No single metric tells the full story. See the KMERF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Komercni Banka AS is a universal bank providing a wide range of retail, corporate, and investment banking activities. These activities are complemented by other specialized services, including pension insurance, building savings, leasing, factoring, consumer loans, insurance, and services of fintech companies. The Group has the following operating segments: i) Retail Banking: includes the provision of products and services to individuals, ii) Corporate Banking: includes the provision of products and services to corporate entities, iii) Investment Banking: involves trading in financial instruments; and iv) Other: consists of the head office of the Bank. The majority of the revenue is derived from the Retail banking segment.
59GF Score
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