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.
* 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, Bankint Petersburg PJSC'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.
Bankint Petersburg PJSC ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Bankint Petersburg PJSC's ROE % distribution charts can be found below:
* The bar in red indicates where Bankint Petersburg PJSC'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.
Bankint Petersburg PJSC (MIC:BSPB) has a ROE % of 19.60% 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 Bankint Petersburg PJSC and its competitors. This is 59% above median its historical median of 12.34. Over the past decade, Bankint Petersburg PJSC's ROE % has ranged from 6.70 to 29.70. According to the industry distribution chart, Bankint Petersburg PJSC ranks #287 out of 1527 companies in the Banks industry, placing it in the top 18.8%.
Is Bankint Petersburg PJSC's ROE % too high?
Bankint Petersburg PJSC's current ROE % of 19.60% is 59% above median its 10-year median of 12.34. Over the past 10 years, this metric has ranged from a low of 6.70 to a high of 29.70. The Banks industry median ROE % is 10.23. Bankint Petersburg PJSC's value of 19.60% is 91.6% above this industry median. Based on the distribution chart, Bankint Petersburg PJSC ranks #287 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bankint Petersburg PJSC has a GF Score™ of 21/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Bankint Petersburg PJSC's ROE % compare to PNC and USB?
According to the Banks industry distribution chart, Bankint Petersburg PJSC ranks #287 out of 1527 companies for ROE %. This places Bankint Petersburg PJSC in the top 19% of its industry — outperforming the majority of peers. The industry median ROE % is 10.23. Bankint Petersburg PJSC's value of 19.60% is 91.6% above this benchmark. Historically, Bankint Petersburg PJSC's own ROE % has ranged from 6.70 to 29.70 over the past decade. While the company's 10-year median is 12.34 vs. the industry median of 10.23, Bankint Petersburg PJSC 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 10.23, based on 1,527 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. Bankint Petersburg PJSC's current ROE % of 19.60% is 91.6% 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 Bankint Petersburg PJSC and its competitors. For the Banks industry, the median ROE % is 10.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bankint Petersburg PJSC's current ROE % is 19.60%, which is 59% above median its own 10-year median of 12.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bankint Petersburg PJSC stock overvalued right now?
Based on GuruFocus' analysis, Bankint Petersburg PJSC (MIC:BSPB) is currently considered Possible Value Trap. The stock's GF Value™ is ₽389.38, compared to a current price of ₽255.33 — trading 34.4% below its estimated fair value. The current ROE % is 19.60%, which is 59% above median its 10-year median of 12.34 and 91.6% above the Banks industry median of 10.23. Bankint Petersburg PJSC's overall GF Score™ is 21/100 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 Bankint Petersburg PJSC (MIC:BSPB), the current ROE % is 19.60% 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 Bankint Petersburg PJSC (MIC:BSPB) Overvalued in 2026?
Based on GuruFocus' analysis, Bankint Petersburg PJSC stock appears to be undervalued.
The current stock price of ₽255.33 is trading 34.4% below its estimated GF Value™ of ₽389.38.
GuruFocus considers Bankint Petersburg PJSC to be Possible Value Trap.
Key valuation signals for MIC:BSPB:
ROE %: 19.60% (59% above median its 10-year median of 12.34)
GF Value™: ₽389.38 vs. price of ₽255.33 (34.4% below fair value)
Industry Position: 91.6% above the Banks median (#287 of 1527)
No single metric tells the full story. See the MIC:BSPB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank Saint Petersburg PJSC is a Russian privately-owned commercial bank. The Bank operates in three segments: Corporate Banking; Operation on Financial Markets, and Retail Banking. The Corporate banking segment offers settlement and current accounts, deposits, credit lines, loans, foreign currency transactions with commercial and state entities. The Operation on Financial Markets segment consists of financial instruments trading, loans, and deposits on the interbank market, dealing in foreign exchange and derivative financial instruments. The Retail banking segment private baing services, customer current accounts, retail investment products, card services, mortgages, and other loan services. The Corporate banking segment generates nearly half of the company's revenue.
21GF Score
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