Bank DhofarOGMUS:BKDB +2.33%21 ROE % is 6.85% as of Mar. 2026, which is 21% above its 10-year median of 5.64. GuruFocus rates MUS:BKDB with a GF Score™ of 21/100 and a GF Value™ of ر.ع0.19 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,525 Banks companies, Bank DhofarOG ranks worse than 72.66% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Bank DhofarOG's annualized net income for the quarter that ended in Mar. 2026 was ر.ع52.9 Mil. Bank DhofarOG's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was ر.ع772.6 Mil. Therefore, Bank DhofarOG's annualized ROE % for the quarter that ended in Mar. 2026 was 6.85%.
The historical rank and industry rank for Bank DhofarOG's ROE % or its related term are showing as below:
MUS:BKDB'
s ROE % Range Over the Past 10 Years
Min: 3.6 Med: 5.64 Max: 9.43
Current: 6.93
During the past 13 years, Bank DhofarOG's highest ROE % was 9.43%. The lowest was 3.60%. And the median was 5.64%.
MUS:BKDB's ROE % is ranked worse than 72.66% of 1525
companies
in the Banks industry
Industry Median: 10.22
vs MUS:BKDB: 6.93
Bank DhofarOG (MUS:BKDB) 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.
Bank DhofarOG ROE % Related Terms
Bank DhofarOG ROE % Historical Data
* Premium members only.
The historical data trend for Bank DhofarOG'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 DhofarOG'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 DhofarOG ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Bank DhofarOG's ROE % distribution charts can be found below:
* The bar in red indicates where Bank DhofarOG'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.
Bank DhofarOG (MUS:BKDB) has a ROE % of 6.85% 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 Bank DhofarOG and its competitors. This is 21% above median its historical median of 5.64. Over the past decade, Bank DhofarOG's ROE % has ranged from 3.60 to 9.43. According to the industry distribution chart, Bank DhofarOG ranks #1108 out of 1525 companies in the Banks industry, placing it in the top 72.7%.
Is Bank DhofarOG's ROE % too high?
Bank DhofarOG's current ROE % of 6.85% is 21% above median its 10-year median of 5.64. Over the past 10 years, this metric has ranged from a low of 3.60 to a high of 9.43. The Banks industry median ROE % is 10.22. Bank DhofarOG's value of 6.85% is 33% below this industry median. Based on the distribution chart, Bank DhofarOG ranks #1108 out of 1525 companies in the Banks industry, which is below the industry midpoint. Overall, Bank DhofarOG has a GF Score™ of 21/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank DhofarOG's ROE % compare to PNC and USB?
According to the Banks industry distribution chart, Bank DhofarOG ranks #1108 out of 1525 companies for ROE %. This places Bank DhofarOG in the lower half of its industry. The industry median ROE % is 10.22. Bank DhofarOG's value of 6.85% is 33% below this benchmark. Historically, Bank DhofarOG's own ROE % has ranged from 3.60 to 9.43 over the past decade. While the company's 10-year median is 5.64 vs. the industry median of 10.22, Bank DhofarOG 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. Bank DhofarOG's current ROE % of 6.85% is 33% 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 DhofarOG 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 DhofarOG's current ROE % is 6.85%, which is 21% above median its own 10-year median of 5.64. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank DhofarOG stock overvalued right now?
Based on GuruFocus' analysis, Bank DhofarOG (MUS:BKDB) is currently considered Modestly Overvalued. The stock's GF Value™ is ر.ع0.19, compared to a current price of ر.ع0.22 — trading 15.8% above its estimated fair value. The current ROE % is 6.85%, which is 21% above median its 10-year median of 5.64 and 33% below the Banks industry median of 10.22. Bank DhofarOG's overall GF Score™ is 21/100 with 6 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 DhofarOG (MUS:BKDB), the current ROE % is 6.85% 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 Bank DhofarOG (MUS:BKDB) Overvalued in 2026?
Based on GuruFocus' analysis, Bank DhofarOG stock appears to be overvalued.
The current stock price of ر.ع0.22 is trading 15.8% above its estimated GF Value™ of ر.ع0.19.
GuruFocus considers Bank DhofarOG to be Modestly Overvalued.
Key valuation signals for MUS:BKDB:
ROE %: 6.85% (21% above median its 10-year median of 5.64)
GF Value™: ر.ع0.19 vs. price of ر.ع0.22 (15.8% above fair value)
Industry Position: 33% below the Banks median (#1108 of 1525)
No single metric tells the full story. See the MUS:BKDB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank Dhofar SAOG is engaged in corporate, retail, and investment banking activities. The Bank offers products and services such as savings accounts, investment advisory, investment management, and treasury services. It is organized into four main business segments: Retail Banking, which includes private customer current accounts, savings, deposits, investment savings products, custody, credit and debit cards, consumer loans, and mortgages; Corporate Banking, which includes direct debit facilities, current accounts, deposits, overdrafts, loans and other credit facilities, and foreign currency and derivative products; Treasury and Investments; and Islamic Banking. The Bank generates the majority of its revenue from the Corporate Banking segment.
21GF Score
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