Saudi British BankSAU:1060 -0.43%63 ROE % is 10.41% as of Mar. 2026, which is 2% above its 10-year median of 10.17. GuruFocus rates SAU:1060 with a GF Score™ of 63/100 and a GF Value™ of ﷼38.44 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,525 Banks companies, Saudi British Bank ranks better than 55.41% on this metric.
The historical rank and industry rank for Saudi British Bank's ROE % or its related term are showing as below:
SAU:1060'
s ROE % Range Over the Past 10 Years
Min: -7.79 Med: 10.17 Max: 13.1
Current: 10.92
During the past 13 years, Saudi British Bank's highest ROE % was 13.10%. The lowest was -7.79%. And the median was 10.17%.
SAU:1060's ROE % is ranked better than 55.41% of 1525
companies
in the Banks industry
Industry Median: 10.22
vs SAU:1060: 10.92
Saudi British Bank (SAU:1060) 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.
Saudi British Bank ROE % Related Terms
Saudi British Bank ROE % Historical Data
* Premium members only.
The historical data trend for Saudi British Bank'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, Saudi British Bank'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.
Saudi British Bank ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Saudi British Bank's ROE % distribution charts can be found below:
* The bar in red indicates where Saudi British Bank'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.
Saudi British Bank (SAU:1060) has a ROE % of 10.41% 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 Saudi British Bank and its competitors. This is near median its historical median of 10.17. According to the industry distribution chart, Saudi British Bank ranks #680 out of 1525 companies in the Banks industry, placing it in the top 44.6%.
Is Saudi British Bank's ROE % too high?
Saudi British Bank's current ROE % of 10.41% is near median its 10-year median of 10.17. The Banks industry median ROE % is 10.22. Saudi British Bank's value of 10.41% is 1.9% above this industry median. Based on the distribution chart, Saudi British Bank ranks #680 out of 1525 companies in the Banks industry, which is above the industry midpoint. Overall, Saudi British Bank has a GF Score™ of 63/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Saudi British Bank's ROE % compare to PNC?
According to the Banks industry distribution chart, Saudi British Bank ranks #680 out of 1525 companies for ROE %. This puts Saudi British Bank in the upper half of its industry. The industry median ROE % is 10.22. Saudi British Bank's value of 10.41% is 1.9% above this benchmark. While the company's 10-year median is 10.17 vs. the industry median of 10.22, Saudi British Bank 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 1,525 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. Saudi British Bank's current ROE % of 10.41% is 1.9% 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 Saudi British Bank 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. Saudi British Bank's current ROE % is 10.41%, which is near median its own 10-year median of 10.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Saudi British Bank stock overvalued right now?
Based on GuruFocus' analysis, Saudi British Bank (SAU:1060) is currently considered Modestly Undervalued. The stock's GF Value™ is ﷼38.44, compared to a current price of ﷼32.22 — trading 16.2% below its estimated fair value. The current ROE % is 10.41%, which is near median its 10-year median of 10.17 and 1.9% above the Banks industry median of 10.22. Saudi British Bank's overall GF Score™ is 63/100 with 3 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 Saudi British Bank (SAU:1060), the current ROE % is 10.41% 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 Saudi British Bank (SAU:1060) Overvalued in 2026?
Based on GuruFocus' analysis, Saudi British Bank stock appears to be undervalued.
The current stock price of ﷼32.22 is trading 16.2% below its estimated GF Value™ of ﷼38.44.
GuruFocus considers Saudi British Bank to be Modestly Undervalued.
Key valuation signals for SAU:1060:
ROE %: 10.41% (near median its 10-year median of 10.17)
GF Value™: ﷼38.44 vs. price of ﷼32.22 (16.2% below fair value)
Industry Position: 1.9% above the Banks median (#680 of 1525)
No single metric tells the full story. See the SAU:1060 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Saudi British Bank operates as a commercial bank through a network of branches in the Kingdom of Saudi Arabia. It provides integrated banking products and services to both retail and corporate sectors. The company's banking services include Personal, Commercial, Corporate, Private, and Islamic Banking, Investment, Treasury and Trade Services, and Credit and ATM Cards. It operates in five business segments: Wealth and Personal Banking, Corporate and Institutional Banking, Treasury, Capital Markets and Others. The majority of the company's revenue is derived from the Corporate and Institutional Banking segment, which offers core banking, liquidity management, trade-finance and treasury services.
63GF Score
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