Artea Bankas ABSTU:ZH5 +2.61%12 ROE % is 10.37% as of Mar. 2026, which is 34% below its 10-year median of 15.61. GuruFocus rates STU:ZH5 with a GF Score™ of 12/100 and a GF Value™ of €0.76 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,525 Banks companies, Artea Bankas AB ranks worse than 51.8% on this metric.
The historical rank and industry rank for Artea Bankas AB's ROE % or its related term are showing as below:
STU:ZH5'
s ROE % Range Over the Past 10 Years
Min: 10.01 Med: 15.61 Max: 27.59
Current: 10.01
During the past 13 years, Artea Bankas AB's highest ROE % was 27.59%. The lowest was 10.01%. And the median was 15.61%.
STU:ZH5's ROE % is ranked worse than 51.8% of 1525
companies
in the Banks industry
Industry Median: 10.22
vs STU:ZH5: 10.01
Artea Bankas AB (STU:ZH5) 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.
Artea Bankas AB ROE % Related Terms
Artea Bankas AB ROE % Historical Data
* Premium members only.
The historical data trend for Artea Bankas AB'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, Artea Bankas AB'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.
Artea Bankas AB ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Artea Bankas AB's ROE % distribution charts can be found below:
* The bar in red indicates where Artea Bankas AB'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.
Artea Bankas AB (STU:ZH5) has a ROE % of 10.37% 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 Artea Bankas AB and its competitors. This is 34% below median its historical median of 15.61. Over the past decade, Artea Bankas AB's ROE % has ranged from 10.01 to 27.59. According to the industry distribution chart, Artea Bankas AB ranks #790 out of 1525 companies in the Banks industry, placing it in the top 51.8%.
Is Artea Bankas AB's ROE % too high?
Artea Bankas AB's current ROE % of 10.37% is 34% below median its 10-year median of 15.61. Over the past 10 years, this metric has ranged from a low of 10.01 to a high of 27.59. The Banks industry median ROE % is 10.22. Artea Bankas AB's value of 10.37% is 1.5% above this industry median. Based on the distribution chart, Artea Bankas AB ranks #790 out of 1525 companies in the Banks industry, which is below the industry midpoint. Overall, Artea Bankas AB has a GF Score™ of 12/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Artea Bankas AB's ROE % compare to PNC and USB?
According to the Banks industry distribution chart, Artea Bankas AB ranks #790 out of 1525 companies for ROE %. This places Artea Bankas AB in the lower half of its industry. The industry median ROE % is 10.22. Artea Bankas AB's value of 10.37% is 1.5% above this benchmark. Historically, Artea Bankas AB's own ROE % has ranged from 10.01 to 27.59 over the past decade. While the company's 10-year median is 15.61 vs. the industry median of 10.22, Artea Bankas AB 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. Artea Bankas AB's current ROE % of 10.37% is 1.5% 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 Artea Bankas AB 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. Artea Bankas AB's current ROE % is 10.37%, which is 34% below median its own 10-year median of 15.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Artea Bankas AB stock overvalued right now?
Based on GuruFocus' analysis, Artea Bankas AB (STU:ZH5) is currently considered Modestly Overvalued. The stock's GF Value™ is €0.76, compared to a current price of €0.87 — trading 13.8% above its estimated fair value. The current ROE % is 10.37%, which is 34% below median its 10-year median of 15.61 and 1.5% above the Banks industry median of 10.22. Artea Bankas AB's overall GF Score™ is 12/100 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 Artea Bankas AB (STU:ZH5), the current ROE % is 10.37% 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 Artea Bankas AB (STU:ZH5) Overvalued in 2026?
Based on GuruFocus' analysis, Artea Bankas AB stock appears to be overvalued.
The current stock price of €0.87 is trading 13.8% above its estimated GF Value™ of €0.76.
GuruFocus considers Artea Bankas AB to be Modestly Overvalued.
Key valuation signals for STU:ZH5:
ROE %: 10.37% (34% below median its 10-year median of 15.61)
GF Value™: €0.76 vs. price of €0.87 (13.8% above fair value)
Industry Position: 1.5% above the Banks median (#790 of 1525)
No single metric tells the full story. See the STU:ZH5 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Artea Bankas AB provides daily finances to small and medium-sized businesses. It performs all banking operations including accepting deposits, issuing loans, money transfers and documentary settlements, exchanging currencies for clients, issuing and processing debit and credit cards, and among others.
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