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MF Banka ADXBLB:IEFB-R-A ROE % is 15.03% as of Dec. 2025, which is 54% above its 10-year median of 9.75. The stock has 2 warning signs investors should review.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. MF Banka AD's annualized net income for the quarter that ended in Dec. 2025 was BAM18.16 Mil. MF Banka AD's average Total Stockholders Equity over the quarter that ended in Dec. 2025 was BAM120.76 Mil. Therefore, MF Banka AD's annualized ROE % for the quarter that ended in Dec. 2025 was 15.03%.
The historical rank and industry rank for MF Banka AD's ROE % or its related term are showing as below:
XBLB:IEFB-R-A'
s ROE % Range Over the Past 10 Years
Min: 6.32 Med: 9.75 Max: 13.52
Current: 12.56
During the past 13 years, MF Banka AD's highest ROE % was 13.52%. The lowest was 6.32%. And the median was 9.75%.
XBLB:IEFB-R-A's ROE % is not ranked
in the Banks industry.
Industry Median: 10.22
vs XBLB:IEFB-R-A: 12.56
MF Banka AD (XBLB:IEFB-R-A) 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 two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) 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.
MF Banka AD ROE % Related Terms
MF Banka AD ROE % Historical Data
* Premium members only.
The historical data trend for MF Banka AD'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, MF Banka AD'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.
MF Banka AD ROE % vs Banks Industry
For the Banks industry and Financial Services sector, MF Banka AD's ROE % distribution charts can be found below:
* The bar in red indicates where MF Banka AD'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 two times the semi-annual (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
MF Banka AD (XBLB:IEFB-R-A) has a ROE % of 15.03% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on MF Banka AD and its competitors. This is 54% above median its historical median of 9.75. Over the past decade, MF Banka AD's ROE % has ranged from 6.32 to 13.52.
Is MF Banka AD's ROE % too high?
MF Banka AD's current ROE % of 15.03% is 54% above median its 10-year median of 9.75. Over the past 10 years, this metric has ranged from a low of 6.32 to a high of 13.52. The Banks industry median ROE % is 10.22. MF Banka AD's value of 15.03% is 47.1% above this industry median.
How does MF Banka AD's ROE % compare to USB and PNC?
MF Banka AD's ROE % of 15.03% can be compared against companies in the Banks industry. The industry median ROE % is 10.22. MF Banka AD's value of 15.03% is 47.1% above this benchmark. Historically, MF Banka AD's own ROE % has ranged from 6.32 to 13.52 over the past decade. While the company's 10-year median is 9.75 vs. the industry median of 10.22, MF Banka AD 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. MF Banka AD's current ROE % of 15.03% is 47.1% 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 MF Banka AD 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. MF Banka AD's current ROE % is 15.03%, which is 54% above median its own 10-year median of 9.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MF Banka AD stock overvalued right now?
MF Banka AD (XBLB:IEFB-R-A) has a current ROE % of 15.03%. The stock's GF Value™ is BAM108.56, compared to a current price of BAM174.82 — trading 61% above its estimated fair value. The current ROE % is 15.03%, which is 54% above median its 10-year median of 9.75 and 47.1% above the Banks industry median of 10.22. 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 MF Banka AD (XBLB:IEFB-R-A), the current ROE % is 15.03% as of Dec. 2025. 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.
MF Banka AD provides is a regional bank engaged in providing banking products and services. The bank is licensed to perform banking activities that include payment transfers, crediting, and depositary operations in the country and abroad. It offers savings products, loans, payment services, deposit and documentary operations services, cards, electronic and mobile banking, SMS, and ATM services. Geographically, it operates in the region of Bosnia and Herzegovina and serves individuals, businesses, and small and medium-sized enterprises.
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