The historical rank and industry rank for UniCredit Bank DD's ROE % or its related term are showing as below:
XBLB:NBLB-R-B'
s ROE % Range Over the Past 10 Years
Min: 8.38 Med: 12.36 Max: 19.57
Current: 17.93
During the past 13 years, UniCredit Bank DD's highest ROE % was 19.57%. The lowest was 8.38%. And the median was 12.36%.
XBLB:NBLB-R-B's ROE % is not ranked
in the Banks industry.
Industry Median: 10.22
vs XBLB:NBLB-R-B: 17.93
UniCredit Bank DD (XBLB:NBLB-R-B) 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 one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the 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.
UniCredit Bank DD ROE % Related Terms
UniCredit Bank DD ROE % Historical Data
* Premium members only.
The historical data trend for UniCredit Bank DD'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, UniCredit Bank DD'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.
UniCredit Bank DD ROE % vs Banks Industry
For the Banks industry and Financial Services sector, UniCredit Bank DD's ROE % distribution charts can be found below:
* The bar in red indicates where UniCredit Bank DD'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 one times the annual (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
UniCredit Bank DD (XBLB:NBLB-R-B) has a ROE % of 17.93% 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 UniCredit Bank DD and its competitors. This is 45% above median its historical median of 12.36. Over the past decade, UniCredit Bank DD's ROE % has ranged from 8.38 to 19.57.
Is UniCredit Bank DD's ROE % too high?
UniCredit Bank DD's current ROE % of 17.93% is 45% above median its 10-year median of 12.36. Over the past 10 years, this metric has ranged from a low of 8.38 to a high of 19.57. The Banks industry median ROE % is 10.22. UniCredit Bank DD's value of 17.93% is 75.4% above this industry median. Overall, UniCredit Bank DD has a GF Score™ of 4/100, reflecting its overall financial health beyond just this single metric.
How does UniCredit Bank DD's ROE % compare to PNC and USB?
UniCredit Bank DD's ROE % of 17.93% can be compared against companies in the Banks industry. The industry median ROE % is 10.22. UniCredit Bank DD's value of 17.93% is 75.4% above this benchmark. Historically, UniCredit Bank DD's own ROE % has ranged from 8.38 to 19.57 over the past decade. While the company's 10-year median is 12.36 vs. the industry median of 10.22, UniCredit Bank DD 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 1,524 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. UniCredit Bank DD's current ROE % of 17.93% is 75.4% 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 UniCredit Bank DD 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. UniCredit Bank DD's current ROE % is 17.93%, which is 45% above median its own 10-year median of 12.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UniCredit Bank DD stock overvalued right now?
UniCredit Bank DD (XBLB:NBLB-R-B) has a current ROE % of 17.93%. The stock's GF Value™ is BAM2,491.73, compared to a current price of BAM1,933.00 — trading 22.4% below its estimated fair value. The current ROE % is 17.93%, which is 45% above median its 10-year median of 12.36 and 75.4% above the Banks industry median of 10.22. UniCredit Bank DD's overall GF Score™ is 4/100 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 UniCredit Bank DD (XBLB:NBLB-R-B), the current ROE % is 17.93% 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.
Is UniCredit Bank DD (XBLB:NBLB-R-B) Overvalued in 2026?
Based on GuruFocus' analysis, UniCredit Bank DD stock appears to be undervalued.
The current stock price of BAM1,933.00 is trading 22.4% below its estimated GF Value™ of BAM2,491.73.
Key valuation signals for XBLB:NBLB-R-B:
ROE %: 17.93% (45% above median its 10-year median of 12.36)
GF Value™: BAM2,491.73 vs. price of BAM1,933.00 (22.4% below fair value)
No single metric tells the full story. See the XBLB:NBLB-R-B stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
UniCredit Bank DD is a joint-stock company in Bosnia and Herzegovina. It provides a full range of services including retail and corporate banking, risk operations, and finance and operating lease operations. The business segments of the company include Retail, Corporate and Investment Banking, Assets and Liabilities Management, and Central Unit. The company's business users comprise Entrepreneurs, Corporate clients, and Financial Institutions.
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