XBUL:BACB's ROE % is ranked worse than 55.8% of 1525
companies
in the Banks industry
Industry Median: 10.22
vs XBUL:BACB: 9.41
CB Bulgarian American Credit Bank AD (XBUL:BACB) 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.
CB Bulgarian American Credit Bank AD ROE % Related Terms
CB Bulgarian American Credit Bank AD ROE % Historical Data
* 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, CB Bulgarian American Credit Bank 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.
CB Bulgarian American Credit Bank AD ROE % vs Banks Industry
* 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.
CB Bulgarian American Credit Bank AD (XBUL:BACB) has a ROE % of 13.36% 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 CB Bulgarian American Credit Bank AD and its competitors. This is 68% above median its historical median of 7.95. Over the past decade, CB Bulgarian American Credit Bank AD's ROE % has ranged from 3.57 to 18.62. According to the industry distribution chart, CB Bulgarian American Credit Bank AD ranks #851 out of 1525 companies in the Banks industry, placing it in the top 55.8%.
Is CB Bulgarian American Credit Bank AD's ROE % too high?
CB Bulgarian American Credit Bank AD's current ROE % of 13.36% is 68% above median its 10-year median of 7.95. Over the past 10 years, this metric has ranged from a low of 3.57 to a high of 18.62. The Banks industry median ROE % is 10.22. CB Bulgarian American Credit Bank AD's value of 13.36% is 30.7% above this industry median. Based on the distribution chart, CB Bulgarian American Credit Bank AD ranks #851 out of 1525 companies in the Banks industry, which is below the industry midpoint. Overall, CB Bulgarian American Credit Bank AD has a GF Score™ of 65/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does CB Bulgarian American Credit Bank AD's ROE % compare to PNC and USB?
According to the Banks industry distribution chart, CB Bulgarian American Credit Bank AD ranks #851 out of 1525 companies for ROE %. This places CB Bulgarian American Credit Bank AD in the lower half of its industry. The industry median ROE % is 10.22. CB Bulgarian American Credit Bank AD's value of 13.36% is 30.7% above this benchmark. Historically, CB Bulgarian American Credit Bank AD's own ROE % has ranged from 3.57 to 18.62 over the past decade. While the company's 10-year median is 7.95 vs. the industry median of 10.22, CB Bulgarian American Credit Bank 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. CB Bulgarian American Credit Bank AD's current ROE % of 13.36% is 30.7% 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 CB Bulgarian American Credit Bank 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. CB Bulgarian American Credit Bank AD's current ROE % is 13.36%, which is 68% above median its own 10-year median of 7.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CB Bulgarian American Credit Bank AD stock overvalued right now?
Based on GuruFocus' analysis, CB Bulgarian American Credit Bank AD (XBUL:BACB) is currently considered Significantly Undervalued. The stock's GF Value™ is €10.11, compared to a current price of €6.45 — trading 36.2% below its estimated fair value. The current ROE % is 13.36%, which is 68% above median its 10-year median of 7.95 and 30.7% above the Banks industry median of 10.22. CB Bulgarian American Credit Bank AD's overall GF Score™ is 65/100 with 2 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 CB Bulgarian American Credit Bank AD (XBUL:BACB), the current ROE % is 13.36% 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 CB Bulgarian American Credit Bank AD (XBUL:BACB) Overvalued in 2026?
Based on GuruFocus' analysis, CB Bulgarian American Credit Bank AD stock appears to be undervalued.
The current stock price of €6.45 is trading 36.2% below its estimated GF Value™ of €10.11.
GuruFocus considers CB Bulgarian American Credit Bank AD to be Significantly Undervalued.
Key valuation signals for XBUL:BACB:
ROE %: 13.36% (68% above median its 10-year median of 7.95)
GF Value™: €10.11 vs. price of €6.45 (36.2% below fair value)
Industry Position: 30.7% above the Banks median (#851 of 1525)
No single metric tells the full story. See the XBUL:BACB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CB Bulgarian American Credit Bank AD Business Description
CB Bulgarian American Credit Bank AD is engaged in providing secured finance to small and medium-sized businesses in Bulgaria. The company has three segments: Construction, Real estate investments and land development, and Electricity production.
65GF Score
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