First Atlantic BankXGHA:FAB 24 ROE % is 25.38% as of Dec. 2025, which is 9% above its 10-year median of 23.25. GuruFocus rates XGHA:FAB with a GF Score™ of 24/100. Among 1,523 Banks companies, First Atlantic Bank ranks better than 96.06% on this metric.
The historical rank and industry rank for First Atlantic Bank's ROE % or its related term are showing as below:
XGHA:FAB'
s ROE % Range Over the Past 10 Years
Min: 21.12 Med: 23.25 Max: 25.38
Current: 25.38
During the past 2 years, First Atlantic Bank's highest ROE % was 25.38%. The lowest was 21.12%. And the median was 23.25%.
XGHA:FAB's ROE % is ranked better than 96.06% of 1523
companies
in the Banks industry
Industry Median: 10.22
vs XGHA:FAB: 25.38
First Atlantic Bank (XGHA:FAB) 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.
First Atlantic Bank ROE % Related Terms
First Atlantic Bank ROE % Historical Data
* Premium members only.
The historical data trend for First Atlantic 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.
First Atlantic Bank ROE % Chart
First Atlantic Bank Annual Data
Trend
Dec24
Dec25
ROE %
21.12
25.38
First Atlantic Bank Semi-Annual Data
Dec24
Dec25
ROE %
21.12
25.38
XGHA:FAB vs PNC: ROE % Comparison
For the Banks - Regional subindustry, First Atlantic 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.
First Atlantic Bank ROE % vs Banks Industry
For the Banks industry and Financial Services sector, First Atlantic Bank's ROE % distribution charts can be found below:
* The bar in red indicates where First Atlantic 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 one times the annual (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
First Atlantic Bank (XGHA:FAB) has a ROE % of 25.38% 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 First Atlantic Bank and its competitors. This is near median its historical median of 23.25. Over the past decade, First Atlantic Bank's ROE % has ranged from 21.12 to 25.38. According to the industry distribution chart, First Atlantic Bank ranks #60 out of 1523 companies in the Banks industry, placing it in the top 3.9%.
Is First Atlantic Bank's ROE % too high?
First Atlantic Bank's current ROE % of 25.38% is near median its 10-year median of 23.25. Over the past 10 years, this metric has ranged from a low of 21.12 to a high of 25.38. The Banks industry median ROE % is 10.22. First Atlantic Bank's value of 25.38% is 148.3% above this industry median. Based on the distribution chart, First Atlantic Bank ranks #60 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, First Atlantic Bank has a GF Score™ of 24/100, reflecting its overall financial health beyond just this single metric.
How does First Atlantic Bank's ROE % compare to PNC?
According to the Banks industry distribution chart, First Atlantic Bank ranks #60 out of 1523 companies for ROE %. This places First Atlantic Bank in the top 4% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. First Atlantic Bank's value of 25.38% is 148.3% above this benchmark. Historically, First Atlantic Bank's own ROE % has ranged from 21.12 to 25.38 over the past decade. While the company's 10-year median is 23.25 vs. the industry median of 10.22, First Atlantic 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 1,523 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. First Atlantic Bank's current ROE % of 25.38% is 148.3% 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 First Atlantic 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. First Atlantic Bank's current ROE % is 25.38%, which is near median its own 10-year median of 23.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Atlantic Bank stock overvalued right now?
First Atlantic Bank (XGHA:FAB) has a current ROE % of 25.38%. The current ROE % is 25.38%, which is near median its 10-year median of 23.25 and 148.3% above the Banks industry median of 10.22. First Atlantic Bank's overall GF Score™ is 24/100. 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 First Atlantic Bank (XGHA:FAB), the current ROE % is 25.38% 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.
First Atlantic Bank PLC is engaged in providing banking services that include personal banking, corporate banking, digital banking, prestige banking, and others. The Group's portfolio consists of loans and investments segmented across five main portfolios: Corporate Loans, Retail Loans, Retail Controller Loans, SME loans & Investments. The Group comprises the following main business segments: Corporate Banking, Retail and business banking, and Global markets. It generates majority of its income from Global markets segment which undertake the Group's funding and risk management activities through borrowings, issues of debt securities and investing in liquid assets such as short-term placements and corporate and government debt securities.
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