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The historical rank and industry rank for Komercijalna Banka AD Skopje's ROE % or its related term are showing as below:
XMAE:KMB'
s ROE % Range Over the Past 10 Years
Min: 5.05 Med: 14.13 Max: 25.36
Current: 22.33
During the past 13 years, Komercijalna Banka AD Skopje's highest ROE % was 25.36%. The lowest was 5.05%. And the median was 14.13%.
XMAE:KMB's ROE % is ranked better than 94.23% of 1525
companies
in the Banks industry
Industry Median: 10.22
vs XMAE:KMB: 22.33
Komercijalna Banka AD Skopje (XMAE:KMB) 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 (Sep. 2025) net income data. The Revenue data used here is four times the quarterly (Sep. 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.
Komercijalna Banka AD Skopje ROE % Related Terms
Komercijalna Banka AD Skopje 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, Komercijalna Banka AD Skopje'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.
Komercijalna Banka AD Skopje ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Komercijalna Banka AD Skopje's ROE % distribution charts can be found below:
* The bar in red indicates where Komercijalna Banka AD Skopje'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 (Sep. 2025) net income data.
ROE % is displayed in the 30-year financial page.
Komercijalna Banka AD Skopje (XMAE:KMB) has a ROE % of 23.80% as of Sep. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Komercijalna Banka AD Skopje and its competitors. This is 68% above median its historical median of 14.13. Over the past decade, Komercijalna Banka AD Skopje's ROE % has ranged from 5.05 to 25.36. According to the industry distribution chart, Komercijalna Banka AD Skopje ranks #88 out of 1525 companies in the Banks industry, placing it in the top 5.8%.
Is Komercijalna Banka AD Skopje's ROE % too high?
Komercijalna Banka AD Skopje's current ROE % of 23.80% is 68% above median its 10-year median of 14.13. Over the past 10 years, this metric has ranged from a low of 5.05 to a high of 25.36. The Banks industry median ROE % is 10.22. Komercijalna Banka AD Skopje's value of 23.80% is 132.9% above this industry median. Based on the distribution chart, Komercijalna Banka AD Skopje ranks #88 out of 1525 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Komercijalna Banka AD Skopje has a GF Score™ of 65/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Komercijalna Banka AD Skopje's ROE % compare to PNC and USB?
According to the Banks industry distribution chart, Komercijalna Banka AD Skopje ranks #88 out of 1525 companies for ROE %. This places Komercijalna Banka AD Skopje in the top 6% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. Komercijalna Banka AD Skopje's value of 23.80% is 132.9% above this benchmark. Historically, Komercijalna Banka AD Skopje's own ROE % has ranged from 5.05 to 25.36 over the past decade. While the company's 10-year median is 14.13 vs. the industry median of 10.22, Komercijalna Banka AD Skopje 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. Komercijalna Banka AD Skopje's current ROE % of 23.80% is 132.9% 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 Komercijalna Banka AD Skopje 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. Komercijalna Banka AD Skopje's current ROE % is 23.80%, which is 68% above median its own 10-year median of 14.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Komercijalna Banka AD Skopje stock overvalued right now?
Based on GuruFocus' analysis, Komercijalna Banka AD Skopje (XMAE:KMB) is currently considered Modestly Undervalued. The stock's GF Value™ is MKD27,975.02, compared to a current price of MKD25,300.00 — trading 9.6% below its estimated fair value. The current ROE % is 23.80%, which is 68% above median its 10-year median of 14.13 and 132.9% above the Banks industry median of 10.22. Komercijalna Banka AD Skopje's overall GF Score™ is 65/100 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 Komercijalna Banka AD Skopje (XMAE:KMB), the current ROE % is 23.80% as of Sep. 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 Komercijalna Banka AD Skopje (XMAE:KMB) Overvalued in 2026?
Based on GuruFocus' analysis, Komercijalna Banka AD Skopje stock appears to be undervalued.
The current stock price of MKD25,300.00 is trading 9.6% below its estimated GF Value™ of MKD27,975.02.
GuruFocus considers Komercijalna Banka AD Skopje to be Modestly Undervalued.
Key valuation signals for XMAE:KMB:
ROE %: 23.80% (68% above median its 10-year median of 14.13)
GF Value™: MKD27,975.02 vs. price of MKD25,300.00 (9.6% below fair value)
Industry Position: 132.9% above the Banks median (#88 of 1525)
No single metric tells the full story. See the XMAE:KMB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Komercijalna Banka AD Skopje is a commercial bank. The principal activities of the bank are - collecting deposits, placing loans and advances domestically and abroad, factoring and financing commercial transactions, foreign exchange operations, fast money transfer, trading with foreign currencies, trading with securities, services of a bank-custodian of investment and pension funds, intermediating in selling insurance policies, data collection and analysis of company's credit rating, and many others. It operates in the Republic of Macedonia, Europe, and other EU member countries.
65GF Score
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