Avidia BancorpAVBC -1.42%10 Return-on-Tangible-Asset is 0.85% as of Mar. 2026, which is 93% above its 10-year median of 0.44. GuruFocus rates AVBC with a GF Score™ of 10/100. The stock has 1 warning sign investors should review. Among 1,530 Banks companies, Avidia Bancorp ranks worse than 77.52% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Avidia Bancorp's annualizedNet Income for the quarter that ended in Mar. 2026 was $24.0 Mil. Avidia Bancorp's average total tangible assets for the quarter that ended in Mar. 2026 was $2,807.3 Mil. Therefore, Avidia Bancorp's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 0.85%.
The historical rank and industry rank for Avidia Bancorp's Return-on-Tangible-Asset or its related term are showing as below:
AVBC'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -0.12 Med: 0.44 Max: 0.51
Current: 0.51
During the past 3 years, Avidia Bancorp's highest Return-on-Tangible-Asset was 0.51%. The lowest was -0.12%. And the median was 0.44%.
AVBC's Return-on-Tangible-Asset is ranked worse than 77.52% of 1530
companies
in the Banks industry
Industry Median: 0.99
vs AVBC: 0.51
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Avidia Bancorp Return-on-Tangible-Asset Related Terms
Avidia Bancorp Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Avidia Bancorp's Return-on-Tangible-Asset 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.
AVBC vs RVRF, MVBF, USCB: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Avidia Bancorp's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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.
Avidia Bancorp Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Avidia Bancorp's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Avidia Bancorp's Return-on-Tangible-Asset 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 Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets 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.
What does a Return-on-Tangible-Asset of 0.85% mean?
Avidia Bancorp (AVBC) has a Return-on-Tangible-Asset of 0.85% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Avidia Bancorp and its competitors. This is 93% above median its historical median of 0.44. According to the industry distribution chart, Avidia Bancorp ranks #1186 out of 1530 companies in the Banks industry, placing it in the top 77.5%.
Is Avidia Bancorp's Return-on-Tangible-Asset too high?
Avidia Bancorp's current Return-on-Tangible-Asset of 0.85% is 93% above median its 10-year median of 0.44. The Banks industry median Return-on-Tangible-Asset is 0.99. Avidia Bancorp's value of 0.85% is 14.1% below this industry median. Based on the distribution chart, Avidia Bancorp ranks #1186 out of 1530 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Avidia Bancorp has a GF Score™ of 10/100, reflecting its overall financial health beyond just this single metric.
How does Avidia Bancorp's Return-on-Tangible-Asset compare to RVRF and MVBF?
According to the Banks industry distribution chart, Avidia Bancorp ranks #1186 out of 1530 companies for Return-on-Tangible-Asset. This places Avidia Bancorp in the lower half of its industry. The industry median Return-on-Tangible-Asset is 0.99. Avidia Bancorp's value of 0.85% is 14.1% below this benchmark. While the company's 10-year median is 0.44 vs. the industry median of 0.99, Avidia Bancorp has consistently been below 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Avidia Bancorp's current Return-on-Tangible-Asset of 0.85% is 14.1% below 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Avidia Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Avidia Bancorp's current Return-on-Tangible-Asset is 0.85%, which is 93% above median its own 10-year median of 0.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Avidia Bancorp stock overvalued right now?
Avidia Bancorp (AVBC) has a current Return-on-Tangible-Asset of 0.85%. The current Return-on-Tangible-Asset is 0.85%, which is 93% above median its 10-year median of 0.44 and 14.1% below the Banks industry median of 0.99. Avidia Bancorp's overall GF Score™ is 10/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Avidia Bancorp (AVBC), the current Return-on-Tangible-Asset is 0.85% 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.
Avidia Bancorp Inc business consists of taking deposits from the general public and investing those deposits, together with funds generated from operations, in commercial and industrial loans, one-to four-family residential mortgage loans, and commercial real estate loans.
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