Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
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. Farmers Bank of Appomattox's annualizedNet Income for the quarter that ended in Jun. 2026 was $4.69 Mil. Farmers Bank of Appomattox's average total tangible assets for the quarter that ended in Jun. 2026 was $371.79 Mil. Therefore, Farmers Bank of Appomattox's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2026 was 1.26%.
The historical rank and industry rank for Farmers Bank of Appomattox's Return-on-Tangible-Asset or its related term are showing as below:
FBPA'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.78 Med: 1.01 Max: 1.13
Current: 0.98
During the past 13 years, Farmers Bank of Appomattox's highest Return-on-Tangible-Asset was 1.13%. The lowest was 0.78%. And the median was 1.01%.
FBPA's Return-on-Tangible-Asset is ranked worse than 52.79% of 1525
companies
in the Banks industry
Industry Median: 1.03
vs FBPA: 0.98
Farmers Bank of Appomattox (OTCPK:FBPA) Return-on-Tangible-Asset Explanation
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 companyÂ’s 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 companyÂ’s 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.
Farmers Bank of Appomattox Return-on-Tangible-Asset Related Terms
Farmers Bank of Appomattox Return-on-Tangible-Asset 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.
Farmers Bank of Appomattox Return-on-Tangible-Asset Chart
FBPA vs RBNK, CNBZ, PWBK: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Farmers Bank of Appomattox'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.
Farmers Bank of Appomattox Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Farmers Bank of Appomattox's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Farmers Bank of Appomattox'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 (Jun. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.26% mean?
Farmers Bank of Appomattox (FBPA) has a Return-on-Tangible-Asset of 1.26% as of Jun. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Farmers Bank of Appomattox and its competitors. This is 25% above median its historical median of 1.01. Over the past decade, Farmers Bank of Appomattox's Return-on-Tangible-Asset has ranged from 0.78 to 1.13. According to the industry distribution chart, Farmers Bank of Appomattox ranks #805 out of 1525 companies in the Banks industry, placing it in the top 52.8%.
Is Farmers Bank of Appomattox's Return-on-Tangible-Asset too high?
Farmers Bank of Appomattox's current Return-on-Tangible-Asset of 1.26% is 25% above median its 10-year median of 1.01. Over the past 10 years, this metric has ranged from a low of 0.78 to a high of 1.13. The Banks industry median Return-on-Tangible-Asset is 1.03. Farmers Bank of Appomattox's value of 1.26% is 22.3% above this industry median. Based on the distribution chart, Farmers Bank of Appomattox ranks #805 out of 1525 companies in the Banks industry, which is below the industry midpoint. Overall, Farmers Bank of Appomattox has a GF Scoreâ„¢ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Farmers Bank of Appomattox's Return-on-Tangible-Asset compare to RBNK and CNBZ?
According to the Banks industry distribution chart, Farmers Bank of Appomattox ranks #805 out of 1525 companies for Return-on-Tangible-Asset. This places Farmers Bank of Appomattox in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.03. Farmers Bank of Appomattox's value of 1.26% is 22.3% above this benchmark. Historically, Farmers Bank of Appomattox's own Return-on-Tangible-Asset has ranged from 0.78 to 1.13 over the past decade. While the company's 10-year median is 1.01 vs. the industry median of 1.03, Farmers Bank of Appomattox 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.03, based on 1,525 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. Farmers Bank of Appomattox's current Return-on-Tangible-Asset of 1.26% is 22.3% 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 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 Farmers Bank of Appomattox and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Farmers Bank of Appomattox's current Return-on-Tangible-Asset is 1.26%, which is 25% above median its own 10-year median of 1.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Farmers Bank of Appomattox stock overvalued right now?
Based on GuruFocus' analysis, Farmers Bank of Appomattox (FBPA) is currently considered Fairly Valued. The stock's GF Value™ is $34.59, compared to a current price of $32.60 — trading 5.8% below its estimated fair value. The current Return-on-Tangible-Asset is 1.26%, which is 25% above median its 10-year median of 1.01 and 22.3% above the Banks industry median of 1.03. Farmers Bank of Appomattox's overall GF Score™ is 69/100 with 5 warning signs 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 Farmers Bank of Appomattox (FBPA), the current Return-on-Tangible-Asset is 1.26% as of Jun. 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 Farmers Bank of Appomattox (FBPA) Overvalued in 2026?
Based on GuruFocus' analysis, Farmers Bank of Appomattox stock appears to be undervalued.
The current stock price of $32.60 is trading 5.8% below its estimated GF Value™ of $34.59.
GuruFocus considers Farmers Bank of Appomattox to be Fairly Valued.
Key valuation signals for FBPA:
Return-on-Tangible-Asset: 1.26% (25% above median its 10-year median of 1.01)
GF Value™: $34.59 vs. price of $32.60 (5.8% below fair value)
Industry Position: 22.3% above the Banks median (#805 of 1525)
No single metric tells the full story. See the FBPA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Farmers Bank of Appomattox provides banking services. The company is engaged in personal and business banking services, including checking & savings, certificate of deposit, loans/mortgages, commercial checking, and commercial loans.
69GF Score
Get the complete analysis for FBPA
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FBPA has been successfully added to your 
