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Golden VY BancsharesGVYB 58 Return-on-Tangible-Asset is 0.87% as of Jun. 2026, which is 4% below its 10-year median of 0.91. GuruFocus rates GVYB with a GF Score™ of 58/100 and a GF Value™ of $22.89 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,524 Banks companies, Golden VY Bancshares ranks worse than 58.01% 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. Golden VY Bancshares's annualizedNet Income for the quarter that ended in Jun. 2026 was $5.12 Mil. Golden VY Bancshares's average total tangible assets for the quarter that ended in Jun. 2026 was $591.24 Mil. Therefore, Golden VY Bancshares's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2026 was 0.87%.
The historical rank and industry rank for Golden VY Bancshares's Return-on-Tangible-Asset or its related term are showing as below:
GVYB'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.63 Med: 0.91 Max: 1.24
Current: 0.88
During the past 8 years, Golden VY Bancshares's highest Return-on-Tangible-Asset was 1.24%. The lowest was 0.63%. And the median was 0.91%.
GVYB's Return-on-Tangible-Asset is ranked worse than 58.01% of 1524
companies
in the Banks industry
Industry Median: 1
vs GVYB: 0.88
Golden VY Bancshares (OTCPK:GVYB) 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 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.
Golden VY Bancshares Return-on-Tangible-Asset Related Terms
Golden VY Bancshares Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Golden VY Bancshares'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.
Golden VY Bancshares Return-on-Tangible-Asset Chart
GVYB vs WSSH, TBBC, TCBS: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Golden VY Bancshares'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.
Golden VY Bancshares Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Golden VY Bancshares's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Golden VY Bancshares'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 0.87% mean?
Golden VY Bancshares (GVYB) has a Return-on-Tangible-Asset of 0.87% 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 Golden VY Bancshares and its competitors. This is near median its historical median of 0.91. Over the past decade, Golden VY Bancshares' Return-on-Tangible-Asset has ranged from 0.63 to 1.24. According to the industry distribution chart, Golden VY Bancshares ranks #884 out of 1524 companies in the Banks industry, placing it in the top 58%.
Is Golden VY Bancshares' Return-on-Tangible-Asset too high?
Golden VY Bancshares' current Return-on-Tangible-Asset of 0.87% is near median its 10-year median of 0.91. Over the past 10 years, this metric has ranged from a low of 0.63 to a high of 1.24. The Banks industry median Return-on-Tangible-Asset is 1.00. Golden VY Bancshares' value of 0.87% is 13% below this industry median. Based on the distribution chart, Golden VY Bancshares ranks #884 out of 1524 companies in the Banks industry, which is below the industry midpoint. Overall, Golden VY Bancshares has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Golden VY Bancshares' Return-on-Tangible-Asset compare to WSSH and TBBC?
According to the Banks industry distribution chart, Golden VY Bancshares ranks #884 out of 1524 companies for Return-on-Tangible-Asset. This places Golden VY Bancshares in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.00. Golden VY Bancshares' value of 0.87% is 13% below this benchmark. Historically, Golden VY Bancshares' own Return-on-Tangible-Asset has ranged from 0.63 to 1.24 over the past decade. While the company's 10-year median is 0.91 vs. the industry median of 1.00, Golden VY Bancshares 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 1.00, based on 1,524 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. Golden VY Bancshares's current Return-on-Tangible-Asset of 0.87% is 13% 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 Golden VY Bancshares and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Golden VY Bancshares's current Return-on-Tangible-Asset is 0.87%, which is near median its own 10-year median of 0.91. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Golden VY Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Golden VY Bancshares (GVYB) is currently considered Modestly Overvalued. The stock's GF Value™ is $22.89, compared to a current price of $26.00 — trading 13.6% above its estimated fair value. The current Return-on-Tangible-Asset is 0.87%, which is near median its 10-year median of 0.91 and 13% below the Banks industry median of 1.00. Golden VY Bancshares' overall GF Score™ is 58/100 with 6 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 Golden VY Bancshares (GVYB), the current Return-on-Tangible-Asset is 0.87% 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 Golden VY Bancshares (GVYB) Overvalued in 2026?
Based on GuruFocus' analysis, Golden VY Bancshares stock appears to be overvalued.
The current stock price of $26.00 is trading 13.6% above its estimated GF Value™ of $22.89.
GuruFocus considers Golden VY Bancshares to be Modestly Overvalued.
Key valuation signals for GVYB:
Return-on-Tangible-Asset: 0.87% (near median its 10-year median of 0.91)
GF Value™: $22.89 vs. price of $26.00 (13.6% above fair value)
Industry Position: 13% below the Banks median (#884 of 1524)
No single metric tells the full story. See the GVYB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Golden VY Bancshares Inc is the parent company of its wholly-owned subsidiary, Golden Valley Bank. The Bank is a commercial bank that provides a wide range of loans, deposit products, and services to its surrounding communities in Butte, Shasta, and surrounding counties.
58GF Score
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Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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