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.
Keweenaw FinancialKEFI 40 Return-on-Tangible-Asset is 0.96% as of Dec. 2025, which is at its 10-year median of 0.96. GuruFocus rates KEFI with a GF Score™ of 40/100 and a GF Value™ of $95.45 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,522 Banks companies, Keweenaw Financial ranks worse than 54.53% 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. Keweenaw Financial's annualizedNet Income for the quarter that ended in Dec. 2025 was $9.56 Mil. Keweenaw Financial's average total tangible assets for the quarter that ended in Dec. 2025 was $996.38 Mil. Therefore, Keweenaw Financial's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 0.96%.
The historical rank and industry rank for Keweenaw Financial's Return-on-Tangible-Asset or its related term are showing as below:
KEFI'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.63 Med: 0.96 Max: 1.24
Current: 0.96
During the past 5 years, Keweenaw Financial's highest Return-on-Tangible-Asset was 1.24%. The lowest was 0.63%. And the median was 0.96%.
KEFI's Return-on-Tangible-Asset is ranked worse than 54.53% of 1522
companies
in the Banks industry
Industry Median: 1.03
vs KEFI: 0.96
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.
Keweenaw Financial Return-on-Tangible-Asset Related Terms
Keweenaw Financial Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Keweenaw Financial'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.
Keweenaw Financial Return-on-Tangible-Asset Chart
Keweenaw Financial Annual Data
Trend
Dec21
Dec22
Dec23
Dec24
Dec25
Return-on-Tangible-Asset
1.24
0.96
0.63
0.70
0.96
Keweenaw Financial Semi-Annual Data
Dec21
Dec22
Dec23
Dec24
Dec25
Return-on-Tangible-Asset
1.24
0.96
0.63
0.70
0.96
KEFI vs OSBK, FFWC, NEFB: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Keweenaw Financial'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.
Keweenaw Financial Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Keweenaw Financial's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Keweenaw Financial'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 one times the annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 0.96% mean?
Keweenaw Financial (KEFI) has a Return-on-Tangible-Asset of 0.96% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Keweenaw Financial and its competitors. This is near median its historical median of 0.96. Over the past decade, Keweenaw Financial's Return-on-Tangible-Asset has ranged from 0.63 to 1.24. According to the industry distribution chart, Keweenaw Financial ranks #830 out of 1522 companies in the Banks industry, placing it in the top 54.5%.
Is Keweenaw Financial's Return-on-Tangible-Asset too high?
Keweenaw Financial's current Return-on-Tangible-Asset of 0.96% is near median its 10-year median of 0.96. 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 1.03. Keweenaw Financial's value of 0.96% is 6.8% below this industry median. Based on the distribution chart, Keweenaw Financial ranks #830 out of 1522 companies in the Banks industry, which is below the industry midpoint. Overall, Keweenaw Financial has a GF Score™ of 40/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Keweenaw Financial's Return-on-Tangible-Asset compare to OSBK and FFWC?
According to the Banks industry distribution chart, Keweenaw Financial ranks #830 out of 1522 companies for Return-on-Tangible-Asset. This places Keweenaw Financial in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.03. Keweenaw Financial's value of 0.96% is 6.8% below this benchmark. Historically, Keweenaw Financial's 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 0.96 vs. the industry median of 1.03, Keweenaw Financial 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 1.03, based on 1,522 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. Keweenaw Financial's current Return-on-Tangible-Asset of 0.96% is 6.8% 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 Keweenaw Financial 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. Keweenaw Financial's current Return-on-Tangible-Asset is 0.96%, which is near median its own 10-year median of 0.96. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Keweenaw Financial stock overvalued right now?
Based on GuruFocus' analysis, Keweenaw Financial (KEFI) is currently considered Significantly Undervalued. The stock's GF Value™ is $95.45, compared to a current price of $48.00 — trading 49.7% below its estimated fair value. The current Return-on-Tangible-Asset is 0.96%, which is near median its 10-year median of 0.96 and 6.8% below the Banks industry median of 1.03. Keweenaw Financial's overall GF Score™ is 40/100 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 Keweenaw Financial (KEFI), the current Return-on-Tangible-Asset is 0.96% 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.
Is Keweenaw Financial (KEFI) Overvalued in 2026?
Based on GuruFocus' analysis, Keweenaw Financial stock appears to be undervalued.
The current stock price of $48.00 is trading 49.7% below its estimated GF Value™ of $95.45.
GuruFocus considers Keweenaw Financial to be Significantly Undervalued.
Key valuation signals for KEFI:
Return-on-Tangible-Asset: 0.96% (near median its 10-year median of 0.96)
GF Value™: $95.45 vs. price of $48.00 (49.7% below fair value)
Industry Position: 6.8% below the Banks median (#830 of 1522)
No single metric tells the full story. See the KEFI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Keweenaw Financial Corp provides a range of financial and trust services to individual and corporate customers. The Bank offers traditional banking products and services, including ATMs, online and telephone banking, and automated bill payment, along with commercial, real estate, and consumer lending. Its offerings also include various loan products, deposit accounts, online and mobile banking, investment management, retirement planning, credit and debit cards, safe deposit boxes, and other related financial services.
40GF Score
Get the complete analysis for KEFI
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
KEFI has been successfully added to your 
