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. Marine Bancorp FLA's annualizedNet Income for the quarter that ended in Dec. 2024 was $2.83 Mil. Marine Bancorp FLA's average total tangible assets for the quarter that ended in Dec. 2024 was $650.35 Mil. Therefore, Marine Bancorp FLA's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2024 was 0.44%.
The historical rank and industry rank for Marine Bancorp FLA's Return-on-Tangible-Asset or its related term are showing as below:
MBOF'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.44 Med: 0.77 Max: 0.99
Current: 0.44
During the past 6 years, Marine Bancorp FLA's highest Return-on-Tangible-Asset was 0.99%. The lowest was 0.44%. And the median was 0.77%.
MBOF's Return-on-Tangible-Asset is not ranked
in the Banks industry.
Industry Median: 1.01
vs MBOF: 0.44
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.
Marine Bancorp FLA Return-on-Tangible-Asset Related Terms
Marine Bancorp FLA Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Marine Bancorp FLA'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.
MBOF vs FBSI, KLIB, FSMK: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Marine Bancorp FLA'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.
Marine Bancorp FLA Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Marine Bancorp FLA's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Marine Bancorp FLA'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. 2024) net income data.
What does a Return-on-Tangible-Asset of 0.44% mean?
Marine Bancorp FLA (MBOF) has a Return-on-Tangible-Asset of 0.44% as of Dec. 2024. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Marine Bancorp FLA and its competitors. This is 43% below median its historical median of 0.77. Over the past decade, Marine Bancorp FLA's Return-on-Tangible-Asset has ranged from 0.44 to 0.99.
Is Marine Bancorp FLA's Return-on-Tangible-Asset too high?
Marine Bancorp FLA's current Return-on-Tangible-Asset of 0.44% is 43% below median its 10-year median of 0.77. Over the past 10 years, this metric has ranged from a low of 0.44 to a high of 0.99. The Banks industry median Return-on-Tangible-Asset is 1.01. Marine Bancorp FLA's value of 0.44% is 56.4% below this industry median. Overall, Marine Bancorp FLA has a GF Score™ of 31/100, reflecting its overall financial health beyond just this single metric.
How does Marine Bancorp FLA's Return-on-Tangible-Asset compare to FBSI and KLIB?
Marine Bancorp FLA's Return-on-Tangible-Asset of 0.44% can be compared against companies in the Banks industry. The industry median Return-on-Tangible-Asset is 1.01. Marine Bancorp FLA's value of 0.44% is 56.4% below this benchmark. Historically, Marine Bancorp FLA's own Return-on-Tangible-Asset has ranged from 0.44 to 0.99 over the past decade. While the company's 10-year median is 0.77 vs. the industry median of 1.01, Marine Bancorp FLA 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 1.01, based on 1,527 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. Marine Bancorp FLA's current Return-on-Tangible-Asset of 0.44% is 56.4% 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 Marine Bancorp FLA and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Marine Bancorp FLA's current Return-on-Tangible-Asset is 0.44%, which is 43% below median its own 10-year median of 0.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Marine Bancorp FLA stock overvalued right now?
Marine Bancorp FLA (MBOF) has a current Return-on-Tangible-Asset of 0.44%. The stock's GF Value™ is $18.47, compared to a current price of $43.75 — trading 136.9% above its estimated fair value. The current Return-on-Tangible-Asset is 0.44%, which is 43% below median its 10-year median of 0.77 and 56.4% below the Banks industry median of 1.01. Marine Bancorp FLA's overall GF Score™ is 31/100 with 7 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 Marine Bancorp FLA (MBOF), the current Return-on-Tangible-Asset is 0.44% as of Dec. 2024. 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 Marine Bancorp FLA (MBOF) Overvalued in 2026?
Based on GuruFocus' analysis, Marine Bancorp FLA stock appears to be overvalued.
The current stock price of $43.75 is trading 136.9% above its estimated GF Value™ of $18.47.
Key valuation signals for MBOF:
Return-on-Tangible-Asset: 0.44% (43% below median its 10-year median of 0.77)
GF Value™: $18.47 vs. price of $43.75 (136.9% above fair value)
No single metric tells the full story. See the MBOF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Marine Bancorp FLA Inc, through its subsidiary, is engaged in providing banking and related services. The Bank offers a variety of community banking services to individuals and corporate customers. The company offers Checking, Loans, Debit cards, Credit cards, Commercial Loans, Merchant Services, Business savings and money markets, Mobile Banking and related services. The loan portfolio segment includes Commercial real estate, Residential real estate, Construction and land development, Commercial and Consumer.
31GF Score
Get the complete analysis for MBOF
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
MBOF has been successfully added to your 
