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Mauch Chunk Trust FinancialMCHT +6.40%48 Return-on-Tangible-Asset is 0.20% as of Dec. 2025, which is 64% below its 10-year median of 0.55. GuruFocus rates MCHT with a GF Score™ of 48/100 and a GF Value™ of $6.75 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,524 Banks companies, Mauch Chunk Trust Financial ranks worse than 90.49% on this metric.
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.
Mauch Chunk Trust Financial Return-on-Tangible-Asset Related Terms
Mauch Chunk Trust Financial 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.
MCHT vs CNAF, UNIF, SNNF: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Mauch Chunk Trust 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.
Mauch Chunk Trust Financial Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Mauch Chunk Trust Financial's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Mauch Chunk Trust 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 0.20% mean?
Mauch Chunk Trust Financial (MCHT) has a Return-on-Tangible-Asset of 0.20% 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 Mauch Chunk Trust Financial and its competitors. This is 64% below median its historical median of 0.55. Over the past decade, Mauch Chunk Trust Financial's Return-on-Tangible-Asset has ranged from 0.20 to 0.85. According to the industry distribution chart, Mauch Chunk Trust Financial ranks #1379 out of 1524 companies in the Banks industry, placing it in the top 90.5%.
Is Mauch Chunk Trust Financial's Return-on-Tangible-Asset too high?
Mauch Chunk Trust Financial's current Return-on-Tangible-Asset of 0.20% is 64% below median its 10-year median of 0.55. Over the past 10 years, this metric has ranged from a low of 0.20 to a high of 0.85. The Banks industry median Return-on-Tangible-Asset is 1.00. Mauch Chunk Trust Financial's value of 0.20% is 79.9% below this industry median. Based on the distribution chart, Mauch Chunk Trust Financial ranks #1379 out of 1524 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Mauch Chunk Trust Financial has a GF Score™ of 48/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Mauch Chunk Trust Financial's Return-on-Tangible-Asset compare to CNAF and UNIF?
According to the Banks industry distribution chart, Mauch Chunk Trust Financial ranks #1379 out of 1524 companies for Return-on-Tangible-Asset. This places Mauch Chunk Trust Financial in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.00. Mauch Chunk Trust Financial's value of 0.20% is 79.9% below this benchmark. Historically, Mauch Chunk Trust Financial's own Return-on-Tangible-Asset has ranged from 0.20 to 0.85 over the past decade. While the company's 10-year median is 0.55 vs. the industry median of 1.00, Mauch Chunk Trust 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 1.00, 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. Mauch Chunk Trust Financial's current Return-on-Tangible-Asset of 0.20% is 79.9% 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 Mauch Chunk Trust Financial 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. Mauch Chunk Trust Financial's current Return-on-Tangible-Asset is 0.20%, which is 64% below median its own 10-year median of 0.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mauch Chunk Trust Financial stock overvalued right now?
Based on GuruFocus' analysis, Mauch Chunk Trust Financial (MCHT) is currently considered Fairly Valued. The stock's GF Value™ is $6.75, compared to a current price of $6.65 — trading 1.5% below its estimated fair value. The current Return-on-Tangible-Asset is 0.20%, which is 64% below median its 10-year median of 0.55 and 79.9% below the Banks industry median of 1.00. Mauch Chunk Trust Financial's overall GF Score™ is 48/100 with 2 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 Mauch Chunk Trust Financial (MCHT), the current Return-on-Tangible-Asset is 0.20% 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 Mauch Chunk Trust Financial (MCHT) Overvalued in 2026?
Based on GuruFocus' analysis, Mauch Chunk Trust Financial stock appears to be undervalued.
The current stock price of $6.65 is trading 1.5% below its estimated GF Value™ of $6.75.
GuruFocus considers Mauch Chunk Trust Financial to be Fairly Valued.
Key valuation signals for MCHT:
Return-on-Tangible-Asset: 0.20% (64% below median its 10-year median of 0.55)
GF Value™: $6.75 vs. price of $6.65 (1.5% below fair value)
Industry Position: 79.9% below the Banks median (#1379 of 1524)
No single metric tells the full story. See the MCHT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mauch Chunk Trust Financial Corp is a bank holding company. Through its banking subsidiary, it provides full banking services, including trust services. The Group's various financial products and service offerings include personal loans, credit cards, savings accounts, checking accounts, wealth management solutions, home equity loans, trust services, business savings accounts, small business loans, municipal leasing, and commercial letters of credit, among others. These services are offered to both individuals and business clients through a network of branch offices located across Jim Thorpe, Albrightsville, Nesquehoning, Lehighton, Hometown, and West Penn, USA.
48GF 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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