MFBI (Monroe Federal Bancorp) Return-on-Tangible-Asset: -0.84% (As of Mar. 2026)


MFBI Monroe Federal Bancorp Inc MFBI
8 GF Score
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What is Monroe Federal Bancorp Return-on-Tangible-Asset?

Monroe Federal Bancorp MFBI 8 Return-on-Tangible-Asset is -0.84% as of Mar. 2026. GuruFocus rates MFBI with a GF Score™ of 8/100. The stock has 1 warning sign investors should review. Among 1,528 Banks companies, Monroe Federal Bancorp ranks worse than 96.53% 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. Monroe Federal Bancorp's annualized Net Income for the quarter that ended in Mar. 2026 was $-1.22 Mil. Monroe Federal Bancorp's average total tangible assets for the quarter that ended in Mar. 2026 was $145.19 Mil. Therefore, Monroe Federal Bancorp's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was -0.84%.

The historical rank and industry rank for Monroe Federal Bancorp's Return-on-Tangible-Asset or its related term are showing as below:

MFBI' s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -0.36   Med: -0.3   Max: -0.23
Current: -0.35

During the past 2 years, Monroe Federal Bancorp's highest Return-on-Tangible-Asset was -0.23%. The lowest was -0.36%. And the median was -0.30%.

MFBI's Return-on-Tangible-Asset is ranked worse than
96.53% of 1528 companies
in the Banks industry
Industry Median: 0.99 vs MFBI: -0.35

Monroe Federal Bancorp  (OTCPK:MFBI) 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 company’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 company’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.


Monroe Federal Bancorp Return-on-Tangible-Asset Related Terms


Monroe Federal Bancorp Return-on-Tangible-Asset Historical Data

* Premium members only.

The historical data trend for Monroe Federal Bancorp'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.

Monroe Federal Bancorp Return-on-Tangible-Asset Chart

Monroe Federal Bancorp Annual Data
Trend Mar25 Mar26
Return-on-Tangible-Asset
-0.23 -0.36

Monroe Federal Bancorp Quarterly Data
Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Return-on-Tangible-Asset Get a 7-Day Free Trial -0.01 -0.37 -0.26 0.05 -0.84

MFBI vs LWCL, EWSB, CARV: Return-on-Tangible-Asset Comparison

For the Banks - Regional subindustry, Monroe Federal Bancorp'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.


Monroe Federal Bancorp Return-on-Tangible-Asset vs Banks Industry

For the Banks industry and Financial Services sector, Monroe Federal Bancorp's Return-on-Tangible-Asset distribution charts can be found below:

* The bar in red indicates where Monroe Federal Bancorp's Return-on-Tangible-Asset falls into.


MFBI
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Monroe Federal Bancorp Inc MFBI
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Monroe Federal Bancorp Return-on-Tangible-Asset Calculation

Monroe Federal Bancorp's annualized Return-on-Tangible-Asset for the fiscal year that ended in Mar. 2026 is calculated as:

Return-on-Tangible-Asset=Net Income/( (Total Tangible Assets+Total Tangible Assets)/ count )
(A: Mar. 2026 )  (A: Mar. 2025 )(A: Mar. 2026 )
=Net Income/( (Total Assets - Intangible Assets+Total Assets - Intangible Assets)/ count )
(A: Mar. 2026 )  (A: Mar. 2025 )(A: Mar. 2026 )
=-0.515/( (144.329+142.429)/ 2 )
=-0.515/143.379
=-0.36 %

Monroe Federal Bancorp's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 is calculated as:

Return-on-Tangible-Asset=Net Income/( (Total Tangible Assets+Total Tangible Assets)/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=Net Income/( (Total Assets - Intangible Assets+Total Assets - Intangible Assets)/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=-1.216/( (147.943+142.429)/ 2 )
=-1.216/145.186
=-0.84 %

* 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 (Mar. 2026) net income data.

What does a Return-on-Tangible-Asset of -0.84% mean?
Monroe Federal Bancorp (MFBI) has a Return-on-Tangible-Asset of -0.84% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Monroe Federal Bancorp and its competitors. According to the industry distribution chart, Monroe Federal Bancorp ranks #1475 out of 1528 companies in the Banks industry, placing it in the top 96.5%.
Is Monroe Federal Bancorp's Return-on-Tangible-Asset too high?
Monroe Federal Bancorp's current Return-on-Tangible-Asset is -0.84%. Based on the distribution chart, Monroe Federal Bancorp ranks #1475 out of 1528 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Monroe Federal Bancorp has a GF Score™ of 8/100, reflecting its overall financial health beyond just this single metric.
How does Monroe Federal Bancorp's Return-on-Tangible-Asset compare to LWCL and EWSB?
According to the Banks industry distribution chart, Monroe Federal Bancorp ranks #1475 out of 1528 companies for Return-on-Tangible-Asset. This places Monroe Federal Bancorp in the lower half of its industry. The industry median Return-on-Tangible-Asset is 0.99. 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 0.99, based on 1,528 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. 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 Monroe Federal Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Monroe Federal Bancorp's current Return-on-Tangible-Asset is -0.84%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Monroe Federal Bancorp stock overvalued right now?
Monroe Federal Bancorp (MFBI) has a current Return-on-Tangible-Asset of -0.84%. The current Return-on-Tangible-Asset is -0.84%. Monroe Federal Bancorp's overall GF Score™ is 8/100 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 Monroe Federal Bancorp (MFBI), the current Return-on-Tangible-Asset is -0.84% as of Mar. 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.

Monroe Federal Bancorp Business Description

Address 24 East Main Street, Tipp City, OH, USA, 45371
Monroe Federal Bancorp Inc is a Financial institution offering various products and services for individual and commercial customers. The main products and services offered include checking, savings, and time deposits, including IRAs, and residential and commercial mortgage loans.
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