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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. Pacific Alliance Bank CA's annualizedNet Income for the quarter that ended in Sep. 2024 was $0.00 Mil. Pacific Alliance Bank CA's average total tangible assets for the quarter that ended in Sep. 2024 was $0.00 Mil. Therefore, Pacific Alliance Bank CA's annualized Return-on-Tangible-Asset for the quarter that ended in Sep. 2024 was 0.00%.
The historical rank and industry rank for Pacific Alliance Bank CA's Return-on-Tangible-Asset or its related term are showing as below:
PFBN'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -6.75 Med: 0.73 Max: 1.46
Current: 0.54
During the past 7 years, Pacific Alliance Bank CA's highest Return-on-Tangible-Asset was 1.46%. The lowest was -6.75%. And the median was 0.73%.
PFBN's Return-on-Tangible-Asset is ranked worse than 76.1% of 1519
companies
in the Banks industry
Industry Median: 1.02
vs PFBN: 0.54
Pacific Alliance Bank CA (OTCPK:PFBN) 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.
Pacific Alliance Bank CA Return-on-Tangible-Asset Related Terms
Pacific Alliance Bank CA Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Pacific Alliance Bank CA'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.
Pacific Alliance Bank CA Return-on-Tangible-Asset Chart
PFBN vs ELMA, CDAB, HRBK: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Pacific Alliance Bank CA'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.
Pacific Alliance Bank CA Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Pacific Alliance Bank CA's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Pacific Alliance Bank CA'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 (Sep. 2024) net income data.
What does a Return-on-Tangible-Asset of 0.00% mean?
Pacific Alliance Bank CA (PFBN) has a Return-on-Tangible-Asset of 0.00% as of Sep. 2024. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Pacific Alliance Bank CA and its competitors. According to the industry distribution chart, Pacific Alliance Bank CA ranks #1156 out of 1519 companies in the Banks industry, placing it in the top 76.1%.
Is Pacific Alliance Bank CA's Return-on-Tangible-Asset too high?
Pacific Alliance Bank CA's current Return-on-Tangible-Asset is 0.00%. Based on the distribution chart, Pacific Alliance Bank CA ranks #1156 out of 1519 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Pacific Alliance Bank CA has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pacific Alliance Bank CA's Return-on-Tangible-Asset compare to ELMA and CDAB?
According to the Banks industry distribution chart, Pacific Alliance Bank CA ranks #1156 out of 1519 companies for Return-on-Tangible-Asset. This places Pacific Alliance Bank CA in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.02. 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 1.02, based on 1,519 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 Pacific Alliance Bank CA and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pacific Alliance Bank CA's current Return-on-Tangible-Asset is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pacific Alliance Bank CA stock overvalued right now?
Based on GuruFocus' analysis, Pacific Alliance Bank CA (PFBN) is currently considered Significantly Overvalued. The stock's GF Value™ is $8.49, compared to a current price of $11.98 — trading 41.1% above its estimated fair value. The current Return-on-Tangible-Asset is 0.00%. Pacific Alliance Bank CA's overall GF Score™ is 49/100 with 5 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 Pacific Alliance Bank CA (PFBN), the current Return-on-Tangible-Asset is 0.00% as of Sep. 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 Pacific Alliance Bank CA (PFBN) Overvalued in 2026?
Based on GuruFocus' analysis, Pacific Alliance Bank CA stock appears to be overvalued.
The current stock price of $11.98 is trading 41.1% above its estimated GF Value™ of $8.49.
GuruFocus considers Pacific Alliance Bank CA to be Significantly Overvalued.
Key valuation signals for PFBN:
Return-on-Tangible-Asset: 0.00%
GF Value™: $8.49 vs. price of $11.98 (41.1% above fair value)
No single metric tells the full story. See the PFBN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pacific Alliance Bank CA is a commercial bank, engaged in client relationships with businesses, client communities, related business owners, owner's families, and employees. The company delivers distinctive deposit, loan, and service products, based on client needs. It serves Rosemead, its surrounding communities, and Southern California in general. The bank has branches in San Gabriel, Rowland Heights, and Irvine.
49GF Score
Get the complete analysis for PFBN
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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