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.
Builders Capital MortgageTSXV:BCF +2.63%61 Return-on-Tangible-Asset is 7.71% as of Dec. 2025, which is 6% below its 10-year median of 8.19. GuruFocus rates TSXV:BCF with a GF Score™ of 61/100 and a GF Value™ of C$14.32 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 1,523 Banks companies, Builders Capital Mortgage ranks better than 99.02% 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. Builders Capital Mortgage's annualizedNet Income for the quarter that ended in Dec. 2025 was C$3.93 Mil. Builders Capital Mortgage's average total tangible assets for the quarter that ended in Dec. 2025 was C$51.03 Mil. Therefore, Builders Capital Mortgage's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 7.71%.
The historical rank and industry rank for Builders Capital Mortgage's Return-on-Tangible-Asset or its related term are showing as below:
TSXV:BCF'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 5.16 Med: 8.19 Max: 11.34
Current: 7.66
During the past 13 years, Builders Capital Mortgage's highest Return-on-Tangible-Asset was 11.34%. The lowest was 5.16%. And the median was 8.19%.
TSXV:BCF's Return-on-Tangible-Asset is ranked better than 99.02% of 1523
companies
in the Banks industry
Industry Median: 0.99
vs TSXV:BCF: 7.66
Builders Capital Mortgage (TSXV:BCF) 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.
Builders Capital Mortgage Return-on-Tangible-Asset Related Terms
Builders Capital Mortgage Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Builders Capital Mortgage'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.
Builders Capital Mortgage Return-on-Tangible-Asset Chart
TSXV:BCF vs RKT, FNMA, PFSI: Return-on-Tangible-Asset Comparison
For the Mortgage Finance subindustry, Builders Capital Mortgage'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.
Builders Capital Mortgage Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Builders Capital Mortgage's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Builders Capital Mortgage'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 (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 7.71% mean?
Builders Capital Mortgage (TSXV:BCF) has a Return-on-Tangible-Asset of 7.71% 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 Builders Capital Mortgage and its competitors. This is near median its historical median of 8.19. Over the past decade, Builders Capital Mortgage's Return-on-Tangible-Asset has ranged from 5.16 to 11.34. According to the industry distribution chart, Builders Capital Mortgage ranks #15 out of 1523 companies in the Banks industry, placing it in the top 1%.
Is Builders Capital Mortgage's Return-on-Tangible-Asset too high?
Builders Capital Mortgage's current Return-on-Tangible-Asset of 7.71% is near median its 10-year median of 8.19. Over the past 10 years, this metric has ranged from a low of 5.16 to a high of 11.34. The Banks industry median Return-on-Tangible-Asset is 0.99. Builders Capital Mortgage's value of 7.71% is 678.8% above this industry median. Based on the distribution chart, Builders Capital Mortgage ranks #15 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Builders Capital Mortgage has a GF Score™ of 61/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Builders Capital Mortgage's Return-on-Tangible-Asset compare to RKT and FNMA?
According to the Banks industry distribution chart, Builders Capital Mortgage ranks #15 out of 1523 companies for Return-on-Tangible-Asset. This places Builders Capital Mortgage in the top 1% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 0.99. Builders Capital Mortgage's value of 7.71% is 678.8% above this benchmark. Historically, Builders Capital Mortgage's own Return-on-Tangible-Asset has ranged from 5.16 to 11.34 over the past decade. While the company's 10-year median is 8.19 vs. the industry median of 0.99, Builders Capital Mortgage has consistently been above 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 0.99, based on 1,523 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. Builders Capital Mortgage's current Return-on-Tangible-Asset of 7.71% is 678.8% above 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 Builders Capital Mortgage 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. Builders Capital Mortgage's current Return-on-Tangible-Asset is 7.71%, which is near median its own 10-year median of 8.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Builders Capital Mortgage stock overvalued right now?
Based on GuruFocus' analysis, Builders Capital Mortgage (TSXV:BCF) is currently considered Possible Value Trap. The stock's GF Value™ is C$14.32, compared to a current price of C$9.75 — trading 31.9% below its estimated fair value. The current Return-on-Tangible-Asset is 7.71%, which is near median its 10-year median of 8.19 and 678.8% above the Banks industry median of 0.99. Builders Capital Mortgage's overall GF Score™ is 61/100 with 6 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 Builders Capital Mortgage (TSXV:BCF), the current Return-on-Tangible-Asset is 7.71% 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 Builders Capital Mortgage (TSXV:BCF) Overvalued in 2026?
Based on GuruFocus' analysis, Builders Capital Mortgage stock appears to be undervalued.
The current stock price of C$9.75 is trading 31.9% below its estimated GF Value™ of C$14.32.
GuruFocus considers Builders Capital Mortgage to be Possible Value Trap.
Key valuation signals for TSXV:BCF:
Return-on-Tangible-Asset: 7.71% (near median its 10-year median of 8.19)
GF Value™: C$14.32 vs. price of C$9.75 (31.9% below fair value)
Industry Position: 678.8% above the Banks median (#15 of 1523)
No single metric tells the full story. See the TSXV:BCF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Builders Capital Mortgage Corp is a mortgage lender providing short-term course-of-construction financing to builders of residential, wood-frame properties in Western Canada. The company's business is to acquire, originate and maintain a portfolio consisting of construction mortgages that are secured by development stage residential real property. Its investment objective is to generate attractive returns, relative to risk, to provide stable and consistent distributions to shareholders while remaining focused on capital preservation and satisfying the criteria mandated for mortgage investment corporations.
61GF Score
Get the complete analysis for TSXV:BCF
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
TSXV:BCF has been successfully added to your 
