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Woodsboro Bk MDWOBK +1.18%57 Return-on-Tangible-Asset is 0.98% as of Dec. 2025, which is 32% above its 10-year median of 0.74. GuruFocus rates WOBK with a GF Score™ of 57/100 and a GF Value™ of $65.30 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,527 Banks companies, Woodsboro Bk MD ranks worse than 50.69% 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. Woodsboro Bk MD's annualizedNet Income for the quarter that ended in Dec. 2025 was $4.39 Mil. Woodsboro Bk MD's average total tangible assets for the quarter that ended in Dec. 2025 was $447.03 Mil. Therefore, Woodsboro Bk MD's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 0.98%.
The historical rank and industry rank for Woodsboro Bk MD's Return-on-Tangible-Asset or its related term are showing as below:
WOBK'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.45 Med: 0.74 Max: 0.98
Current: 0.98
During the past 7 years, Woodsboro Bk MD's highest Return-on-Tangible-Asset was 0.98%. The lowest was 0.45%. And the median was 0.74%.
WOBK's Return-on-Tangible-Asset is ranked worse than 50.69% of 1527
companies
in the Banks industry
Industry Median: 0.99
vs WOBK: 0.98
Woodsboro Bk MD (OTCPK:WOBK) 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.
Woodsboro Bk MD Return-on-Tangible-Asset Related Terms
Woodsboro Bk MD Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Woodsboro Bk MD'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.
WOBK vs FBPA, RBNK, JFWV: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Woodsboro Bk MD'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.
Woodsboro Bk MD Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Woodsboro Bk MD's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Woodsboro Bk MD'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 0.98% mean?
Woodsboro Bk MD (WOBK) has a Return-on-Tangible-Asset of 0.98% 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 Woodsboro Bk MD and its competitors. This is 32% above median its historical median of 0.74. Over the past decade, Woodsboro Bk MD's Return-on-Tangible-Asset has ranged from 0.45 to 0.98. According to the industry distribution chart, Woodsboro Bk MD ranks #774 out of 1527 companies in the Banks industry, placing it in the top 50.7%.
Is Woodsboro Bk MD's Return-on-Tangible-Asset too high?
Woodsboro Bk MD's current Return-on-Tangible-Asset of 0.98% is 32% above median its 10-year median of 0.74. Over the past 10 years, this metric has ranged from a low of 0.45 to a high of 0.98. The Banks industry median Return-on-Tangible-Asset is 0.99. Woodsboro Bk MD's value of 0.98% is 1% below this industry median. Based on the distribution chart, Woodsboro Bk MD ranks #774 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, Woodsboro Bk MD has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Woodsboro Bk MD's Return-on-Tangible-Asset compare to FBPA and RBNK?
According to the Banks industry distribution chart, Woodsboro Bk MD ranks #774 out of 1527 companies for Return-on-Tangible-Asset. This places Woodsboro Bk MD in the lower half of its industry. The industry median Return-on-Tangible-Asset is 0.99. Woodsboro Bk MD's value of 0.98% is 1% below this benchmark. Historically, Woodsboro Bk MD's own Return-on-Tangible-Asset has ranged from 0.45 to 0.98 over the past decade. While the company's 10-year median is 0.74 vs. the industry median of 0.99, Woodsboro Bk MD 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 0.99, 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. Woodsboro Bk MD's current Return-on-Tangible-Asset of 0.98% is 1% 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 Woodsboro Bk MD 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. Woodsboro Bk MD's current Return-on-Tangible-Asset is 0.98%, which is 32% above median its own 10-year median of 0.74. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Woodsboro Bk MD stock overvalued right now?
Based on GuruFocus' analysis, Woodsboro Bk MD (WOBK) is currently considered Significantly Overvalued. The stock's GF Value™ is $65.30, compared to a current price of $86.00 — trading 31.7% above its estimated fair value. The current Return-on-Tangible-Asset is 0.98%, which is 32% above median its 10-year median of 0.74 and 1% below the Banks industry median of 0.99. Woodsboro Bk MD's overall GF Score™ is 57/100 with 4 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 Woodsboro Bk MD (WOBK), the current Return-on-Tangible-Asset is 0.98% 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 Woodsboro Bk MD (WOBK) Overvalued in 2026?
Based on GuruFocus' analysis, Woodsboro Bk MD stock appears to be overvalued.
The current stock price of $86.00 is trading 31.7% above its estimated GF Value™ of $65.30.
GuruFocus considers Woodsboro Bk MD to be Significantly Overvalued.
Key valuation signals for WOBK:
Return-on-Tangible-Asset: 0.98% (32% above median its 10-year median of 0.74)
GF Value™: $65.30 vs. price of $86.00 (31.7% above fair value)
Industry Position: 1% below the Banks median (#774 of 1527)
No single metric tells the full story. See the WOBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Woodsboro Bk MD provides a variety of financial services to individuals and corporate customers in its principal market area of Frederick County, Maryland through its five offices in Woodsboro, Frederick, and Thurmont, Maryland. The Bank's loans are categorized into seven segments: commercial real estate, residential real estate, multifamily real estate, real estate construction, other construction and land development, commercial and consumer loans.
57GF Score
Get the complete analysis for WOBK
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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