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.
Baraboo BancorpBAOB -0.76%47 Return-on-Tangible-Equity is 8.86% as of Dec. 2025, which is 4% above its 10-year median of 8.53. GuruFocus rates BAOB with a GF Score™ of 47/100 and a GF Value™ of $4.27 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,526 Banks companies, Baraboo Bancorp ranks worse than 64.29% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Baraboo Bancorp's annualized net income for the quarter that ended in Dec. 2025 was $5.41 Mil. Baraboo Bancorp's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $61.02 Mil. Therefore, Baraboo Bancorp's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 8.86%.
The historical rank and industry rank for Baraboo Bancorp's Return-on-Tangible-Equity or its related term are showing as below:
BAOB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 6.83 Med: 8.53 Max: 13.19
Current: 8.86
During the past 13 years, Baraboo Bancorp's highest Return-on-Tangible-Equity was 13.19%. The lowest was 6.83%. And the median was 8.53%.
BAOB's Return-on-Tangible-Equity is ranked worse than 64.29% of 1526
companies
in the Banks industry
Industry Median: 11.205
vs BAOB: 8.86
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Baraboo Bancorp Return-on-Tangible-Equity Related Terms
Baraboo Bancorp Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Baraboo Bancorp's Return-on-Tangible-Equity 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.
BAOB vs FMFG, CEFC, BBBK: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Baraboo Bancorp's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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.
Baraboo Bancorp Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Baraboo Bancorp's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Baraboo Bancorp's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 8.86% mean?
Baraboo Bancorp (BAOB) has a Return-on-Tangible-Equity of 8.86% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Baraboo Bancorp and its competitors. This is near median its historical median of 8.53. Over the past decade, Baraboo Bancorp's Return-on-Tangible-Equity has ranged from 6.83 to 13.19. According to the industry distribution chart, Baraboo Bancorp ranks #981 out of 1526 companies in the Banks industry, placing it in the top 64.3%.
Is Baraboo Bancorp's Return-on-Tangible-Equity too high?
Baraboo Bancorp's current Return-on-Tangible-Equity of 8.86% is near median its 10-year median of 8.53. Over the past 10 years, this metric has ranged from a low of 6.83 to a high of 13.19. The Banks industry median Return-on-Tangible-Equity is 11.21. Baraboo Bancorp's value of 8.86% is 20.9% below this industry median. Based on the distribution chart, Baraboo Bancorp ranks #981 out of 1526 companies in the Banks industry, which is below the industry midpoint. Overall, Baraboo Bancorp has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Baraboo Bancorp's Return-on-Tangible-Equity compare to FMFG and CEFC?
According to the Banks industry distribution chart, Baraboo Bancorp ranks #981 out of 1526 companies for Return-on-Tangible-Equity. This places Baraboo Bancorp in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.21. Baraboo Bancorp's value of 8.86% is 20.9% below this benchmark. Historically, Baraboo Bancorp's own Return-on-Tangible-Equity has ranged from 6.83 to 13.19 over the past decade. While the company's 10-year median is 8.53 vs. the industry median of 11.21, Baraboo Bancorp 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.21, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Baraboo Bancorp's current Return-on-Tangible-Equity of 8.86% is 20.9% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Baraboo Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Baraboo Bancorp's current Return-on-Tangible-Equity is 8.86%, which is near median its own 10-year median of 8.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Baraboo Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Baraboo Bancorp (BAOB) is currently considered Significantly Overvalued. The stock's GF Value™ is $4.27, compared to a current price of $6.55 — trading 53.4% above its estimated fair value. The current Return-on-Tangible-Equity is 8.86%, which is near median its 10-year median of 8.53 and 20.9% below the Banks industry median of 11.21. Baraboo Bancorp's overall GF Score™ is 47/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Baraboo Bancorp (BAOB), the current Return-on-Tangible-Equity is 8.86% 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 Baraboo Bancorp (BAOB) Overvalued in 2026?
Based on GuruFocus' analysis, Baraboo Bancorp stock appears to be overvalued.
The current stock price of $6.55 is trading 53.4% above its estimated GF Value™ of $4.27.
GuruFocus considers Baraboo Bancorp to be Significantly Overvalued.
Key valuation signals for BAOB:
Return-on-Tangible-Equity: 8.86% (near median its 10-year median of 8.53)
GF Value™: $4.27 vs. price of $6.55 (53.4% above fair value)
Industry Position: 20.9% below the Banks median (#981 of 1526)
No single metric tells the full story. See the BAOB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Baraboo Bancorp Inc operates as the holding company for Baraboo State Bank, which provides various personal and business banking products and services. It offers customer service, a wide variety of accounts, competitive loan rates, online banking, and investments.
47GF Score
Get the complete analysis for BAOB
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BAOB has been successfully added to your 
