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Baker Boyer BancorpBBBK 64 Return-on-Tangible-Equity is 6.01% as of Jun. 2026, which is 38% below its 10-year median of 9.73. GuruFocus rates BBBK with a GF Score™ of 64/100 and a GF Value™ of $45.28 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,521 Banks companies, Baker Boyer Bancorp ranks worse than 76.79% 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. Baker Boyer Bancorp's annualized net income for the quarter that ended in Jun. 2026 was $3.64 Mil. Baker Boyer Bancorp's average shareholder tangible equity for the quarter that ended in Jun. 2026 was $60.49 Mil. Therefore, Baker Boyer Bancorp's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2026 was 6.01%.
The historical rank and industry rank for Baker Boyer Bancorp's Return-on-Tangible-Equity or its related term are showing as below:
BBBK'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 3.65 Med: 9.73 Max: 15.01
Current: 6.51
During the past 13 years, Baker Boyer Bancorp's highest Return-on-Tangible-Equity was 15.01%. The lowest was 3.65%. And the median was 9.73%.
BBBK's Return-on-Tangible-Equity is ranked worse than 76.79% of 1521
companies
in the Banks industry
Industry Median: 11.42
vs BBBK: 6.51
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.
Baker Boyer Bancorp Return-on-Tangible-Equity Related Terms
Baker Boyer Bancorp Return-on-Tangible-Equity Historical Data
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The historical data trend for Baker Boyer 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.
BBBK vs CIBH, NIDB, INFT: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Baker Boyer 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.
Baker Boyer Bancorp Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Baker Boyer Bancorp's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Baker Boyer 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 four times the quarterly (Jun. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 6.01% mean?
Baker Boyer Bancorp (BBBK) has a Return-on-Tangible-Equity of 6.01% as of Jun. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Baker Boyer Bancorp and its competitors. This is 38% below median its historical median of 9.73. Over the past decade, Baker Boyer Bancorp's Return-on-Tangible-Equity has ranged from 3.65 to 15.01. According to the industry distribution chart, Baker Boyer Bancorp ranks #1168 out of 1521 companies in the Banks industry, placing it in the top 76.8%.
Is Baker Boyer Bancorp's Return-on-Tangible-Equity too high?
Baker Boyer Bancorp's current Return-on-Tangible-Equity of 6.01% is 38% below median its 10-year median of 9.73. Over the past 10 years, this metric has ranged from a low of 3.65 to a high of 15.01. The Banks industry median Return-on-Tangible-Equity is 11.42. Baker Boyer Bancorp's value of 6.01% is 47.4% below this industry median. Based on the distribution chart, Baker Boyer Bancorp ranks #1168 out of 1521 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Baker Boyer Bancorp has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Baker Boyer Bancorp's Return-on-Tangible-Equity compare to CIBH and NIDB?
According to the Banks industry distribution chart, Baker Boyer Bancorp ranks #1168 out of 1521 companies for Return-on-Tangible-Equity. This places Baker Boyer Bancorp in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.42. Baker Boyer Bancorp's value of 6.01% is 47.4% below this benchmark. Historically, Baker Boyer Bancorp's own Return-on-Tangible-Equity has ranged from 3.65 to 15.01 over the past decade. While the company's 10-year median is 9.73 vs. the industry median of 11.42, Baker Boyer 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 11.42, based on 1,521 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. Baker Boyer Bancorp's current Return-on-Tangible-Equity of 6.01% is 47.4% 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 Baker Boyer Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Baker Boyer Bancorp's current Return-on-Tangible-Equity is 6.01%, which is 38% below median its own 10-year median of 9.73. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Baker Boyer Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Baker Boyer Bancorp (BBBK) is currently considered Fairly Valued. The stock's GF Value™ is $45.28, compared to a current price of $42.99 — trading 5.1% below its estimated fair value. The current Return-on-Tangible-Equity is 6.01%, which is 38% below median its 10-year median of 9.73 and 47.4% below the Banks industry median of 11.42. Baker Boyer Bancorp's overall GF Score™ is 64/100 with 3 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 Baker Boyer Bancorp (BBBK), the current Return-on-Tangible-Equity is 6.01% as of Jun. 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.
Is Baker Boyer Bancorp (BBBK) Overvalued in 2026?
Based on GuruFocus' analysis, Baker Boyer Bancorp stock appears to be undervalued.
The current stock price of $42.99 is trading 5.1% below its estimated GF Value™ of $45.28.
GuruFocus considers Baker Boyer Bancorp to be Fairly Valued.
Key valuation signals for BBBK:
Return-on-Tangible-Equity: 6.01% (38% below median its 10-year median of 9.73)
GF Value™: $45.28 vs. price of $42.99 (5.1% below fair value)
Industry Position: 47.4% below the Banks median (#1168 of 1521)
No single metric tells the full story. See the BBBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Baker Boyer Bancorp and its wholly-owned subsidiary provide banking services predominantly to the greater Walla Walla, Columbia Valley, and Yakima area of south eastern Washington and north eastern Oregon. The company offers its services to individuals, small businesses, and the agricultural industry. The primary sources of revenue for the company are loans, investment securities, and wealth management services.
64GF Score
Get the complete analysis for BBBK
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