GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » BEO Bancorp OR (OTCPK:BEOB) » Definitions » Return-on-Tangible-Equity

BEO Bancorp OR (BEO Bancorp OR) Return-on-Tangible-Equity : 18.04% (As of Sep. 2007)


View and export this data going back to 2004. Start your Free Trial

What is BEO Bancorp OR Return-on-Tangible-Equity?

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. BEO Bancorp OR's annualized net income for the quarter that ended in Sep. 2007 was $4.29 Mil. BEO Bancorp OR's average shareholder tangible equity for the quarter that ended in Sep. 2007 was $23.77 Mil. Therefore, BEO Bancorp OR's annualized Return-on-Tangible-Equity for the quarter that ended in Sep. 2007 was 18.04%.

The historical rank and industry rank for BEO Bancorp OR's Return-on-Tangible-Equity or its related term are showing as below:

BEOB's Return-on-Tangible-Equity is not ranked *
in the Banks industry.
Industry Median: 10.78
* Ranked among companies with meaningful Return-on-Tangible-Equity only.

BEO Bancorp OR Return-on-Tangible-Equity Historical Data

The historical data trend for BEO Bancorp OR'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.

* Premium members only.

BEO Bancorp OR Return-on-Tangible-Equity Chart

BEO Bancorp OR Annual Data
Trend Dec03 Dec04 Dec05 Dec06
Return-on-Tangible-Equity
12.30 15.77 15.17 20.05

BEO Bancorp OR Quarterly Data
Mar04 Jun04 Sep04 Dec04 Mar05 Jun05 Sep05 Dec05 Mar06 Jun06 Sep06 Dec06 Mar07 Jun07 Sep07
Return-on-Tangible-Equity Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 14.33 6.77 18.50 17.10 18.04

Competitive Comparison of BEO Bancorp OR's Return-on-Tangible-Equity

For the Banks - Regional subindustry, BEO Bancorp OR'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.


BEO Bancorp OR's Return-on-Tangible-Equity Distribution in the Banks Industry

For the Banks industry and Financial Services sector, BEO Bancorp OR's Return-on-Tangible-Equity distribution charts can be found below:

* The bar in red indicates where BEO Bancorp OR's Return-on-Tangible-Equity falls into.



BEO Bancorp OR Return-on-Tangible-Equity Calculation

BEO Bancorp OR's annualized Return-on-Tangible-Equity for the fiscal year that ended in Dec. 2006 is calculated as

Return-on-Tangible-Equity=Net Income/( (Total Tangible Equity+Total Tangible Equity)/ count )
(A: Dec. 2006 )  (A: Dec. 2005 )(A: Dec. 2006 )
=Net Income/( (Total Stockholders Equity - Intangible Assets+Total Stockholders Equity - Intangible Assets )/ count )
(A: Dec. 2006 )  (A: Dec. 2005 )(A: Dec. 2006 )
=1.465/( (6.511+8.1 )/ 2 )
=1.465/7.3055
=20.05 %

BEO Bancorp OR's annualized Return-on-Tangible-Equity for the quarter that ended in Sep. 2007 is calculated as

Return-on-Tangible-Equity=Net Income/( (Total Tangible Equity+Total Tangible Equity)/ count )
(Q: Sep. 2007 )  (Q: Jun. 2007 )(Q: Sep. 2007 )
=Net Income/( (Total Stockholders Equity - Intangible Assets+Total Stockholders Equity - Intangible Assets)/ count )
(Q: Sep. 2007 )  (Q: Jun. 2007 )(Q: Sep. 2007 )
=4.288/( (15.698+31.846)/ 2 )
=4.288/23.772
=18.04 %

* 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 (Sep. 2007) net income data. Return-on-Tangible-Equity is displayed in the 10-year financial page.


BEO Bancorp OR  (OTCPK:BEOB) Return-on-Tangible-Equity Explanation

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.


BEO Bancorp OR Return-on-Tangible-Equity Related Terms

Thank you for viewing the detailed overview of BEO Bancorp OR's Return-on-Tangible-Equity provided by GuruFocus.com. Please click on the following links to see related term pages.


BEO Bancorp OR (BEO Bancorp OR) Business Description

Traded in Other Exchanges
N/A
Address
250 NW Gale Street, PO Box 39, Heppner, OR, USA, 97836
BEO Bancorp OR provides commercial and consumer financing, banking and mortgage lending and other services in Northeastern Oregon. The company activities include lending and deposit functions such as commercial, agricultural, real estate, instalment, credit card and mortgage loans; checking, money market, time deposit and savings accounts; internet banking and bill payment; automated teller machines and safe deposit facilities.

BEO Bancorp OR (BEO Bancorp OR) Headlines

No Headlines