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.
Bank of Labor BancsharesBHDB 56 Return-on-Tangible-Equity is 27.79% as of Dec. 2025, which is 81% above its 10-year median of 15.34. GuruFocus rates BHDB with a GF Scoreâ„¢ of 56/100 and a GF Valueâ„¢ of $60.47 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,522 Banks companies, Bank of Labor Bancshares ranks better than 95.4% 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. Bank of Labor Bancshares's annualized net income for the quarter that ended in Dec. 2025 was $9.11 Mil. Bank of Labor Bancshares's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $32.78 Mil. Therefore, Bank of Labor Bancshares's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 27.79%.
The historical rank and industry rank for Bank of Labor Bancshares's Return-on-Tangible-Equity or its related term are showing as below:
BHDB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 2.91 Med: 15.34 Max: 85.98
Current: 27.79
During the past 7 years, Bank of Labor Bancshares's highest Return-on-Tangible-Equity was 85.98%. The lowest was 2.91%. And the median was 15.34%.
BHDB's Return-on-Tangible-Equity is ranked better than 95.4% of 1522
companies
in the Banks industry
Industry Median: 11.41
vs BHDB: 27.79
Bank of Labor Bancshares (OTCPK:BHDB) 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.
Bank of Labor Bancshares Return-on-Tangible-Equity Related Terms
Bank of Labor Bancshares Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Bank of Labor Bancshares'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.
Bank of Labor Bancshares Return-on-Tangible-Equity Chart
BHDB vs HCKG, EFSG, EXCH: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Bank of Labor Bancshares'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.
Bank of Labor Bancshares Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Bank of Labor Bancshares's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Bank of Labor Bancshares'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 27.79% mean?
Bank of Labor Bancshares (BHDB) has a Return-on-Tangible-Equity of 27.79% 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 Bank of Labor Bancshares and its competitors. This is 81% above median its historical median of 15.34. Over the past decade, Bank of Labor Bancshares' Return-on-Tangible-Equity has ranged from 2.91 to 85.98. According to the industry distribution chart, Bank of Labor Bancshares ranks #70 out of 1522 companies in the Banks industry, placing it in the top 4.6%.
Is Bank of Labor Bancshares' Return-on-Tangible-Equity too high?
Bank of Labor Bancshares' current Return-on-Tangible-Equity of 27.79% is 81% above median its 10-year median of 15.34. Over the past 10 years, this metric has ranged from a low of 2.91 to a high of 85.98. The Banks industry median Return-on-Tangible-Equity is 11.41. Bank of Labor Bancshares' value of 27.79% is 143.6% above this industry median. Based on the distribution chart, Bank of Labor Bancshares ranks #70 out of 1522 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bank of Labor Bancshares has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank of Labor Bancshares' Return-on-Tangible-Equity compare to HCKG and EFSG?
According to the Banks industry distribution chart, Bank of Labor Bancshares ranks #70 out of 1522 companies for Return-on-Tangible-Equity. This places Bank of Labor Bancshares in the top 5% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.41. Bank of Labor Bancshares' value of 27.79% is 143.6% above this benchmark. Historically, Bank of Labor Bancshares' own Return-on-Tangible-Equity has ranged from 2.91 to 85.98 over the past decade. While the company's 10-year median is 15.34 vs. the industry median of 11.41, Bank of Labor Bancshares 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.41, based on 1,522 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. Bank of Labor Bancshares's current Return-on-Tangible-Equity of 27.79% is 143.6% 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-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 Bank of Labor Bancshares and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of Labor Bancshares's current Return-on-Tangible-Equity is 27.79%, which is 81% above median its own 10-year median of 15.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of Labor Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Bank of Labor Bancshares (BHDB) is currently considered Significantly Overvalued. The stock's GF Value™ is $60.47, compared to a current price of $124.00 — trading 105.1% above its estimated fair value. The current Return-on-Tangible-Equity is 27.79%, which is 81% above median its 10-year median of 15.34 and 143.6% above the Banks industry median of 11.41. Bank of Labor Bancshares' overall GF Score™ is 56/100 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Bank of Labor Bancshares (BHDB), the current Return-on-Tangible-Equity is 27.79% 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 Bank of Labor Bancshares (BHDB) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of Labor Bancshares stock appears to be overvalued.
The current stock price of $124.00 is trading 105.1% above its estimated GF Value™ of $60.47.
GuruFocus considers Bank of Labor Bancshares to be Significantly Overvalued.
Key valuation signals for BHDB:
Return-on-Tangible-Equity: 27.79% (81% above median its 10-year median of 15.34)
GF Value™: $60.47 vs. price of $124.00 (105.1% above fair value)
Industry Position: 143.6% above the Banks median (#70 of 1522)
No single metric tells the full story. See the BHDB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank of Labor Bancshares Inc is a bank holding company offering personal and commercial banking services. The bank's portfolio include Real Estate segment, Commercial Segment, Consumer and others segment. The services provided by the bank include Personal banking services, Business services, Lending services, Trust and investment services, card services, online banking, and others.
56GF Score
Get the complete analysis for BHDB
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
BHDB has been successfully added to your 
