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.
Boyle BancorpBYLB +0.39%61 Return-on-Tangible-Equity is 15.79% as of Dec. 2025, which is 6% above its 10-year median of 14.89. GuruFocus rates BYLB with a GF Score™ of 61/100 and a GF Value™ of $106.04 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,522 Banks companies, Boyle Bancorp ranks better than 77.53% 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. Boyle Bancorp's annualized net income for the quarter that ended in Dec. 2025 was $13.27 Mil. Boyle Bancorp's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $84.04 Mil. Therefore, Boyle Bancorp's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 15.79%.
The historical rank and industry rank for Boyle Bancorp's Return-on-Tangible-Equity or its related term are showing as below:
BYLB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 8.22 Med: 14.89 Max: 16.93
Current: 15.79
During the past 7 years, Boyle Bancorp's highest Return-on-Tangible-Equity was 16.93%. The lowest was 8.22%. And the median was 14.89%.
BYLB's Return-on-Tangible-Equity is ranked better than 77.53% of 1522
companies
in the Banks industry
Industry Median: 11.375
vs BYLB: 15.79
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.
Boyle Bancorp Return-on-Tangible-Equity Related Terms
Boyle Bancorp Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Boyle 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.
BYLB vs NMBF, OXBC, HARL: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Boyle 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.
Boyle Bancorp Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Boyle Bancorp's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Boyle 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 15.79% mean?
Boyle Bancorp (BYLB) has a Return-on-Tangible-Equity of 15.79% 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 Boyle Bancorp and its competitors. This is near median its historical median of 14.89. Over the past decade, Boyle Bancorp's Return-on-Tangible-Equity has ranged from 8.22 to 16.93. According to the industry distribution chart, Boyle Bancorp ranks #342 out of 1522 companies in the Banks industry, placing it in the top 22.5%.
Is Boyle Bancorp's Return-on-Tangible-Equity too high?
Boyle Bancorp's current Return-on-Tangible-Equity of 15.79% is near median its 10-year median of 14.89. Over the past 10 years, this metric has ranged from a low of 8.22 to a high of 16.93. The Banks industry median Return-on-Tangible-Equity is 11.38. Boyle Bancorp's value of 15.79% is 38.8% above this industry median. Based on the distribution chart, Boyle Bancorp ranks #342 out of 1522 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Boyle Bancorp has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Boyle Bancorp's Return-on-Tangible-Equity compare to NMBF and OXBC?
According to the Banks industry distribution chart, Boyle Bancorp ranks #342 out of 1522 companies for Return-on-Tangible-Equity. This places Boyle Bancorp in the top 23% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.38. Boyle Bancorp's value of 15.79% is 38.8% above this benchmark. Historically, Boyle Bancorp's own Return-on-Tangible-Equity has ranged from 8.22 to 16.93 over the past decade. While the company's 10-year median is 14.89 vs. the industry median of 11.38, Boyle Bancorp 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 11.38, 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. Boyle Bancorp's current Return-on-Tangible-Equity of 15.79% is 38.8% 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 Boyle Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Boyle Bancorp's current Return-on-Tangible-Equity is 15.79%, which is near median its own 10-year median of 14.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Boyle Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Boyle Bancorp (BYLB) is currently considered Modestly Overvalued. The stock's GF Value™ is $106.04, compared to a current price of $127.50 — trading 20.2% above its estimated fair value. The current Return-on-Tangible-Equity is 15.79%, which is near median its 10-year median of 14.89 and 38.8% above the Banks industry median of 11.38. Boyle Bancorp's overall GF Score™ is 61/100 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 Boyle Bancorp (BYLB), the current Return-on-Tangible-Equity is 15.79% 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 Boyle Bancorp (BYLB) Overvalued in 2026?
Based on GuruFocus' analysis, Boyle Bancorp stock appears to be overvalued.
The current stock price of $127.50 is trading 20.2% above its estimated GF Value™ of $106.04.
GuruFocus considers Boyle Bancorp to be Modestly Overvalued.
Key valuation signals for BYLB:
Return-on-Tangible-Equity: 15.79% (near median its 10-year median of 14.89)
GF Value™: $106.04 vs. price of $127.50 (20.2% above fair value)
Industry Position: 38.8% above the Banks median (#342 of 1522)
No single metric tells the full story. See the BYLB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Boyle Bancorp Inc operates as a bank holding company whose principal activity is the ownership and management of its wholly owned subsidiary, Farmers National Bank, Danville (Bank) and wholly owned subsidiary BYLB Investments. The Bank provides a full range of banking and financial services to individual and corporate customers in central Kentucky. The Company grants agribusiness, commercial and residential loans to customers throughout Kentucky.
61GF Score
Get the complete analysis for BYLB
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
BYLB has been successfully added to your 
