Croghan BancsharesCHBH -0.98%57 Return-on-Tangible-Equity is 11.19% as of Mar. 2026, which is 12% below its 10-year median of 12.78. GuruFocus rates CHBH with a GF Score™ of 57/100 and a GF Value™ of $58.61 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,521 Banks companies, Croghan Bancshares ranks worse than 56.8% 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. Croghan Bancshares's annualized net income for the quarter that ended in Mar. 2026 was $14.08 Mil. Croghan Bancshares's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $125.82 Mil. Therefore, Croghan Bancshares's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 11.19%.
The historical rank and industry rank for Croghan Bancshares's Return-on-Tangible-Equity or its related term are showing as below:
CHBH'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 10.1 Med: 12.78 Max: 13.74
Current: 10.14
During the past 13 years, Croghan Bancshares's highest Return-on-Tangible-Equity was 13.74%. The lowest was 10.10%. And the median was 12.78%.
CHBH's Return-on-Tangible-Equity is ranked worse than 56.8% of 1521
companies
in the Banks industry
Industry Median: 11.19
vs CHBH: 10.14
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.
Croghan Bancshares Return-on-Tangible-Equity Related Terms
Croghan Bancshares Return-on-Tangible-Equity Historical Data
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The historical data trend for Croghan 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.
CHBH vs PPBN, FCPB, CTUY: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Croghan 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.
Croghan Bancshares Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Croghan Bancshares's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Croghan 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 four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 11.19% mean?
Croghan Bancshares (CHBH) has a Return-on-Tangible-Equity of 11.19% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Croghan Bancshares and its competitors. This is 12% below median its historical median of 12.78. Over the past decade, Croghan Bancshares' Return-on-Tangible-Equity has ranged from 10.10 to 13.74. According to the industry distribution chart, Croghan Bancshares ranks #864 out of 1521 companies in the Banks industry, placing it in the top 56.8%.
Is Croghan Bancshares' Return-on-Tangible-Equity too high?
Croghan Bancshares' current Return-on-Tangible-Equity of 11.19% is 12% below median its 10-year median of 12.78. Over the past 10 years, this metric has ranged from a low of 10.10 to a high of 13.74. The Banks industry median Return-on-Tangible-Equity is 11.19. Croghan Bancshares' value of 11.19% is 0% at this industry median. Based on the distribution chart, Croghan Bancshares ranks #864 out of 1521 companies in the Banks industry, which is below the industry midpoint. Overall, Croghan Bancshares has a GF Score™ of 57/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Croghan Bancshares' Return-on-Tangible-Equity compare to PPBN and FCPB?
According to the Banks industry distribution chart, Croghan Bancshares ranks #864 out of 1521 companies for Return-on-Tangible-Equity. This places Croghan Bancshares in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.19. Croghan Bancshares' value of 11.19% is 0% at this benchmark. Historically, Croghan Bancshares' own Return-on-Tangible-Equity has ranged from 10.10 to 13.74 over the past decade. While the company's 10-year median is 12.78 vs. the industry median of 11.19, Croghan Bancshares has consistently been at 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 11.19, 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. Croghan Bancshares's current Return-on-Tangible-Equity of 11.19% is 0% at 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 Croghan Bancshares and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Croghan Bancshares's current Return-on-Tangible-Equity is 11.19%, which is 12% below median its own 10-year median of 12.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Croghan Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Croghan Bancshares (CHBH) is currently considered Fairly Valued. The stock's GF Value™ is $58.61, compared to a current price of $61.99 — trading 5.8% above its estimated fair value. The current Return-on-Tangible-Equity is 11.19%, which is 12% below median its 10-year median of 12.78 and 0% at the Banks industry median of 11.19. Croghan Bancshares' overall GF Score™ is 57/100 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 Croghan Bancshares (CHBH), the current Return-on-Tangible-Equity is 11.19% as of Mar. 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 Croghan Bancshares (CHBH) Overvalued in 2026?
Based on GuruFocus' analysis, Croghan Bancshares stock appears to be overvalued.
The current stock price of $61.99 is trading 5.8% above its estimated GF Value™ of $58.61.
GuruFocus considers Croghan Bancshares to be Fairly Valued.
Key valuation signals for CHBH:
Return-on-Tangible-Equity: 11.19% (12% below median its 10-year median of 12.78)
GF Value™: $58.61 vs. price of $61.99 (5.8% above fair value)
Industry Position: 0% at the Banks median (#864 of 1521)
No single metric tells the full story. See the CHBH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Croghan Bancshares Inc is a financial holding company. The bank offers a diverse range of commercial and retail banking services through its banking centers located in Bellevue, Clyde, Curtice, Fremont, Green Springs, Monroeville, Norwalk, Maumee, Milan, Oak Harbor, Oregon, Port Clinton, and Tiffin, Ohio. Its products are comprised of traditional banking services such as consumer, commercial, agricultural and real estate loans, personal and business checking accounts, savings accounts, time deposit accounts, safe deposit box services, and trust department services. The company operates in one industry segment, the commercial banking industry.
57GF Score
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