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CIB Marine BancsharesCIBH -0.79%40 Return-on-Tangible-Equity is 2.89% as of Mar. 2026, which is 26% below its 10-year median of 3.91. GuruFocus rates CIBH with a GF Score™ of 40/100. The stock has 7 warning signs investors should review. Among 1,522 Banks companies, CIB Marine Bancshares ranks worse than 90.28% 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. CIB Marine Bancshares's annualized net income for the quarter that ended in Mar. 2026 was $2.34 Mil. CIB Marine Bancshares's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $81.22 Mil. Therefore, CIB Marine Bancshares's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 2.89%.
The historical rank and industry rank for CIB Marine Bancshares's Return-on-Tangible-Equity or its related term are showing as below:
CIBH'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -0.91 Med: 3.91 Max: 32.4
Current: 2.97
During the past 13 years, CIB Marine Bancshares's highest Return-on-Tangible-Equity was 32.40%. The lowest was -0.91%. And the median was 3.91%.
CIBH's Return-on-Tangible-Equity is ranked worse than 90.28% of 1522
companies
in the Banks industry
Industry Median: 11.41
vs CIBH: 2.97
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.
CIB Marine Bancshares Return-on-Tangible-Equity Related Terms
CIB Marine Bancshares Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for CIB Marine 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.
CIBH vs BBBK, NIDB, INFT: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, CIB Marine 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.
CIB Marine Bancshares Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, CIB Marine Bancshares's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where CIB Marine 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 2.89% mean?
CIB Marine Bancshares (CIBH) has a Return-on-Tangible-Equity of 2.89% 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 CIB Marine Bancshares and its competitors. This is 26% below median its historical median of 3.91. According to the industry distribution chart, CIB Marine Bancshares ranks #1374 out of 1522 companies in the Banks industry, placing it in the top 90.3%.
Is CIB Marine Bancshares' Return-on-Tangible-Equity too high?
CIB Marine Bancshares' current Return-on-Tangible-Equity of 2.89% is 26% below median its 10-year median of 3.91. The Banks industry median Return-on-Tangible-Equity is 11.41. CIB Marine Bancshares' value of 2.89% is 74.7% below this industry median. Based on the distribution chart, CIB Marine Bancshares ranks #1374 out of 1522 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, CIB Marine Bancshares has a GF Score™ of 40/100, reflecting its overall financial health beyond just this single metric.
How does CIB Marine Bancshares' Return-on-Tangible-Equity compare to BBBK and NIDB?
According to the Banks industry distribution chart, CIB Marine Bancshares ranks #1374 out of 1522 companies for Return-on-Tangible-Equity. This places CIB Marine Bancshares in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.41. CIB Marine Bancshares' value of 2.89% is 74.7% below this benchmark. While the company's 10-year median is 3.91 vs. the industry median of 11.41, CIB Marine Bancshares 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 11.41, 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. CIB Marine Bancshares's current Return-on-Tangible-Equity of 2.89% is 74.7% 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 CIB Marine 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. CIB Marine Bancshares's current Return-on-Tangible-Equity is 2.89%, which is 26% below median its own 10-year median of 3.91. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CIB Marine Bancshares stock overvalued right now?
CIB Marine Bancshares (CIBH) has a current Return-on-Tangible-Equity of 2.89%. The current Return-on-Tangible-Equity is 2.89%, which is 26% below median its 10-year median of 3.91 and 74.7% below the Banks industry median of 11.41. CIB Marine Bancshares' overall GF Score™ is 40/100 with 7 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 CIB Marine Bancshares (CIBH), the current Return-on-Tangible-Equity is 2.89% 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.
CIB Marine Bancshares Inc is a financial service holding company. It provides a full range of banking and related services through its banking subsidiary. The primary sources of revenue are predominantly from loans to small and middle-market business customers, investments in securities, and mortgage banking activity. The Bank also offers a range of deposits and other financial products to its customers. Its offices and, generally, customers are in the central and northeastern Illinois, Milwaukee, and Indianapolis markets.
40GF Score
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