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Cashmere Valley BankCSHX -1.11%64 Return-on-Tangible-Equity is 11.22% as of Jun. 2026, which is 11% below its 10-year median of 12.62. GuruFocus rates CSHX with a GF Score™ of 64/100 and a GF Value™ of $69.71 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,522 Banks companies, Cashmere Valley Bank ranks worse than 51.58% 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. Cashmere Valley Bank's annualized net income for the quarter that ended in Jun. 2026 was $27.47 Mil. Cashmere Valley Bank's average shareholder tangible equity for the quarter that ended in Jun. 2026 was $244.92 Mil. Therefore, Cashmere Valley Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2026 was 11.22%.
The historical rank and industry rank for Cashmere Valley Bank's Return-on-Tangible-Equity or its related term are showing as below:
CSHX'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 11.13 Med: 12.62 Max: 16.8
Current: 11.13
During the past 13 years, Cashmere Valley Bank's highest Return-on-Tangible-Equity was 16.80%. The lowest was 11.13%. And the median was 12.62%.
CSHX's Return-on-Tangible-Equity is ranked worse than 51.58% of 1522
companies
in the Banks industry
Industry Median: 11.375
vs CSHX: 11.13
Cashmere Valley Bank (OTCPK:CSHX) 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.
Cashmere Valley Bank Return-on-Tangible-Equity Related Terms
Cashmere Valley Bank Return-on-Tangible-Equity Historical Data
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The historical data trend for Cashmere Valley Bank'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.
Cashmere Valley Bank Return-on-Tangible-Equity Chart
CSHX vs COSO, VLNT, BFCC: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Cashmere Valley Bank'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.
Cashmere Valley Bank Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Cashmere Valley Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Cashmere Valley Bank'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 (Jun. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 11.22% mean?
Cashmere Valley Bank (CSHX) has a Return-on-Tangible-Equity of 11.22% as of Jun. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Cashmere Valley Bank and its competitors. This is 11% below median its historical median of 12.62. Over the past decade, Cashmere Valley Bank's Return-on-Tangible-Equity has ranged from 11.13 to 16.80. According to the industry distribution chart, Cashmere Valley Bank ranks #785 out of 1522 companies in the Banks industry, placing it in the top 51.6%.
Is Cashmere Valley Bank's Return-on-Tangible-Equity too high?
Cashmere Valley Bank's current Return-on-Tangible-Equity of 11.22% is 11% below median its 10-year median of 12.62. Over the past 10 years, this metric has ranged from a low of 11.13 to a high of 16.80. The Banks industry median Return-on-Tangible-Equity is 11.38. Cashmere Valley Bank's value of 11.22% is 1.4% below this industry median. Based on the distribution chart, Cashmere Valley Bank ranks #785 out of 1522 companies in the Banks industry, which is below the industry midpoint. Overall, Cashmere Valley Bank has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Cashmere Valley Bank's Return-on-Tangible-Equity compare to COSO and VLNT?
According to the Banks industry distribution chart, Cashmere Valley Bank ranks #785 out of 1522 companies for Return-on-Tangible-Equity. This places Cashmere Valley Bank in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.38. Cashmere Valley Bank's value of 11.22% is 1.4% below this benchmark. Historically, Cashmere Valley Bank's own Return-on-Tangible-Equity has ranged from 11.13 to 16.80 over the past decade. While the company's 10-year median is 12.62 vs. the industry median of 11.38, Cashmere Valley Bank 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 11.38, 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. Cashmere Valley Bank's current Return-on-Tangible-Equity of 11.22% is 1.4% 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 Cashmere Valley Bank 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. Cashmere Valley Bank's current Return-on-Tangible-Equity is 11.22%, which is 11% below median its own 10-year median of 12.62. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cashmere Valley Bank stock overvalued right now?
Based on GuruFocus' analysis, Cashmere Valley Bank (CSHX) is currently considered Modestly Overvalued. The stock's GF Value™ is $69.71, compared to a current price of $89.20 — trading 28% above its estimated fair value. The current Return-on-Tangible-Equity is 11.22%, which is 11% below median its 10-year median of 12.62 and 1.4% below the Banks industry median of 11.38. Cashmere Valley Bank's overall GF Score™ is 64/100 with 6 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 Cashmere Valley Bank (CSHX), the current Return-on-Tangible-Equity is 11.22% as of Jun. 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 Cashmere Valley Bank (CSHX) Overvalued in 2026?
Based on GuruFocus' analysis, Cashmere Valley Bank stock appears to be overvalued.
The current stock price of $89.20 is trading 28% above its estimated GF Value™ of $69.71.
GuruFocus considers Cashmere Valley Bank to be Modestly Overvalued.
Key valuation signals for CSHX:
Return-on-Tangible-Equity: 11.22% (11% below median its 10-year median of 12.62)
GF Value™: $69.71 vs. price of $89.20 (28% above fair value)
Industry Position: 1.4% below the Banks median (#785 of 1522)
No single metric tells the full story. See the CSHX stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Cashmere Valley Bank is a state-chartered bank engaged in providing banking products and services. It mainly serves small and middle-market businesses and middle-income individuals in Washington. The company's lending and other banking activities are carried out in and around Chelan, Douglas, Kittitas, and Yakima counties and, to a lesser degree, other areas of Western Washington. It offers checking, savings, business, investment, and retirement savings, health savings, certificate of deposit, college savings accounts, loans, mortgages, electronic banking, investment and insurance services, and credit cards.
64GF Score
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