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Farmers Bank of AppomattoxFBPA +2.68%67 Return-on-Tangible-Equity is 11.94% as of Jun. 2026, which is 40% above its 10-year median of 8.55. GuruFocus rates FBPA with a GF Score™ of 67/100 and a GF Value™ of $34.73 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,521 Banks companies, Farmers Bank of Appomattox ranks worse than 60.36% 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. Farmers Bank of Appomattox's annualized net income for the quarter that ended in Jun. 2026 was $4.69 Mil. Farmers Bank of Appomattox's average shareholder tangible equity for the quarter that ended in Jun. 2026 was $39.27 Mil. Therefore, Farmers Bank of Appomattox's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2026 was 11.94%.
The historical rank and industry rank for Farmers Bank of Appomattox's Return-on-Tangible-Equity or its related term are showing as below:
FBPA'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 7.5 Med: 8.55 Max: 9.78
Current: 9.51
During the past 13 years, Farmers Bank of Appomattox's highest Return-on-Tangible-Equity was 9.78%. The lowest was 7.50%. And the median was 8.55%.
FBPA's Return-on-Tangible-Equity is ranked worse than 60.36% of 1521
companies
in the Banks industry
Industry Median: 11.38
vs FBPA: 9.51
Farmers Bank of Appomattox (OTCPK:FBPA) 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.
Farmers Bank of Appomattox Return-on-Tangible-Equity Related Terms
Farmers Bank of Appomattox Return-on-Tangible-Equity Historical Data
* 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.
Farmers Bank of Appomattox Return-on-Tangible-Equity Chart
FBPA vs RBNK, CNBZ, PWBK: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Farmers Bank of Appomattox'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.
Farmers Bank of Appomattox Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Farmers Bank of Appomattox's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Farmers Bank of Appomattox'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 11.94% mean?
Farmers Bank of Appomattox (FBPA) has a Return-on-Tangible-Equity of 11.94% 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 Farmers Bank of Appomattox and its competitors. This is 40% above median its historical median of 8.55. Over the past decade, Farmers Bank of Appomattox's Return-on-Tangible-Equity has ranged from 7.50 to 9.78. According to the industry distribution chart, Farmers Bank of Appomattox ranks #918 out of 1521 companies in the Banks industry, placing it in the top 60.4%.
Is Farmers Bank of Appomattox's Return-on-Tangible-Equity too high?
Farmers Bank of Appomattox's current Return-on-Tangible-Equity of 11.94% is 40% above median its 10-year median of 8.55. Over the past 10 years, this metric has ranged from a low of 7.50 to a high of 9.78. The Banks industry median Return-on-Tangible-Equity is 11.38. Farmers Bank of Appomattox's value of 11.94% is 4.9% above this industry median. Based on the distribution chart, Farmers Bank of Appomattox ranks #918 out of 1521 companies in the Banks industry, which is below the industry midpoint. Overall, Farmers Bank of Appomattox has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Farmers Bank of Appomattox's Return-on-Tangible-Equity compare to RBNK and CNBZ?
According to the Banks industry distribution chart, Farmers Bank of Appomattox ranks #918 out of 1521 companies for Return-on-Tangible-Equity. This places Farmers Bank of Appomattox in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.38. Farmers Bank of Appomattox's value of 11.94% is 4.9% above this benchmark. Historically, Farmers Bank of Appomattox's own Return-on-Tangible-Equity has ranged from 7.50 to 9.78 over the past decade. While the company's 10-year median is 8.55 vs. the industry median of 11.38, Farmers Bank of Appomattox 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 1,521 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. Farmers Bank of Appomattox's current Return-on-Tangible-Equity of 11.94% is 4.9% 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 Farmers Bank of Appomattox 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. Farmers Bank of Appomattox's current Return-on-Tangible-Equity is 11.94%, which is 40% above median its own 10-year median of 8.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Farmers Bank of Appomattox stock overvalued right now?
Based on GuruFocus' analysis, Farmers Bank of Appomattox (FBPA) is currently considered Fairly Valued. The stock's GF Value™ is $34.73, compared to a current price of $32.60 — trading 6.1% below its estimated fair value. The current Return-on-Tangible-Equity is 11.94%, which is 40% above median its 10-year median of 8.55 and 4.9% above the Banks industry median of 11.38. Farmers Bank of Appomattox's overall GF Score™ is 67/100 with 5 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 Farmers Bank of Appomattox (FBPA), the current Return-on-Tangible-Equity is 11.94% 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 Farmers Bank of Appomattox (FBPA) Overvalued in 2026?
Based on GuruFocus' analysis, Farmers Bank of Appomattox stock appears to be undervalued.
The current stock price of $32.60 is trading 6.1% below its estimated GF Value™ of $34.73.
GuruFocus considers Farmers Bank of Appomattox to be Fairly Valued.
Key valuation signals for FBPA:
Return-on-Tangible-Equity: 11.94% (40% above median its 10-year median of 8.55)
GF Value™: $34.73 vs. price of $32.60 (6.1% below fair value)
Industry Position: 4.9% above the Banks median (#918 of 1521)
No single metric tells the full story. See the FBPA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Farmers Bank of Appomattox provides banking services. The company is engaged in personal and business banking services, including checking & savings, certificate of deposit, loans/mortgages, commercial checking, and commercial loans.
67GF Score
Get the complete analysis for FBPA
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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