Fcn BancFBVI +0.17%66 Return-on-Tangible-Equity is 12.46% as of Dec. 2025, which is 6% above its 10-year median of 11.81. GuruFocus rates FBVI with a GF Score™ of 66/100 and a GF Value™ of $34.04 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,523 Banks companies, Fcn Banc ranks better than 57.45% 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. Fcn Banc's annualized net income for the quarter that ended in Dec. 2025 was $6.32 Mil. Fcn Banc's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $50.72 Mil. Therefore, Fcn Banc's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 12.46%.
The historical rank and industry rank for Fcn Banc's Return-on-Tangible-Equity or its related term are showing as below:
FBVI'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 8.96 Med: 11.81 Max: 12.54
Current: 12.46
During the past 9 years, Fcn Banc's highest Return-on-Tangible-Equity was 12.54%. The lowest was 8.96%. And the median was 11.81%.
FBVI's Return-on-Tangible-Equity is ranked better than 57.45% of 1523
companies
in the Banks industry
Industry Median: 11.19
vs FBVI: 12.46
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.
Fcn Banc Return-on-Tangible-Equity Related Terms
Fcn Banc Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Fcn Banc'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.
FBVI vs HLFN, INFT, PGNN: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Fcn Banc'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.
Fcn Banc Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Fcn Banc's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Fcn Banc'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 12.46% mean?
Fcn Banc (FBVI) has a Return-on-Tangible-Equity of 12.46% 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 Fcn Banc and its competitors. This is near median its historical median of 11.81. Over the past decade, Fcn Banc's Return-on-Tangible-Equity has ranged from 8.96 to 12.54. According to the industry distribution chart, Fcn Banc ranks #648 out of 1523 companies in the Banks industry, placing it in the top 42.5%.
Is Fcn Banc's Return-on-Tangible-Equity too high?
Fcn Banc's current Return-on-Tangible-Equity of 12.46% is near median its 10-year median of 11.81. Over the past 10 years, this metric has ranged from a low of 8.96 to a high of 12.54. The Banks industry median Return-on-Tangible-Equity is 11.19. Fcn Banc's value of 12.46% is 11.3% above this industry median. Based on the distribution chart, Fcn Banc ranks #648 out of 1523 companies in the Banks industry, which is above the industry midpoint. Overall, Fcn Banc has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Fcn Banc's Return-on-Tangible-Equity compare to HLFN and INFT?
According to the Banks industry distribution chart, Fcn Banc ranks #648 out of 1523 companies for Return-on-Tangible-Equity. This puts Fcn Banc in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.19. Fcn Banc's value of 12.46% is 11.3% above this benchmark. Historically, Fcn Banc's own Return-on-Tangible-Equity has ranged from 8.96 to 12.54 over the past decade. While the company's 10-year median is 11.81 vs. the industry median of 11.19, Fcn Banc 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 11.19, based on 1,523 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. Fcn Banc's current Return-on-Tangible-Equity of 12.46% is 11.3% 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 Fcn Banc 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. Fcn Banc's current Return-on-Tangible-Equity is 12.46%, which is near median its own 10-year median of 11.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fcn Banc stock overvalued right now?
Based on GuruFocus' analysis, Fcn Banc (FBVI) is currently considered Fairly Valued. The stock's GF Value™ is $34.04, compared to a current price of $35.87 — trading 5.4% above its estimated fair value. The current Return-on-Tangible-Equity is 12.46%, which is near median its 10-year median of 11.81 and 11.3% above the Banks industry median of 11.19. Fcn Banc's overall GF Score™ is 66/100 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 Fcn Banc (FBVI), the current Return-on-Tangible-Equity is 12.46% 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 Fcn Banc (FBVI) Overvalued in 2026?
Based on GuruFocus' analysis, Fcn Banc stock appears to be overvalued.
The current stock price of $35.87 is trading 5.4% above its estimated GF Value™ of $34.04.
GuruFocus considers Fcn Banc to be Fairly Valued.
Key valuation signals for FBVI:
Return-on-Tangible-Equity: 12.46% (near median its 10-year median of 11.81)
GF Value™: $34.04 vs. price of $35.87 (5.4% above fair value)
Industry Position: 11.3% above the Banks median (#648 of 1523)
No single metric tells the full story. See the FBVI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Fcn Banc Corp provides banking services. It provides personal and business banking services which consists of deposits, loans, mortgage. The Bank conducts a general banking business in southeast Indiana and southwest Ohio which consists of attracting deposits from the general public and applying those funds to the origination of loans for residential, consumer and commercial purposes.
66GF Score
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