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Freedom Financial HoldingsFDVA -0.42%60 Return-on-Tangible-Equity is 5.51% as of Mar. 2026, which is 4% above its 10-year median of 5.32. GuruFocus rates FDVA with a GF Score™ of 60/100 and a GF Value™ of $11.12 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,515 Banks companies, Freedom Financial Holdings ranks worse than 96.37% 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. Freedom Financial Holdings's annualized net income for the quarter that ended in Mar. 2026 was $4.64 Mil. Freedom Financial Holdings's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $84.20 Mil. Therefore, Freedom Financial Holdings's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 5.51%.
The historical rank and industry rank for Freedom Financial Holdings's Return-on-Tangible-Equity or its related term are showing as below:
FDVA'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -1.17 Med: 5.32 Max: 13.61
Current: -1.17
During the past 13 years, Freedom Financial Holdings's highest Return-on-Tangible-Equity was 13.61%. The lowest was -1.17%. And the median was 5.32%.
FDVA's Return-on-Tangible-Equity is ranked worse than 96.37% of 1515
companies
in the Banks industry
Industry Median: 11.44
vs FDVA: -1.17
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.
Freedom Financial Holdings Return-on-Tangible-Equity Related Terms
Freedom Financial Holdings 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.
FDVA vs PBKC, SOBS, AUBN: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Freedom Financial Holdings'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.
Freedom Financial Holdings Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Freedom Financial Holdings's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Freedom Financial Holdings'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 5.51% mean?
Freedom Financial Holdings (FDVA) has a Return-on-Tangible-Equity of 5.51% 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 Freedom Financial Holdings and its competitors. This is near median its historical median of 5.32. According to the industry distribution chart, Freedom Financial Holdings ranks #1460 out of 1515 companies in the Banks industry, placing it in the top 96.4%.
Is Freedom Financial Holdings' Return-on-Tangible-Equity too high?
Freedom Financial Holdings' current Return-on-Tangible-Equity of 5.51% is near median its 10-year median of 5.32. The Banks industry median Return-on-Tangible-Equity is 11.44. Freedom Financial Holdings' value of 5.51% is 51.8% below this industry median. Based on the distribution chart, Freedom Financial Holdings ranks #1460 out of 1515 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Freedom Financial Holdings has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Freedom Financial Holdings' Return-on-Tangible-Equity compare to PBKC and SOBS?
According to the Banks industry distribution chart, Freedom Financial Holdings ranks #1460 out of 1515 companies for Return-on-Tangible-Equity. This places Freedom Financial Holdings in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.44. Freedom Financial Holdings' value of 5.51% is 51.8% below this benchmark. While the company's 10-year median is 5.32 vs. the industry median of 11.44, Freedom Financial Holdings 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 11.44, based on 1,515 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. Freedom Financial Holdings's current Return-on-Tangible-Equity of 5.51% is 51.8% 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 Freedom Financial Holdings and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Freedom Financial Holdings's current Return-on-Tangible-Equity is 5.51%, which is near median its own 10-year median of 5.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Freedom Financial Holdings stock overvalued right now?
Based on GuruFocus' analysis, Freedom Financial Holdings (FDVA) is currently considered Fairly Valued. The stock's GF Value™ is $11.12, compared to a current price of $11.95 — trading 7.5% above its estimated fair value. The current Return-on-Tangible-Equity is 5.51%, which is near median its 10-year median of 5.32 and 51.8% below the Banks industry median of 11.44. Freedom Financial Holdings' overall GF Score™ is 60/100 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 Freedom Financial Holdings (FDVA), the current Return-on-Tangible-Equity is 5.51% 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 Freedom Financial Holdings (FDVA) Overvalued in 2026?
Based on GuruFocus' analysis, Freedom Financial Holdings stock appears to be overvalued.
The current stock price of $11.95 is trading 7.5% above its estimated GF Value™ of $11.12.
GuruFocus considers Freedom Financial Holdings to be Fairly Valued.
Key valuation signals for FDVA:
Return-on-Tangible-Equity: 5.51% (near median its 10-year median of 5.32)
GF Value™: $11.12 vs. price of $11.95 (7.5% above fair value)
Industry Position: 51.8% below the Banks median (#1460 of 1515)
No single metric tells the full story. See the FDVA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Freedom Financial Holdings Inc is a bank holding company. Through its banking subsidiary, it provides various banking products and services such as checking accounts, savings accounts, certificates of deposits, online and mobile banking services, different types of loans and advances, credit cards, and merchant services, among others. The company conducts its business activities through its single reportable segment: community banking. Community banking revolves around serving the community and customers where the bank has branches and offices. Community banking consists of lending, depository, and trust relationships.
60GF Score
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