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First National of NebraskaFINN -1.05%15 Return-on-Tangible-Equity is 17.39% as of Dec. 2025, which is 22% above its 10-year median of 14.24. GuruFocus rates FINN with a GF Score™ of 15/100 and a GF Value™ of $15,644.92 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,522 Banks companies, First National of Nebraska ranks better than 83.57% 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. First National of Nebraska's annualized net income for the quarter that ended in Dec. 2025 was $533 Mil. First National of Nebraska's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $3,065 Mil. Therefore, First National of Nebraska's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 17.39%.
The historical rank and industry rank for First National of Nebraska's Return-on-Tangible-Equity or its related term are showing as below:
FINN'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 9.33 Med: 14.24 Max: 34.28
Current: 17.39
During the past 11 years, First National of Nebraska's highest Return-on-Tangible-Equity was 34.28%. The lowest was 9.33%. And the median was 14.24%.
FINN's Return-on-Tangible-Equity is ranked better than 83.57% of 1522
companies
in the Banks industry
Industry Median: 11.375
vs FINN: 17.39
First National of Nebraska (OTCPK:FINN) 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.
First National of Nebraska Return-on-Tangible-Equity Related Terms
First National of Nebraska 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.
First National of Nebraska Return-on-Tangible-Equity Chart
FINN vs TFSL, EBC, FFIN: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, First National of Nebraska'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.
First National of Nebraska Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, First National of Nebraska's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where First National of Nebraska'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 17.39% mean?
First National of Nebraska (FINN) has a Return-on-Tangible-Equity of 17.39% 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 First National of Nebraska and its competitors. This is 22% above median its historical median of 14.24. Over the past decade, First National of Nebraska's Return-on-Tangible-Equity has ranged from 9.33 to 34.28. According to the industry distribution chart, First National of Nebraska ranks #250 out of 1522 companies in the Banks industry, placing it in the top 16.4%.
Is First National of Nebraska's Return-on-Tangible-Equity too high?
First National of Nebraska's current Return-on-Tangible-Equity of 17.39% is 22% above median its 10-year median of 14.24. Over the past 10 years, this metric has ranged from a low of 9.33 to a high of 34.28. The Banks industry median Return-on-Tangible-Equity is 11.38. First National of Nebraska's value of 17.39% is 52.9% above this industry median. Based on the distribution chart, First National of Nebraska ranks #250 out of 1522 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, First National of Nebraska has a GF Score™ of 15/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First National of Nebraska's Return-on-Tangible-Equity compare to TFSL and EBC?
According to the Banks industry distribution chart, First National of Nebraska ranks #250 out of 1522 companies for Return-on-Tangible-Equity. This places First National of Nebraska in the top 16% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.38. First National of Nebraska's value of 17.39% is 52.9% above this benchmark. Historically, First National of Nebraska's own Return-on-Tangible-Equity has ranged from 9.33 to 34.28 over the past decade. While the company's 10-year median is 14.24 vs. the industry median of 11.38, First National of Nebraska 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 1,522 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. First National of Nebraska's current Return-on-Tangible-Equity of 17.39% is 52.9% 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 First National of Nebraska 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. First National of Nebraska's current Return-on-Tangible-Equity is 17.39%, which is 22% above median its own 10-year median of 14.24. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First National of Nebraska stock overvalued right now?
Based on GuruFocus' analysis, First National of Nebraska (FINN) is currently considered Modestly Overvalued. The stock's GF Value™ is $15,644.92, compared to a current price of $18,800.00 — trading 20.2% above its estimated fair value. The current Return-on-Tangible-Equity is 17.39%, which is 22% above median its 10-year median of 14.24 and 52.9% above the Banks industry median of 11.38. First National of Nebraska's overall GF Score™ is 15/100 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 First National of Nebraska (FINN), the current Return-on-Tangible-Equity is 17.39% 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 First National of Nebraska (FINN) Overvalued in 2026?
Based on GuruFocus' analysis, First National of Nebraska stock appears to be overvalued.
The current stock price of $18,800.00 is trading 20.2% above its estimated GF Value™ of $15,644.92.
GuruFocus considers First National of Nebraska to be Modestly Overvalued.
Key valuation signals for FINN:
Return-on-Tangible-Equity: 17.39% (22% above median its 10-year median of 14.24)
GF Value™: $15,644.92 vs. price of $18,800.00 (20.2% above fair value)
Industry Position: 52.9% above the Banks median (#250 of 1522)
No single metric tells the full story. See the FINN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First National of Nebraska Inc is a Nebraska-based interstate financial holding company operated by its banking subsidiary. Additionally, the Company has nonbanking subsidiaries engaged in various businesses, including technology hosting and related activities. The Bank's primary objective is to enhance the financial well-being of its customers through a customer-centric business model focused on providing financial advice and guidance and relevant financial solutions. The Bank supports its business customers with real estate, commercial, and agriculture loans as well as cash and wealth management solutions.
15GF Score
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