Great American BancorpGTPS 75 Return-on-Tangible-Equity is 13.33% as of Dec. 2025, which is 92% above its 10-year median of 6.95. GuruFocus rates GTPS with a GF Score™ of 75/100 and a GF Value™ of $64.00 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,523 Banks companies, Great American Bancorp ranks better than 63.56% 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. Great American Bancorp's annualized net income for the quarter that ended in Dec. 2025 was $3.30 Mil. Great American Bancorp's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $24.74 Mil. Therefore, Great American Bancorp's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 13.33%.
The historical rank and industry rank for Great American Bancorp's Return-on-Tangible-Equity or its related term are showing as below:
GTPS'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 2.2 Med: 6.95 Max: 16.52
Current: 13.33
During the past 13 years, Great American Bancorp's highest Return-on-Tangible-Equity was 16.52%. The lowest was 2.20%. And the median was 6.95%.
GTPS's Return-on-Tangible-Equity is ranked better than 63.56% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs GTPS: 13.33
Great American Bancorp (OTCPK:GTPS) 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.
Great American Bancorp Return-on-Tangible-Equity Related Terms
Great American Bancorp Return-on-Tangible-Equity Historical Data
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The historical data trend for Great American Bancorp'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.
Great American Bancorp Return-on-Tangible-Equity Chart
GTPS vs MNBO, BAFN, WVFC: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Great American Bancorp'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.
Great American Bancorp Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Great American Bancorp's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Great American Bancorp'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 13.33% mean?
Great American Bancorp (GTPS) has a Return-on-Tangible-Equity of 13.33% 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 Great American Bancorp and its competitors. This is 92% above median its historical median of 6.95. Over the past decade, Great American Bancorp's Return-on-Tangible-Equity has ranged from 2.20 to 16.52. According to the industry distribution chart, Great American Bancorp ranks #555 out of 1523 companies in the Banks industry, placing it in the top 36.4%.
Is Great American Bancorp's Return-on-Tangible-Equity too high?
Great American Bancorp's current Return-on-Tangible-Equity of 13.33% is 92% above median its 10-year median of 6.95. Over the past 10 years, this metric has ranged from a low of 2.20 to a high of 16.52. The Banks industry median Return-on-Tangible-Equity is 11.20. Great American Bancorp's value of 13.33% is 19% above this industry median. Based on the distribution chart, Great American Bancorp ranks #555 out of 1523 companies in the Banks industry, which is above the industry midpoint. Overall, Great American Bancorp has a GF Score™ of 75/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Great American Bancorp's Return-on-Tangible-Equity compare to MNBO and BAFN?
According to the Banks industry distribution chart, Great American Bancorp ranks #555 out of 1523 companies for Return-on-Tangible-Equity. This puts Great American Bancorp in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.20. Great American Bancorp's value of 13.33% is 19% above this benchmark. Historically, Great American Bancorp's own Return-on-Tangible-Equity has ranged from 2.20 to 16.52 over the past decade. While the company's 10-year median is 6.95 vs. the industry median of 11.20, Great American Bancorp 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 11.20, 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. Great American Bancorp's current Return-on-Tangible-Equity of 13.33% is 19% 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 Great American Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Great American Bancorp's current Return-on-Tangible-Equity is 13.33%, which is 92% above median its own 10-year median of 6.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Great American Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Great American Bancorp (GTPS) is currently considered Modestly Overvalued. The stock's GF Value™ is $64.00, compared to a current price of $72.00 — trading 12.5% above its estimated fair value. The current Return-on-Tangible-Equity is 13.33%, which is 92% above median its 10-year median of 6.95 and 19% above the Banks industry median of 11.20. Great American Bancorp's overall GF Score™ is 75/100 with 4 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 Great American Bancorp (GTPS), the current Return-on-Tangible-Equity is 13.33% 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 Great American Bancorp (GTPS) Overvalued in 2026?
Based on GuruFocus' analysis, Great American Bancorp stock appears to be overvalued.
The current stock price of $72.00 is trading 12.5% above its estimated GF Value™ of $64.00.
GuruFocus considers Great American Bancorp to be Modestly Overvalued.
Key valuation signals for GTPS:
Return-on-Tangible-Equity: 13.33% (92% above median its 10-year median of 6.95)
GF Value™: $64.00 vs. price of $72.00 (12.5% above fair value)
Industry Position: 19% above the Banks median (#555 of 1523)
No single metric tells the full story. See the GTPS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Great American Bancorp Inc is a holding company whose principal activity is the ownership and management of its wholly-owned subsidiary, First Federal Savings Bank of Champaign-Urbana (Bank). The Bank is engaged in providing a full range of banking and financial services to individual and corporate customers in Champaign County, Illinois. The Bank also provides full-service brokerage activities through a third-party broker-dealer and engages in the sale of tax-deferred annuities. The Bank's subsidiary offers insurance services to customers located in Illinois.
75GF Score
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