Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Greenville Federal FinancialGVFF +7.94%65 Return-on-Tangible-Equity is 1.96% as of Mar. 2026, which is 2% below its 10-year median of 2.00. GuruFocus rates GVFF with a GF Score™ of 65/100 and a GF Value™ of $7.74 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,523 Banks companies, Greenville Federal Financial ranks worse than 93.7% 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. Greenville Federal Financial's annualized net income for the quarter that ended in Mar. 2026 was $0.41 Mil. Greenville Federal Financial's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $20.83 Mil. Therefore, Greenville Federal Financial's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 1.96%.
The historical rank and industry rank for Greenville Federal Financial's Return-on-Tangible-Equity or its related term are showing as below:
GVFF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -15.58 Med: 2 Max: 4.16
Current: 1.26
During the past 13 years, Greenville Federal Financial's highest Return-on-Tangible-Equity was 4.16%. The lowest was -15.58%. And the median was 2.00%.
GVFF's Return-on-Tangible-Equity is ranked worse than 93.7% of 1523
companies
in the Banks industry
Industry Median: 11.29
vs GVFF: 1.26
Greenville Federal Financial (OTCPK:GVFF) 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.
Greenville Federal Financial Return-on-Tangible-Equity Related Terms
Greenville Federal Financial 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.
Greenville Federal Financial Return-on-Tangible-Equity Chart
GVFF vs GLBZ, FNFI, ASCN: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Greenville Federal Financial'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.
Greenville Federal Financial Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Greenville Federal Financial's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Greenville Federal Financial'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 1.96% mean?
Greenville Federal Financial (GVFF) has a Return-on-Tangible-Equity of 1.96% 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 Greenville Federal Financial and its competitors. This is near median its historical median of 2.00. According to the industry distribution chart, Greenville Federal Financial ranks #1427 out of 1523 companies in the Banks industry, placing it in the top 93.7%.
Is Greenville Federal Financial's Return-on-Tangible-Equity too high?
Greenville Federal Financial's current Return-on-Tangible-Equity of 1.96% is near median its 10-year median of 2.00. The Banks industry median Return-on-Tangible-Equity is 11.29. Greenville Federal Financial's value of 1.96% is 82.6% below this industry median. Based on the distribution chart, Greenville Federal Financial ranks #1427 out of 1523 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Greenville Federal Financial has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Greenville Federal Financial's Return-on-Tangible-Equity compare to GLBZ and FNFI?
According to the Banks industry distribution chart, Greenville Federal Financial ranks #1427 out of 1523 companies for Return-on-Tangible-Equity. This places Greenville Federal Financial in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.29. Greenville Federal Financial's value of 1.96% is 82.6% below this benchmark. While the company's 10-year median is 2.00 vs. the industry median of 11.29, Greenville Federal Financial 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 11.29, 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. Greenville Federal Financial's current Return-on-Tangible-Equity of 1.96% is 82.6% 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 Greenville Federal Financial and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Greenville Federal Financial's current Return-on-Tangible-Equity is 1.96%, which is near median its own 10-year median of 2.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Greenville Federal Financial stock overvalued right now?
Based on GuruFocus' analysis, Greenville Federal Financial (GVFF) is currently considered Fairly Valued. The stock's GF Value™ is $7.74, compared to a current price of $7.34 — trading 5.2% below its estimated fair value. The current Return-on-Tangible-Equity is 1.96%, which is near median its 10-year median of 2.00 and 82.6% below the Banks industry median of 11.29. Greenville Federal Financial's overall GF Score™ is 65/100 with 2 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 Greenville Federal Financial (GVFF), the current Return-on-Tangible-Equity is 1.96% 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 Greenville Federal Financial (GVFF) Overvalued in 2026?
Based on GuruFocus' analysis, Greenville Federal Financial stock appears to be undervalued.
The current stock price of $7.34 is trading 5.2% below its estimated GF Value™ of $7.74.
GuruFocus considers Greenville Federal Financial to be Fairly Valued.
Key valuation signals for GVFF:
Return-on-Tangible-Equity: 1.96% (near median its 10-year median of 2.00)
GF Value™: $7.74 vs. price of $7.34 (5.2% below fair value)
Industry Position: 82.6% below the Banks median (#1427 of 1523)
No single metric tells the full story. See the GVFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Greenville Federal Financial Corporation is engaged in providing financial services. Its primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are residential mortgage, commercial, commercial real estate and consumer loans. It offers services through its main and branch offices in Greenville, Ohio, and branch offices in Troy, Ohio, and Tipp City, Ohio.
65GF Score
Get the complete analysis for GVFF
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
GVFF has been successfully added to your 
