Jbt BancorpJBTC 65 Return-on-Tangible-Equity is 13.81% as of Mar. 2026, which is 39% above its 10-year median of 9.97. GuruFocus rates JBTC with a GF Score™ of 65/100 and a GF Value™ of $32.37 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,526 Banks companies, Jbt Bancorp ranks better than 61.99% 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. Jbt Bancorp's annualized net income for the quarter that ended in Mar. 2026 was $12.63 Mil. Jbt Bancorp's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $91.46 Mil. Therefore, Jbt Bancorp's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 13.81%.
The historical rank and industry rank for Jbt Bancorp's Return-on-Tangible-Equity or its related term are showing as below:
JBTC'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 8.44 Med: 9.97 Max: 13.1
Current: 13.1
During the past 7 years, Jbt Bancorp's highest Return-on-Tangible-Equity was 13.10%. The lowest was 8.44%. And the median was 9.97%.
JBTC's Return-on-Tangible-Equity is ranked better than 61.99% of 1526
companies
in the Banks industry
Industry Median: 11.195
vs JBTC: 13.10
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.
Jbt Bancorp Return-on-Tangible-Equity Related Terms
Jbt Bancorp Return-on-Tangible-Equity Historical Data
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The historical data trend for Jbt 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.
JBTC vs SEBC, UBCP, PBKC: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Jbt 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.
Jbt Bancorp Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Jbt Bancorp's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Jbt 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 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 13.81% mean?
Jbt Bancorp (JBTC) has a Return-on-Tangible-Equity of 13.81% 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 Jbt Bancorp and its competitors. This is 39% above median its historical median of 9.97. Over the past decade, Jbt Bancorp's Return-on-Tangible-Equity has ranged from 8.44 to 13.10. According to the industry distribution chart, Jbt Bancorp ranks #580 out of 1526 companies in the Banks industry, placing it in the top 38%.
Is Jbt Bancorp's Return-on-Tangible-Equity too high?
Jbt Bancorp's current Return-on-Tangible-Equity of 13.81% is 39% above median its 10-year median of 9.97. Over the past 10 years, this metric has ranged from a low of 8.44 to a high of 13.10. The Banks industry median Return-on-Tangible-Equity is 11.20. Jbt Bancorp's value of 13.81% is 23.4% above this industry median. Based on the distribution chart, Jbt Bancorp ranks #580 out of 1526 companies in the Banks industry, which is above the industry midpoint. Overall, Jbt Bancorp has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Jbt Bancorp's Return-on-Tangible-Equity compare to SEBC and UBCP?
According to the Banks industry distribution chart, Jbt Bancorp ranks #580 out of 1526 companies for Return-on-Tangible-Equity. This puts Jbt Bancorp in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.20. Jbt Bancorp's value of 13.81% is 23.4% above this benchmark. Historically, Jbt Bancorp's own Return-on-Tangible-Equity has ranged from 8.44 to 13.10 over the past decade. While the company's 10-year median is 9.97 vs. the industry median of 11.20, Jbt 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 1,526 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. Jbt Bancorp's current Return-on-Tangible-Equity of 13.81% is 23.4% 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 Jbt 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. Jbt Bancorp's current Return-on-Tangible-Equity is 13.81%, which is 39% above median its own 10-year median of 9.97. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jbt Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Jbt Bancorp (JBTC) is currently considered Modestly Overvalued. The stock's GF Value™ is $32.37, compared to a current price of $37.55 — trading 16% above its estimated fair value. The current Return-on-Tangible-Equity is 13.81%, which is 39% above median its 10-year median of 9.97 and 23.4% above the Banks industry median of 11.20. Jbt Bancorp's overall GF Score™ is 65/100 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 Jbt Bancorp (JBTC), the current Return-on-Tangible-Equity is 13.81% 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 Jbt Bancorp (JBTC) Overvalued in 2026?
Based on GuruFocus' analysis, Jbt Bancorp stock appears to be overvalued.
The current stock price of $37.55 is trading 16% above its estimated GF Value™ of $32.37.
GuruFocus considers Jbt Bancorp to be Modestly Overvalued.
Key valuation signals for JBTC:
Return-on-Tangible-Equity: 13.81% (39% above median its 10-year median of 9.97)
GF Value™: $32.37 vs. price of $37.55 (16% above fair value)
Industry Position: 23.4% above the Banks median (#580 of 1526)
No single metric tells the full story. See the JBTC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Jbt Bancorp Inc operates under a state bank charter and provides full banking services, including trust services. The company's deposit products are checking, savings, and term certificate accounts, and its lending products are residential mortgage, commercial, and installment loans. Substantially all loans are secured by specific items of collateral, including business assets, consumer assets, and commercial and residential real estate. Commercial loans are expected to be repaid from the cash flow from the operations of businesses. It offers personal banking, business banking, and digital and mobile banking. Further, it is also involved in investment, trust, and retirement-related activities. It operates in the Community Banking Segment.
65GF Score
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