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Keweenaw FinancialKEFI 40 Return-on-Tangible-Equity is 13.07% as of Dec. 2025, which is at its 10-year median of 13.07. GuruFocus rates KEFI with a GF Score™ of 40/100 and a GF Value™ of $95.45 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,518 Banks companies, Keweenaw Financial ranks better than 60.28% 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. Keweenaw Financial's annualized net income for the quarter that ended in Dec. 2025 was $9.56 Mil. Keweenaw Financial's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $73.10 Mil. Therefore, Keweenaw Financial's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 13.07%.
The historical rank and industry rank for Keweenaw Financial's Return-on-Tangible-Equity or its related term are showing as below:
KEFI'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 11.22 Med: 13.07 Max: 17.05
Current: 13.07
During the past 5 years, Keweenaw Financial's highest Return-on-Tangible-Equity was 17.05%. The lowest was 11.22%. And the median was 13.07%.
KEFI's Return-on-Tangible-Equity is ranked better than 60.28% of 1518
companies
in the Banks industry
Industry Median: 11.475
vs KEFI: 13.07
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.
Keweenaw Financial Return-on-Tangible-Equity Related Terms
Keweenaw Financial Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Keweenaw Financial'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.
KEFI vs OSBK, FFWC, NEFB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Keweenaw 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.
Keweenaw Financial Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Keweenaw Financial's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Keweenaw 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 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 13.07% mean?
Keweenaw Financial (KEFI) has a Return-on-Tangible-Equity of 13.07% 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 Keweenaw Financial and its competitors. This is near median its historical median of 13.07. Over the past decade, Keweenaw Financial's Return-on-Tangible-Equity has ranged from 11.22 to 17.05. According to the industry distribution chart, Keweenaw Financial ranks #603 out of 1518 companies in the Banks industry, placing it in the top 39.7%.
Is Keweenaw Financial's Return-on-Tangible-Equity too high?
Keweenaw Financial's current Return-on-Tangible-Equity of 13.07% is near median its 10-year median of 13.07. Over the past 10 years, this metric has ranged from a low of 11.22 to a high of 17.05. The Banks industry median Return-on-Tangible-Equity is 11.48. Keweenaw Financial's value of 13.07% is 13.9% above this industry median. Based on the distribution chart, Keweenaw Financial ranks #603 out of 1518 companies in the Banks industry, which is above the industry midpoint. Overall, Keweenaw Financial has a GF Score™ of 40/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Keweenaw Financial's Return-on-Tangible-Equity compare to OSBK and FFWC?
According to the Banks industry distribution chart, Keweenaw Financial ranks #603 out of 1518 companies for Return-on-Tangible-Equity. This puts Keweenaw Financial in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.48. Keweenaw Financial's value of 13.07% is 13.9% above this benchmark. Historically, Keweenaw Financial's own Return-on-Tangible-Equity has ranged from 11.22 to 17.05 over the past decade. While the company's 10-year median is 13.07 vs. the industry median of 11.48, Keweenaw Financial 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 11.48, based on 1,518 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. Keweenaw Financial's current Return-on-Tangible-Equity of 13.07% is 13.9% 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 Keweenaw Financial and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.48 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Keweenaw Financial's current Return-on-Tangible-Equity is 13.07%, which is near median its own 10-year median of 13.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Keweenaw Financial stock overvalued right now?
Based on GuruFocus' analysis, Keweenaw Financial (KEFI) is currently considered Significantly Undervalued. The stock's GF Value™ is $95.45, compared to a current price of $48.00 — trading 49.7% below its estimated fair value. The current Return-on-Tangible-Equity is 13.07%, which is near median its 10-year median of 13.07 and 13.9% above the Banks industry median of 11.48. Keweenaw Financial's overall GF Score™ is 40/100 with 1 warning sign 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 Keweenaw Financial (KEFI), the current Return-on-Tangible-Equity is 13.07% 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 Keweenaw Financial (KEFI) Overvalued in 2026?
Based on GuruFocus' analysis, Keweenaw Financial stock appears to be undervalued.
The current stock price of $48.00 is trading 49.7% below its estimated GF Value™ of $95.45.
GuruFocus considers Keweenaw Financial to be Significantly Undervalued.
Key valuation signals for KEFI:
Return-on-Tangible-Equity: 13.07% (near median its 10-year median of 13.07)
GF Value™: $95.45 vs. price of $48.00 (49.7% below fair value)
Industry Position: 13.9% above the Banks median (#603 of 1518)
No single metric tells the full story. See the KEFI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Keweenaw Financial Corp provides a range of financial and trust services to individual and corporate customers. The Bank offers traditional banking products and services, including ATMs, online and telephone banking, and automated bill payment, along with commercial, real estate, and consumer lending. Its offerings also include various loan products, deposit accounts, online and mobile banking, investment management, retirement planning, credit and debit cards, safe deposit boxes, and other related financial services.
40GF Score
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