Ledyard Financial GroupLFGP -0.08%62 Return-on-Tangible-Equity is 9.54% as of Mar. 2026, which is 8% below its 10-year median of 10.42. GuruFocus rates LFGP with a GF Score™ of 62/100 and a GF Value™ of $20.44 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 1,523 Banks companies, Ledyard Financial Group ranks worse than 54.17% 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. Ledyard Financial Group's annualized net income for the quarter that ended in Mar. 2026 was $6.01 Mil. Ledyard Financial Group's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $62.98 Mil. Therefore, Ledyard Financial Group's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 9.54%.
The historical rank and industry rank for Ledyard Financial Group's Return-on-Tangible-Equity or its related term are showing as below:
LFGP'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 5.81 Med: 10.42 Max: 11.13
Current: 10.58
During the past 13 years, Ledyard Financial Group's highest Return-on-Tangible-Equity was 11.13%. The lowest was 5.81%. And the median was 10.42%.
LFGP's Return-on-Tangible-Equity is ranked worse than 54.17% of 1523
companies
in the Banks industry
Industry Median: 11.19
vs LFGP: 10.58
Ledyard Financial Group (OTCPK:LFGP) 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.
Ledyard Financial Group Return-on-Tangible-Equity Related Terms
Ledyard Financial Group Return-on-Tangible-Equity Historical Data
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The historical data trend for Ledyard Financial Group'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.
Ledyard Financial Group Return-on-Tangible-Equity Chart
LFGP vs CBAF, CEFC, FMFG: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Ledyard Financial Group'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.
Ledyard Financial Group Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Ledyard Financial Group's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Ledyard Financial Group'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 9.54% mean?
Ledyard Financial Group (LFGP) has a Return-on-Tangible-Equity of 9.54% 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 Ledyard Financial Group and its competitors. This is near median its historical median of 10.42. Over the past decade, Ledyard Financial Group's Return-on-Tangible-Equity has ranged from 5.81 to 11.13. According to the industry distribution chart, Ledyard Financial Group ranks #825 out of 1523 companies in the Banks industry, placing it in the top 54.2%.
Is Ledyard Financial Group's Return-on-Tangible-Equity too high?
Ledyard Financial Group's current Return-on-Tangible-Equity of 9.54% is near median its 10-year median of 10.42. Over the past 10 years, this metric has ranged from a low of 5.81 to a high of 11.13. The Banks industry median Return-on-Tangible-Equity is 11.19. Ledyard Financial Group's value of 9.54% is 14.7% below this industry median. Based on the distribution chart, Ledyard Financial Group ranks #825 out of 1523 companies in the Banks industry, which is below the industry midpoint. Overall, Ledyard Financial Group has a GF Score™ of 62/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Ledyard Financial Group's Return-on-Tangible-Equity compare to CBAF and CEFC?
According to the Banks industry distribution chart, Ledyard Financial Group ranks #825 out of 1523 companies for Return-on-Tangible-Equity. This places Ledyard Financial Group in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.19. Ledyard Financial Group's value of 9.54% is 14.7% below this benchmark. Historically, Ledyard Financial Group's own Return-on-Tangible-Equity has ranged from 5.81 to 11.13 over the past decade. While the company's 10-year median is 10.42 vs. the industry median of 11.19, Ledyard Financial Group 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 11.19, 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. Ledyard Financial Group's current Return-on-Tangible-Equity of 9.54% is 14.7% 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 Ledyard Financial Group and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ledyard Financial Group's current Return-on-Tangible-Equity is 9.54%, which is near median its own 10-year median of 10.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ledyard Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Ledyard Financial Group (LFGP) is currently considered Modestly Undervalued. The stock's GF Value™ is $20.44, compared to a current price of $17.99 — trading 12% below its estimated fair value. The current Return-on-Tangible-Equity is 9.54%, which is near median its 10-year median of 10.42 and 14.7% below the Banks industry median of 11.19. Ledyard Financial Group's overall GF Score™ is 62/100 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 Ledyard Financial Group (LFGP), the current Return-on-Tangible-Equity is 9.54% 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 Ledyard Financial Group (LFGP) Overvalued in 2026?
Based on GuruFocus' analysis, Ledyard Financial Group stock appears to be undervalued.
The current stock price of $17.99 is trading 12% below its estimated GF Value™ of $20.44.
GuruFocus considers Ledyard Financial Group to be Modestly Undervalued.
Key valuation signals for LFGP:
Return-on-Tangible-Equity: 9.54% (near median its 10-year median of 10.42)
GF Value™: $20.44 vs. price of $17.99 (12% below fair value)
Industry Position: 14.7% below the Banks median (#825 of 1523)
No single metric tells the full story. See the LFGP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ledyard Financial Group Inc is a bank holding company. Through its banking subsidiary, it provides retail and commercial banking and wealth advisory services through office locations in New Hampshire and Vermont. The Group operates in two segments: Banking and Wealth Advisory Services. Maximum revenue is generated from the Banking segment, which principally consists of lending to commercial and consumer customers, as well as deposit gathering activities. Wealth Advisory Services segment includes, as its principal business lines, financial planning services, investment management services, personal tax services, trustee services, and estate planning.
62GF Score
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