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. Morris State Bancshares's annualized net income for the quarter that ended in Dec. 2025 was $38.30 Mil. Morris State Bancshares's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $199.54 Mil. Therefore, Morris State Bancshares's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 19.20%.
The historical rank and industry rank for Morris State Bancshares's Return-on-Tangible-Equity or its related term are showing as below:
MBLU'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 12.06 Med: 14.9 Max: 19.12
Current: 13.74
During the past 9 years, Morris State Bancshares's highest Return-on-Tangible-Equity was 19.12%. The lowest was 12.06%. And the median was 14.90%.
MBLU's Return-on-Tangible-Equity is not ranked
in the Banks industry.
Industry Median: 11.19
vs MBLU: 13.74
Morris State Bancshares (OTCPK:MBLU) 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.
Morris State Bancshares Return-on-Tangible-Equity Related Terms
Morris State Bancshares Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Morris State Bancshares'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.
Morris State Bancshares Return-on-Tangible-Equity Chart
MBLU vs MSBC, FVCB, FCCO: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Morris State Bancshares'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.
Morris State Bancshares Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Morris State Bancshares's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Morris State Bancshares'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 (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 19.20% mean?
Morris State Bancshares (MBLU) has a Return-on-Tangible-Equity of 19.20% 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 Morris State Bancshares and its competitors. This is 29% above median its historical median of 14.90. Over the past decade, Morris State Bancshares' Return-on-Tangible-Equity has ranged from 12.06 to 19.12.
Is Morris State Bancshares' Return-on-Tangible-Equity too high?
Morris State Bancshares' current Return-on-Tangible-Equity of 19.20% is 29% above median its 10-year median of 14.90. Over the past 10 years, this metric has ranged from a low of 12.06 to a high of 19.12. The Banks industry median Return-on-Tangible-Equity is 11.19. Morris State Bancshares' value of 19.20% is 71.6% above this industry median. Overall, Morris State Bancshares has a GF Scoreâ„¢ of 49/100, reflecting its overall financial health beyond just this single metric.
How does Morris State Bancshares' Return-on-Tangible-Equity compare to MSBC and FVCB?
Morris State Bancshares' Return-on-Tangible-Equity of 19.20% can be compared against companies in the Banks industry. The industry median Return-on-Tangible-Equity is 11.19. Morris State Bancshares' value of 19.20% is 71.6% above this benchmark. Historically, Morris State Bancshares' own Return-on-Tangible-Equity has ranged from 12.06 to 19.12 over the past decade. While the company's 10-year median is 14.90 vs. the industry median of 11.19, Morris State Bancshares 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 11.19, based on 1,521 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. Morris State Bancshares's current Return-on-Tangible-Equity of 19.20% is 71.6% 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 Morris State Bancshares 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. Morris State Bancshares's current Return-on-Tangible-Equity is 19.20%, which is 29% above median its own 10-year median of 14.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Morris State Bancshares stock overvalued right now?
Morris State Bancshares (MBLU) has a current Return-on-Tangible-Equity of 19.20%. The stock's GF Value™ is $24.47, compared to a current price of $25.00 — trading 2.2% above its estimated fair value. The current Return-on-Tangible-Equity is 19.20%, which is 29% above median its 10-year median of 14.90 and 71.6% above the Banks industry median of 11.19. Morris State Bancshares' overall GF Score™ is 49/100 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 Morris State Bancshares (MBLU), the current Return-on-Tangible-Equity is 19.20% 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 Morris State Bancshares (MBLU) Overvalued in 2026?
Based on GuruFocus' analysis, Morris State Bancshares stock appears to be overvalued.
The current stock price of $25.00 is trading 2.2% above its estimated GF Value™ of $24.47.
Key valuation signals for MBLU:
Return-on-Tangible-Equity: 19.20% (29% above median its 10-year median of 14.90)
GF Value™: $24.47 vs. price of $25.00 (2.2% above fair value)
No single metric tells the full story. See the MBLU stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Morris State Bancshares Inc operates as a bank. It provides a variety of financial services to individuals and small businesses through its offices in middle Georgia. The Bank offers a full range of commercial and personal loan products. It makes loans to individuals for purposes such as home mortgage financing, personal vehicles and various consumer purchases, and other personal and family needs. Commercial loans are offered to businesses for purposes such as providing equipment and machinery purchases, commercial real estate purchases, and working capital. The Bank also provides a full range of deposit services that are typically available from financial institutions, including NOW accounts, demand, savings, and other time deposits.
49GF Score
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