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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. Marine Bancorp FLA's annualized net income for the quarter that ended in Dec. 2024 was $2.83 Mil. Marine Bancorp FLA's average shareholder tangible equity for the quarter that ended in Dec. 2024 was $37.32 Mil. Therefore, Marine Bancorp FLA's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2024 was 7.59%.
The historical rank and industry rank for Marine Bancorp FLA's Return-on-Tangible-Equity or its related term are showing as below:
MBOF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 7.09 Med: 13.16 Max: 15.37
Current: 7.59
During the past 6 years, Marine Bancorp FLA's highest Return-on-Tangible-Equity was 15.37%. The lowest was 7.09%. And the median was 13.16%.
MBOF's Return-on-Tangible-Equity is not ranked
in the Banks industry.
Industry Median: 11.375
vs MBOF: 7.59
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.
Marine Bancorp FLA Return-on-Tangible-Equity Related Terms
Marine Bancorp FLA Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Marine Bancorp FLA'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.
MBOF vs FBSI, KLIB, FSMK: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Marine Bancorp FLA'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.
Marine Bancorp FLA Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Marine Bancorp FLA's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Marine Bancorp FLA'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. 2024) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 7.59% mean?
Marine Bancorp FLA (MBOF) has a Return-on-Tangible-Equity of 7.59% as of Dec. 2024. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Marine Bancorp FLA and its competitors. This is 42% below median its historical median of 13.16. Over the past decade, Marine Bancorp FLA's Return-on-Tangible-Equity has ranged from 7.09 to 15.37.
Is Marine Bancorp FLA's Return-on-Tangible-Equity too high?
Marine Bancorp FLA's current Return-on-Tangible-Equity of 7.59% is 42% below median its 10-year median of 13.16. Over the past 10 years, this metric has ranged from a low of 7.09 to a high of 15.37. The Banks industry median Return-on-Tangible-Equity is 11.38. Marine Bancorp FLA's value of 7.59% is 33.3% below this industry median. Overall, Marine Bancorp FLA has a GF Score™ of 31/100, reflecting its overall financial health beyond just this single metric.
How does Marine Bancorp FLA's Return-on-Tangible-Equity compare to FBSI and KLIB?
Marine Bancorp FLA's Return-on-Tangible-Equity of 7.59% can be compared against companies in the Banks industry. The industry median Return-on-Tangible-Equity is 11.38. Marine Bancorp FLA's value of 7.59% is 33.3% below this benchmark. Historically, Marine Bancorp FLA's own Return-on-Tangible-Equity has ranged from 7.09 to 15.37 over the past decade. While the company's 10-year median is 13.16 vs. the industry median of 11.38, Marine Bancorp FLA 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 11.38, based on 1,520 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. Marine Bancorp FLA's current Return-on-Tangible-Equity of 7.59% is 33.3% 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 Marine Bancorp FLA and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Marine Bancorp FLA's current Return-on-Tangible-Equity is 7.59%, which is 42% below median its own 10-year median of 13.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Marine Bancorp FLA stock overvalued right now?
Marine Bancorp FLA (MBOF) has a current Return-on-Tangible-Equity of 7.59%. The stock's GF Value™ is $18.47, compared to a current price of $43.75 — trading 136.9% above its estimated fair value. The current Return-on-Tangible-Equity is 7.59%, which is 42% below median its 10-year median of 13.16 and 33.3% below the Banks industry median of 11.38. Marine Bancorp FLA's overall GF Score™ is 31/100 with 7 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 Marine Bancorp FLA (MBOF), the current Return-on-Tangible-Equity is 7.59% as of Dec. 2024. 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 Marine Bancorp FLA (MBOF) Overvalued in 2026?
Based on GuruFocus' analysis, Marine Bancorp FLA stock appears to be overvalued.
The current stock price of $43.75 is trading 136.9% above its estimated GF Value™ of $18.47.
Key valuation signals for MBOF:
Return-on-Tangible-Equity: 7.59% (42% below median its 10-year median of 13.16)
GF Value™: $18.47 vs. price of $43.75 (136.9% above fair value)
No single metric tells the full story. See the MBOF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Marine Bancorp FLA Inc, through its subsidiary, is engaged in providing banking and related services. The Bank offers a variety of community banking services to individuals and corporate customers. The company offers Checking, Loans, Debit cards, Credit cards, Commercial Loans, Merchant Services, Business savings and money markets, Mobile Banking and related services. The loan portfolio segment includes Commercial real estate, Residential real estate, Construction and land development, Commercial and Consumer.
31GF Score
Get the complete analysis for MBOF
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