Mauch Chunk Trust FinancialMCHT 45 Return-on-Tangible-Equity is Negative Tangible Equity% as of Dec. 2025. GuruFocus rates MCHT with a GF Score™ of 45/100 and a GF Value™ of $6.75 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,522 Banks companies, Mauch Chunk Trust Financial ranks better than 99.93% 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. Mauch Chunk Trust Financial's annualized net income for the quarter that ended in Dec. 2025 was $1.28 Mil. Mauch Chunk Trust Financial's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $-2.49 Mil. Therefore, Mauch Chunk Trust Financial's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was Negative Tangible Equity%.
The historical rank and industry rank for Mauch Chunk Trust Financial's Return-on-Tangible-Equity or its related term are showing as below:
MCHT'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 5.91 Med: 8.44 Max: 28.39
Current: Negative Tangible Equity
During the past 7 years, Mauch Chunk Trust Financial's highest Return-on-Tangible-Equity was 28.39%. The lowest was 5.91%. And the median was 8.44%.
MCHT's Return-on-Tangible-Equity is ranked better than 99.93% of 1522
companies
in the Banks industry
Industry Median: 11.19
vs MCHT: Negative Tangible Equity
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.
Mauch Chunk Trust Financial Return-on-Tangible-Equity Related Terms
Mauch Chunk Trust Financial Return-on-Tangible-Equity Historical Data
* 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.
MCHT vs CNAF, UNIF, SNNF: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Mauch Chunk Trust 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.
Mauch Chunk Trust Financial Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Mauch Chunk Trust Financial's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Mauch Chunk Trust 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 Negative Tangible Equity% mean?
Mauch Chunk Trust Financial (MCHT) has a Return-on-Tangible-Equity of Negative Tangible Equity% 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 Mauch Chunk Trust Financial and its competitors. Over the past decade, Mauch Chunk Trust Financial's Return-on-Tangible-Equity has ranged from 5.91 to 28.39. According to the industry distribution chart, Mauch Chunk Trust Financial ranks #1 out of 1522 companies in the Banks industry, placing it in the top 0.099999999999994%.
Is Mauch Chunk Trust Financial's Return-on-Tangible-Equity too high?
Mauch Chunk Trust Financial's current Return-on-Tangible-Equity is Negative Tangible Equity%. Over the past 10 years, this metric has ranged from a low of 5.91 to a high of 28.39. Based on the distribution chart, Mauch Chunk Trust Financial ranks #1 out of 1522 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Mauch Chunk Trust Financial has a GF Score™ of 45/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Mauch Chunk Trust Financial's Return-on-Tangible-Equity compare to CNAF and UNIF?
According to the Banks industry distribution chart, Mauch Chunk Trust Financial ranks #1 out of 1522 companies for Return-on-Tangible-Equity. This places Mauch Chunk Trust Financial in the top 0% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.19. Historically, Mauch Chunk Trust Financial's own Return-on-Tangible-Equity has ranged from 5.91 to 28.39 over the past decade. 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 1,522 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. 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 Mauch Chunk Trust Financial 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. Mauch Chunk Trust Financial's current Return-on-Tangible-Equity is Negative Tangible Equity%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mauch Chunk Trust Financial stock overvalued right now?
Based on GuruFocus' analysis, Mauch Chunk Trust Financial (MCHT) is currently considered Fairly Valued. The stock's GF Value™ is $6.75, compared to a current price of $6.70 — trading 0.7% below its estimated fair value. The current Return-on-Tangible-Equity is Negative Tangible Equity%. Mauch Chunk Trust Financial's overall GF Score™ is 45/100 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 Mauch Chunk Trust Financial (MCHT), the current Return-on-Tangible-Equity is Negative Tangible Equity% 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 Mauch Chunk Trust Financial (MCHT) Overvalued in 2026?
Based on GuruFocus' analysis, Mauch Chunk Trust Financial stock appears to be undervalued.
The current stock price of $6.70 is trading 0.7% below its estimated GF Value™ of $6.75.
GuruFocus considers Mauch Chunk Trust Financial to be Fairly Valued.
No single metric tells the full story. See the MCHT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mauch Chunk Trust Financial Corp is a bank holding company. Through its banking subsidiary, it provides full banking services, including trust services. The Group's various financial products and service offerings include personal loans, credit cards, savings accounts, checking accounts, wealth management solutions, home equity loans, trust services, business savings accounts, small business loans, municipal leasing, and commercial letters of credit, among others. These services are offered to both individuals and business clients through a network of branch offices located across Jim Thorpe, Albrightsville, Nesquehoning, Lehighton, Hometown, and West Penn, USA.
45GF Score
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