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Northeast Indiana BancorpNIDB +1.49%62 Return-on-Tangible-Equity is 13.30% as of Jun. 2026, which is 13% above its 10-year median of 11.74. GuruFocus rates NIDB with a GF Score™ of 62/100 and a GF Value™ of $22.54 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,522 Banks companies, Northeast Indiana Bancorp ranks better than 59.92% 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. Northeast Indiana Bancorp's annualized net income for the quarter that ended in Jun. 2026 was $7.49 Mil. Northeast Indiana Bancorp's average shareholder tangible equity for the quarter that ended in Jun. 2026 was $56.33 Mil. Therefore, Northeast Indiana Bancorp's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2026 was 13.30%.
The historical rank and industry rank for Northeast Indiana Bancorp's Return-on-Tangible-Equity or its related term are showing as below:
NIDB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 9.11 Med: 11.74 Max: 15.53
Current: 12.98
During the past 13 years, Northeast Indiana Bancorp's highest Return-on-Tangible-Equity was 15.53%. The lowest was 9.11%. And the median was 11.74%.
NIDB's Return-on-Tangible-Equity is ranked better than 59.92% of 1522
companies
in the Banks industry
Industry Median: 11.375
vs NIDB: 12.98
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.
Northeast Indiana Bancorp Return-on-Tangible-Equity Related Terms
Northeast Indiana Bancorp Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Northeast Indiana Bancorp'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.
NIDB vs CIBH, MBKL, BBBK: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Northeast Indiana Bancorp'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.
Northeast Indiana Bancorp Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Northeast Indiana Bancorp's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Northeast Indiana Bancorp'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 (Jun. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 13.30% mean?
Northeast Indiana Bancorp (NIDB) has a Return-on-Tangible-Equity of 13.30% as of Jun. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Northeast Indiana Bancorp and its competitors. This is 13% above median its historical median of 11.74. Over the past decade, Northeast Indiana Bancorp's Return-on-Tangible-Equity has ranged from 9.11 to 15.53. According to the industry distribution chart, Northeast Indiana Bancorp ranks #610 out of 1522 companies in the Banks industry, placing it in the top 40.1%.
Is Northeast Indiana Bancorp's Return-on-Tangible-Equity too high?
Northeast Indiana Bancorp's current Return-on-Tangible-Equity of 13.30% is 13% above median its 10-year median of 11.74. Over the past 10 years, this metric has ranged from a low of 9.11 to a high of 15.53. The Banks industry median Return-on-Tangible-Equity is 11.38. Northeast Indiana Bancorp's value of 13.30% is 16.9% above this industry median. Based on the distribution chart, Northeast Indiana Bancorp ranks #610 out of 1522 companies in the Banks industry, which is above the industry midpoint. Overall, Northeast Indiana Bancorp has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Northeast Indiana Bancorp's Return-on-Tangible-Equity compare to CIBH and MBKL?
According to the Banks industry distribution chart, Northeast Indiana Bancorp ranks #610 out of 1522 companies for Return-on-Tangible-Equity. This puts Northeast Indiana Bancorp in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.38. Northeast Indiana Bancorp's value of 13.30% is 16.9% above this benchmark. Historically, Northeast Indiana Bancorp's own Return-on-Tangible-Equity has ranged from 9.11 to 15.53 over the past decade. While the company's 10-year median is 11.74 vs. the industry median of 11.38, Northeast Indiana Bancorp 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 11.38, 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. Northeast Indiana Bancorp's current Return-on-Tangible-Equity of 13.30% is 16.9% 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 Northeast Indiana Bancorp 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. Northeast Indiana Bancorp's current Return-on-Tangible-Equity is 13.30%, which is 13% above median its own 10-year median of 11.74. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Northeast Indiana Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Northeast Indiana Bancorp (NIDB) is currently considered Fairly Valued. The stock's GF Value™ is $22.54, compared to a current price of $24.56 — trading 9% above its estimated fair value. The current Return-on-Tangible-Equity is 13.30%, which is 13% above median its 10-year median of 11.74 and 16.9% above the Banks industry median of 11.38. Northeast Indiana Bancorp's overall GF Score™ is 62/100 with 4 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 Northeast Indiana Bancorp (NIDB), the current Return-on-Tangible-Equity is 13.30% as of Jun. 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 Northeast Indiana Bancorp (NIDB) Overvalued in 2026?
Based on GuruFocus' analysis, Northeast Indiana Bancorp stock appears to be overvalued.
The current stock price of $24.56 is trading 9% above its estimated GF Value™ of $22.54.
GuruFocus considers Northeast Indiana Bancorp to be Fairly Valued.
Key valuation signals for NIDB:
Return-on-Tangible-Equity: 13.30% (13% above median its 10-year median of 11.74)
GF Value™: $22.54 vs. price of $24.56 (9% above fair value)
Industry Position: 16.9% above the Banks median (#610 of 1522)
No single metric tells the full story. See the NIDB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Northeast Indiana Bancorp Inc is a financial services company and bank holding company that provides commercial and residential real estate loans in the United States. It operates through Residential Mortgage, Commercial Mortgage, Construction and Land Development, Commercial and Industrial, and Consumer segments. The bank offers key personal products such as checking and savings accounts, debit cards, and deposits, as well as business services including checking accounts, merchant services, and cash management.
62GF Score
Get the complete analysis for NIDB
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