Pontiac BancorpPONT -2.36%56 Return-on-Tangible-Equity is 15.22% as of Dec. 2025, which is 46% above its 10-year median of 10.41. GuruFocus rates PONT with a GF Score™ of 56/100 and a GF Value™ of $638.30 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,523 Banks companies, Pontiac Bancorp ranks better than 75.77% 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. Pontiac Bancorp's annualized net income for the quarter that ended in Dec. 2025 was $15.30 Mil. Pontiac Bancorp's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $100.54 Mil. Therefore, Pontiac Bancorp's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 15.22%.
The historical rank and industry rank for Pontiac Bancorp's Return-on-Tangible-Equity or its related term are showing as below:
PONT'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 7.03 Med: 10.41 Max: 15.22
Current: 15.22
During the past 7 years, Pontiac Bancorp's highest Return-on-Tangible-Equity was 15.22%. The lowest was 7.03%. And the median was 10.41%.
PONT's Return-on-Tangible-Equity is ranked better than 75.77% of 1523
companies
in the Banks industry
Industry Median: 11.19
vs PONT: 15.22
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.
Pontiac Bancorp Return-on-Tangible-Equity Related Terms
Pontiac Bancorp Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Pontiac 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.
PONT vs TYFG, ARBV, SLBK: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Pontiac 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.
Pontiac Bancorp Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Pontiac Bancorp's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Pontiac 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 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 15.22% mean?
Pontiac Bancorp (PONT) has a Return-on-Tangible-Equity of 15.22% 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 Pontiac Bancorp and its competitors. This is 46% above median its historical median of 10.41. Over the past decade, Pontiac Bancorp's Return-on-Tangible-Equity has ranged from 7.03 to 15.22. According to the industry distribution chart, Pontiac Bancorp ranks #369 out of 1523 companies in the Banks industry, placing it in the top 24.2%.
Is Pontiac Bancorp's Return-on-Tangible-Equity too high?
Pontiac Bancorp's current Return-on-Tangible-Equity of 15.22% is 46% above median its 10-year median of 10.41. Over the past 10 years, this metric has ranged from a low of 7.03 to a high of 15.22. The Banks industry median Return-on-Tangible-Equity is 11.19. Pontiac Bancorp's value of 15.22% is 36% above this industry median. Based on the distribution chart, Pontiac Bancorp ranks #369 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Pontiac Bancorp has a GF Score™ of 56/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Pontiac Bancorp's Return-on-Tangible-Equity compare to TYFG and ARBV?
According to the Banks industry distribution chart, Pontiac Bancorp ranks #369 out of 1523 companies for Return-on-Tangible-Equity. This places Pontiac Bancorp in the top 24% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.19. Pontiac Bancorp's value of 15.22% is 36% above this benchmark. Historically, Pontiac Bancorp's own Return-on-Tangible-Equity has ranged from 7.03 to 15.22 over the past decade. While the company's 10-year median is 10.41 vs. the industry median of 11.19, Pontiac 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 11.19, 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. Pontiac Bancorp's current Return-on-Tangible-Equity of 15.22% is 36% 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 Pontiac Bancorp 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. Pontiac Bancorp's current Return-on-Tangible-Equity is 15.22%, which is 46% above median its own 10-year median of 10.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pontiac Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Pontiac Bancorp (PONT) is currently considered Fairly Valued. The stock's GF Value™ is $638.30, compared to a current price of $639.31 — trading 0.2% above its estimated fair value. The current Return-on-Tangible-Equity is 15.22%, which is 46% above median its 10-year median of 10.41 and 36% above the Banks industry median of 11.19. Pontiac Bancorp's overall GF Score™ is 56/100 with 1 warning sign 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 Pontiac Bancorp (PONT), the current Return-on-Tangible-Equity is 15.22% 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 Pontiac Bancorp (PONT) Overvalued in 2026?
Based on GuruFocus' analysis, Pontiac Bancorp stock appears to be overvalued.
The current stock price of $639.31 is trading 0.2% above its estimated GF Value™ of $638.30.
GuruFocus considers Pontiac Bancorp to be Fairly Valued.
Key valuation signals for PONT:
Return-on-Tangible-Equity: 15.22% (46% above median its 10-year median of 10.41)
GF Value™: $638.30 vs. price of $639.31 (0.2% above fair value)
Industry Position: 36% above the Banks median (#369 of 1523)
No single metric tells the full story. See the PONT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pontiac Bancorp Inc is engaged in banking services. The company offers personal banking, business banking, lending, wealth management, and agriculture lending services. The bank grants agribusiness, commercial, residential, and personal loans to customers located in the bank's market area.
56GF Score
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