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Tri City BanksharesTRCY -0.52%57 Return-on-Tangible-Equity is 7.92% as of Dec. 2025, which is 2% below its 10-year median of 8.12. GuruFocus rates TRCY with a GF Score™ of 57/100 and a GF Value™ of $15.44 (Modestly Overvalued). Among 1,526 Banks companies, Tri City Bankshares ranks worse than 69.13% 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. Tri City Bankshares's annualized net income for the quarter that ended in Dec. 2025 was $14.65 Mil. Tri City Bankshares's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $184.91 Mil. Therefore, Tri City Bankshares's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 7.92%.
The historical rank and industry rank for Tri City Bankshares's Return-on-Tangible-Equity or its related term are showing as below:
TRCY'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 6.19 Med: 8.12 Max: 12.51
Current: 7.92
During the past 13 years, Tri City Bankshares's highest Return-on-Tangible-Equity was 12.51%. The lowest was 6.19%. And the median was 8.12%.
TRCY's Return-on-Tangible-Equity is ranked worse than 69.13% of 1526
companies
in the Banks industry
Industry Median: 11.205
vs TRCY: 7.92
Tri City Bankshares (OTCPK:TRCY) 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.
Tri City Bankshares Return-on-Tangible-Equity Related Terms
Tri City Bankshares Return-on-Tangible-Equity Historical Data
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The historical data trend for Tri City Bankshares'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.
Tri City Bankshares Return-on-Tangible-Equity Chart
TRCY vs UBAB, SBKO, ECBK: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Tri City Bankshares'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.
Tri City Bankshares Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Tri City Bankshares's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Tri City Bankshares'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 7.92% mean?
Tri City Bankshares (TRCY) has a Return-on-Tangible-Equity of 7.92% 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 Tri City Bankshares and its competitors. This is near median its historical median of 8.12. Over the past decade, Tri City Bankshares' Return-on-Tangible-Equity has ranged from 6.19 to 12.51. According to the industry distribution chart, Tri City Bankshares ranks #1055 out of 1526 companies in the Banks industry, placing it in the top 69.1%.
Is Tri City Bankshares' Return-on-Tangible-Equity too high?
Tri City Bankshares' current Return-on-Tangible-Equity of 7.92% is near median its 10-year median of 8.12. Over the past 10 years, this metric has ranged from a low of 6.19 to a high of 12.51. The Banks industry median Return-on-Tangible-Equity is 11.21. Tri City Bankshares' value of 7.92% is 29.3% below this industry median. Based on the distribution chart, Tri City Bankshares ranks #1055 out of 1526 companies in the Banks industry, which is below the industry midpoint. Overall, Tri City Bankshares has a GF Score™ of 57/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tri City Bankshares' Return-on-Tangible-Equity compare to UBAB and SBKO?
According to the Banks industry distribution chart, Tri City Bankshares ranks #1055 out of 1526 companies for Return-on-Tangible-Equity. This places Tri City Bankshares in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.21. Tri City Bankshares' value of 7.92% is 29.3% below this benchmark. Historically, Tri City Bankshares' own Return-on-Tangible-Equity has ranged from 6.19 to 12.51 over the past decade. While the company's 10-year median is 8.12 vs. the industry median of 11.21, Tri City Bankshares 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 11.21, based on 1,526 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. Tri City Bankshares's current Return-on-Tangible-Equity of 7.92% is 29.3% 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 Tri City Bankshares and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tri City Bankshares's current Return-on-Tangible-Equity is 7.92%, which is near median its own 10-year median of 8.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tri City Bankshares stock overvalued right now?
Based on GuruFocus' analysis, Tri City Bankshares (TRCY) is currently considered Modestly Overvalued. The stock's GF Value™ is $15.44, compared to a current price of $19.00 — trading 23.1% above its estimated fair value. The current Return-on-Tangible-Equity is 7.92%, which is near median its 10-year median of 8.12 and 29.3% below the Banks industry median of 11.21. Tri City Bankshares' overall GF Score™ is 57/100. 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 Tri City Bankshares (TRCY), the current Return-on-Tangible-Equity is 7.92% 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 Tri City Bankshares (TRCY) Overvalued in 2026?
Based on GuruFocus' analysis, Tri City Bankshares stock appears to be overvalued.
The current stock price of $19.00 is trading 23.1% above its estimated GF Value™ of $15.44.
GuruFocus considers Tri City Bankshares to be Modestly Overvalued.
Key valuation signals for TRCY:
Return-on-Tangible-Equity: 7.92% (near median its 10-year median of 8.12)
GF Value™: $15.44 vs. price of $19.00 (23.1% above fair value)
Industry Position: 29.3% below the Banks median (#1055 of 1526)
No single metric tells the full story. See the TRCY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Tri City Bankshares Corp is a bank holding company. It provides consumer and commercial banking services to individuals and businesses. The services provided by the bank are loan facilities, credit card facilities, reverse mortgages, online banking services, business cards, savings facilities, and other services. It has one reportable segment, community banking.
57GF Score
Get the complete analysis for TRCY
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