Woodsboro Bk MDWOBK 57 Return-on-Tangible-Equity is 15.69% as of Dec. 2025, which is 19% above its 10-year median of 13.21. GuruFocus rates WOBK with a GF Score™ of 57/100 and a GF Value™ of $65.07 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,523 Banks companies, Woodsboro Bk MD ranks better than 77.68% 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. Woodsboro Bk MD's annualized net income for the quarter that ended in Dec. 2025 was $4.39 Mil. Woodsboro Bk MD's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $28.01 Mil. Therefore, Woodsboro Bk MD's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 15.69%.
The historical rank and industry rank for Woodsboro Bk MD's Return-on-Tangible-Equity or its related term are showing as below:
WOBK'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 5.36 Med: 13.21 Max: 19.46
Current: 15.69
During the past 7 years, Woodsboro Bk MD's highest Return-on-Tangible-Equity was 19.46%. The lowest was 5.36%. And the median was 13.21%.
WOBK's Return-on-Tangible-Equity is ranked better than 77.68% of 1523
companies
in the Banks industry
Industry Median: 11.19
vs WOBK: 15.69
Woodsboro Bk MD (OTCPK:WOBK) 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.
Woodsboro Bk MD Return-on-Tangible-Equity Related Terms
Woodsboro Bk MD Return-on-Tangible-Equity Historical Data
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The historical data trend for Woodsboro Bk MD'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.
WOBK vs FBPA, RBNK, JFWV: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Woodsboro Bk MD'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.
Woodsboro Bk MD Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Woodsboro Bk MD's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Woodsboro Bk MD'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 15.69% mean?
Woodsboro Bk MD (WOBK) has a Return-on-Tangible-Equity of 15.69% 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 Woodsboro Bk MD and its competitors. This is 19% above median its historical median of 13.21. Over the past decade, Woodsboro Bk MD's Return-on-Tangible-Equity has ranged from 5.36 to 19.46. According to the industry distribution chart, Woodsboro Bk MD ranks #340 out of 1523 companies in the Banks industry, placing it in the top 22.3%.
Is Woodsboro Bk MD's Return-on-Tangible-Equity too high?
Woodsboro Bk MD's current Return-on-Tangible-Equity of 15.69% is 19% above median its 10-year median of 13.21. Over the past 10 years, this metric has ranged from a low of 5.36 to a high of 19.46. The Banks industry median Return-on-Tangible-Equity is 11.19. Woodsboro Bk MD's value of 15.69% is 40.2% above this industry median. Based on the distribution chart, Woodsboro Bk MD ranks #340 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Woodsboro Bk MD has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Woodsboro Bk MD's Return-on-Tangible-Equity compare to FBPA and RBNK?
According to the Banks industry distribution chart, Woodsboro Bk MD ranks #340 out of 1523 companies for Return-on-Tangible-Equity. This places Woodsboro Bk MD in the top 22% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.19. Woodsboro Bk MD's value of 15.69% is 40.2% above this benchmark. Historically, Woodsboro Bk MD's own Return-on-Tangible-Equity has ranged from 5.36 to 19.46 over the past decade. While the company's 10-year median is 13.21 vs. the industry median of 11.19, Woodsboro Bk MD 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. Woodsboro Bk MD's current Return-on-Tangible-Equity of 15.69% is 40.2% 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 Woodsboro Bk MD 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. Woodsboro Bk MD's current Return-on-Tangible-Equity is 15.69%, which is 19% above median its own 10-year median of 13.21. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Woodsboro Bk MD stock overvalued right now?
Based on GuruFocus' analysis, Woodsboro Bk MD (WOBK) is currently considered Significantly Overvalued. The stock's GF Value™ is $65.07, compared to a current price of $85.00 — trading 30.6% above its estimated fair value. The current Return-on-Tangible-Equity is 15.69%, which is 19% above median its 10-year median of 13.21 and 40.2% above the Banks industry median of 11.19. Woodsboro Bk MD's overall GF Score™ is 57/100 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 Woodsboro Bk MD (WOBK), the current Return-on-Tangible-Equity is 15.69% 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 Woodsboro Bk MD (WOBK) Overvalued in 2026?
Based on GuruFocus' analysis, Woodsboro Bk MD stock appears to be overvalued.
The current stock price of $85.00 is trading 30.6% above its estimated GF Value™ of $65.07.
GuruFocus considers Woodsboro Bk MD to be Significantly Overvalued.
Key valuation signals for WOBK:
Return-on-Tangible-Equity: 15.69% (19% above median its 10-year median of 13.21)
GF Value™: $65.07 vs. price of $85.00 (30.6% above fair value)
Industry Position: 40.2% above the Banks median (#340 of 1523)
No single metric tells the full story. See the WOBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Woodsboro Bk MD provides a variety of financial services to individuals and corporate customers in its principal market area of Frederick County, Maryland through its five offices in Woodsboro, Frederick, and Thurmont, Maryland. The Bank's loans are categorized into seven segments: commercial real estate, residential real estate, multifamily real estate, real estate construction, other construction and land development, commercial and consumer loans.
57GF Score
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