West Shore BankWSSH 56 Return-on-Tangible-Equity is 12.99% as of Dec. 2025, which is 21% above its 10-year median of 10.76. GuruFocus rates WSSH with a GF Score™ of 56/100 and a GF Value™ of $34.94 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,523 Banks companies, West Shore Bank ranks better than 61.2% 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. West Shore Bank's annualized net income for the quarter that ended in Dec. 2025 was $6.25 Mil. West Shore Bank's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $48.12 Mil. Therefore, West Shore Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 12.99%.
The historical rank and industry rank for West Shore Bank's Return-on-Tangible-Equity or its related term are showing as below:
WSSH'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 8.37 Med: 10.76 Max: 12.99
Current: 12.99
During the past 7 years, West Shore Bank's highest Return-on-Tangible-Equity was 12.99%. The lowest was 8.37%. And the median was 10.76%.
WSSH's Return-on-Tangible-Equity is ranked better than 61.2% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs WSSH: 12.99
West Shore Bank (OTCPK:WSSH) 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.
West Shore Bank Return-on-Tangible-Equity Related Terms
West Shore Bank Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for West Shore Bank'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.
WSSH vs GVYB, TBBC, TCBS: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, West Shore Bank'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.
West Shore Bank Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, West Shore Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where West Shore Bank'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 12.99% mean?
West Shore Bank (WSSH) has a Return-on-Tangible-Equity of 12.99% 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 West Shore Bank and its competitors. This is 21% above median its historical median of 10.76. Over the past decade, West Shore Bank's Return-on-Tangible-Equity has ranged from 8.37 to 12.99. According to the industry distribution chart, West Shore Bank ranks #591 out of 1523 companies in the Banks industry, placing it in the top 38.8%.
Is West Shore Bank's Return-on-Tangible-Equity too high?
West Shore Bank's current Return-on-Tangible-Equity of 12.99% is 21% above median its 10-year median of 10.76. Over the past 10 years, this metric has ranged from a low of 8.37 to a high of 12.99. The Banks industry median Return-on-Tangible-Equity is 11.20. West Shore Bank's value of 12.99% is 16% above this industry median. Based on the distribution chart, West Shore Bank ranks #591 out of 1523 companies in the Banks industry, which is above the industry midpoint. Overall, West Shore Bank has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does West Shore Bank's Return-on-Tangible-Equity compare to GVYB and TBBC?
According to the Banks industry distribution chart, West Shore Bank ranks #591 out of 1523 companies for Return-on-Tangible-Equity. This puts West Shore Bank in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.20. West Shore Bank's value of 12.99% is 16% above this benchmark. Historically, West Shore Bank's own Return-on-Tangible-Equity has ranged from 8.37 to 12.99 over the past decade. While the company's 10-year median is 10.76 vs. the industry median of 11.20, West Shore Bank 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 11.20, 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. West Shore Bank's current Return-on-Tangible-Equity of 12.99% is 16% 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 West Shore Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. West Shore Bank's current Return-on-Tangible-Equity is 12.99%, which is 21% above median its own 10-year median of 10.76. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is West Shore Bank stock overvalued right now?
Based on GuruFocus' analysis, West Shore Bank (WSSH) is currently considered Modestly Overvalued. The stock's GF Value™ is $34.94, compared to a current price of $43.05 — trading 23.2% above its estimated fair value. The current Return-on-Tangible-Equity is 12.99%, which is 21% above median its 10-year median of 10.76 and 16% above the Banks industry median of 11.20. West Shore Bank's overall GF Score™ is 56/100 with 7 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 West Shore Bank (WSSH), the current Return-on-Tangible-Equity is 12.99% 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 West Shore Bank (WSSH) Overvalued in 2026?
Based on GuruFocus' analysis, West Shore Bank stock appears to be overvalued.
The current stock price of $43.05 is trading 23.2% above its estimated GF Value™ of $34.94.
GuruFocus considers West Shore Bank to be Modestly Overvalued.
Key valuation signals for WSSH:
Return-on-Tangible-Equity: 12.99% (21% above median its 10-year median of 10.76)
GF Value™: $34.94 vs. price of $43.05 (23.2% above fair value)
Industry Position: 16% above the Banks median (#591 of 1523)
No single metric tells the full story. See the WSSH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
West Shore Bank Corp is a provider of banking and financial service. The banks services include time savings, demand deposits and checking account services; commercial, consumer and mortgage loan services; treasury and cash management services; wealth management and investment services; telephone banking, Internet banking and mobile banking services; safe deposit, and automated transaction machine (ATM/ITM) services, among others.
56GF Score
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