STLE (Steele Bancorp) Owner Earnings per Share (TTM): (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

STLE Steele Bancorp Inc STLE
59 GF Score
Price $46.31
GF Value $43.13
Valuation Fairly Valued
! 7 Warning Signs
View Full Analysis

What is Steele Bancorp Owner Earnings per Share (TTM)?

In 1986 Berkshire Hathaway Shareholder Letter, Warren Buffett defined owner earnings as follows:

"These represent (a) reported earnings plus (b) depreciation, depletion, amortization, and certain other non-cash charges...less (c) the average annual amount of capitalized expenditures for plant and equipment, etc. that the business requires to fully maintain its long-term competitive position and its unit volume (If the business requires additional working capital to maintain its competitive position and unit volume, the increment also should be included in (c))...Our owner-earnings equation does not yield the deceptively precise figures provided by GAAP, since (c) must be a guess - and one sometimes very difficult to make. Despite this problem, we consider the owner earnings figure, not the GAAP figure, to be the relevant item for valuation purposes - both for investors in buying stocks and for managers in buying entire businesses...All of this points up the absurdity of the 'cash flow' numbers that are often set forth in Wall Street reports. These numbers routinely include (a) plus (b) - but do not subtract (c)."

Steele Bancorp does not have enough data to calculate Owner Earnings per Share (TTM), so as Price-to-Owner-Earnings ratio.


The historical rank and industry rank for Steele Bancorp's Owner Earnings per Share (TTM) or its related term are showing as below:

STLE' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.13   Med: 6.97   Max: 10.67
Current: 5.11


During the past 7 years, the highest Price-to-Owner-Earnings ratio of Steele Bancorp was 10.67. The lowest was 3.13. And the median was 6.97.


STLE's Price-to-Owner-Earnings is ranked better than
77.69% of 1031 companies
in the Banks industry
Industry Median: 10.55 vs STLE: 5.11

Steele Bancorp's Earnings per Share (Diluted) for the three months ended in Jun. 2026 was $1.54. Its Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was $9.38. It's PE Ratio (TTM) ratio for today is 4.94.

Steele Bancorp's EPS without NRI for the three months ended in Jun. 2026 was $1.54. Its EPS without NRI for the trailing twelve months (TTM) ended in Jun. 2026 was $4.77. It's PE Ratio without NRI ratio for today is 9.71.


Be Aware

Assumption: Companies usually do not report maintenance capital expenditures and growth capital expenditures separately. Here we use estimated numbers and average them over 5 years. The method to estimate maintenance capital expenditures can be found in above part 4.

Note: GuruFocus' Change In Working Capital is provided by Morningstar. It is calculated by adding the items under "Change in operating assets and liabilities" (may refer to a different name for different company) section in Cash Flow Statement from original financial report. And it includes non-current parts of assets and liabilities.


Steele Bancorp Owner Earnings per Share (TTM) Related Terms


Steele Bancorp Owner Earnings per Share (TTM) Historical Data

* Premium members only.

The historical data trend for Steele Bancorp's Owner Earnings per Share (TTM) 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.

Steele Bancorp Owner Earnings per Share (TTM) Chart

Steele Bancorp Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Owner Earnings per Share (TTM)
Get a 7-Day Free Trial 0.00 0.00 2.60 2.34 9.06

Steele Bancorp Quarterly Data
Dec19 Dec20 Dec21 Dec22 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Owner Earnings per Share (TTM) Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 9.06 0.00 0.00

STLE vs TYCB, BCBP, SLBK: Owner Earnings per Share (TTM) Comparison

For the Banks - Regional subindustry, Steele Bancorp's Price-to-Owner-Earnings, along with its competitors' market caps and Price-to-Owner-Earnings 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.


Steele Bancorp Price-to-Owner-Earnings vs Banks Industry

For the Banks industry and Financial Services sector, Steele Bancorp's Price-to-Owner-Earnings distribution charts can be found below:

* The bar in red indicates where Steele Bancorp's Price-to-Owner-Earnings falls into.


STLE
59GF Score
Steele Bancorp Inc STLE
Owner Earnings per Share (TTM) is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Steele Bancorp Owner Earnings per Share (TTM) Calculation

In 1986 Berkshire Hathaway Shareholder Letter, Warren Buffett defined owner earnings as follows:

"These represent (a) reported earnings plus (b) depreciation, depletion, amortization, and certain other non-cash charges...less (c) the average annual amount of capitalized expenditures for plant and equipment, etc. that the business requires to fully maintain its long-term competitive position and its unit volume. (If the business requires additional working capital to maintain its competitive position and unit volume, the increment also should be included in (c))...Our owner-earnings equation does not yield the deceptively precise figures provided by GAAP, since (c) must be a guess - and one sometimes very difficult to make. Despite this problem, we consider the owner earnings figure, not the GAAP figure, to be the relevant item for valuation purposes - both for investors in buying stocks and for managers in buying entire businesses...All of this points up the absurdity of the 'cash flow' numbers that are often set forth in Wall Street reports. These numbers routinely include (a) plus (b) - but do not subtract (c)."

To make it simple, then you will have:

Owner Earnings per Share (TTM) = (Net Income + Depreciation, Depletion and Amortization + Change In Deferred Tax - 5Y Average of Maintenance Capital Expenditure + Change In Working Capital) / Shares Outstanding (Diluted Average)

Steele Bancorp does not have enough data to calculate Owner Earnings per Share (TTM). Please check Wal-Mart Stores Inc, as your reference.

Is Steele Bancorp (STLE) Overvalued in 2026?

Based on GuruFocus' analysis, Steele Bancorp stock appears to be overvalued. The current stock price of $46.31 is trading 7.4% above its estimated GF Value™ of $43.13. GuruFocus considers Steele Bancorp to be Fairly Valued.

Key valuation signals for STLE:

  • Owner Earnings per Share (TTM):
  • GF Value™: $43.13 vs. price of $46.31 (7.4% above fair value)
  • GF Score™: 59/100 with 7 warning signs

No single metric tells the full story. See the STLE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Steele Bancorp Business Description

Address 250 East Chestnut Street, P.O. Box 186, Mifflinburg, PA, USA, 17844
Steele Bancorp Inc Formerly Mifflinburg Bancorp Inc is a United States-based commercial bank. Its principal activities and sources of revenues are commercial, mortgage, residential real estate, and consumer loan financing as well as a variety of deposit services provided to customers.
59GF Score

Get the complete analysis for STLE

Owner Earnings per Share (TTM) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$46.31
Price
$43.13
GF Value