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Community Bancorp Ofnta MariaCYSM +1.23%54 ROA % is 1.10% as of Jun. 2026, which is 28% above its 10-year median of 0.86. GuruFocus rates CYSM with a GF Score™ of 54/100 and a GF Value™ of $13.11 (Significantly Overvalued). Among 1,528 Banks companies, Community Bancorp Ofnta Maria ranks better than 53.47% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Community Bancorp Ofnta Maria's annualizedNet Income for the quarter that ended in Jun. 2026 was $4.40 Mil.
Community Bancorp Ofnta Maria's average Total Assets over the quarter that ended in Jun. 2026 was $401.04 Mil. Therefore, Community Bancorp Ofnta Maria's annualized ROA % for the quarter that ended in Jun. 2026 was 1.10%.
The historical rank and industry rank for Community Bancorp Ofnta Maria's ROA % or its related term are showing as below:
CYSM'
s ROA % Range Over the Past 10 Years
Min: 0.5 Med: 0.86 Max: 1.39
Current: 1.05
During the past 13 years, Community Bancorp Ofnta Maria's highest ROA % was 1.39%. The lowest was 0.50%. And the median was 0.86%.
CYSM's ROA % is ranked better than 53.47% of 1528
companies
in the Banks industry
Industry Median: 1
vs CYSM: 1.05
Community Bancorp Ofnta Maria (OTCPK:CYSM) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Jun. 2026) net income data. The Revenue data used here is four times the quarterly (Jun. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Community Bancorp Ofnta Maria ROA % Related Terms
Community Bancorp Ofnta Maria ROA % Historical Data
* 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.
For the Banks - Regional subindustry, Community Bancorp Ofnta Maria's ROA %, along with its competitors' market caps and ROA % 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.
Community Bancorp Ofnta Maria ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Community Bancorp Ofnta Maria's ROA % distribution charts can be found below:
* The bar in red indicates where Community Bancorp Ofnta Maria's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Community Bancorp Ofnta Maria (CYSM) has a ROA % of 1.10% as of Jun. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Community Bancorp Ofnta Maria and its competitors. This is 28% above median its historical median of 0.86. Over the past decade, Community Bancorp Ofnta Maria's ROA % has ranged from 0.50 to 1.39. According to the industry distribution chart, Community Bancorp Ofnta Maria ranks #711 out of 1528 companies in the Banks industry, placing it in the top 46.5%.
Is Community Bancorp Ofnta Maria's ROA % too high?
Community Bancorp Ofnta Maria's current ROA % of 1.10% is 28% above median its 10-year median of 0.86. Over the past 10 years, this metric has ranged from a low of 0.50 to a high of 1.39. The Banks industry median ROA % is 1.00. Community Bancorp Ofnta Maria's value of 1.10% is 10% above this industry median. Based on the distribution chart, Community Bancorp Ofnta Maria ranks #711 out of 1528 companies in the Banks industry, which is above the industry midpoint. Overall, Community Bancorp Ofnta Maria has a GF Score™ of 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Community Bancorp Ofnta Maria's ROA % compare to SOUB and TMAK?
According to the Banks industry distribution chart, Community Bancorp Ofnta Maria ranks #711 out of 1528 companies for ROA %. This puts Community Bancorp Ofnta Maria in the upper half of its industry. The industry median ROA % is 1.00. Community Bancorp Ofnta Maria's value of 1.10% is 10% above this benchmark. Historically, Community Bancorp Ofnta Maria's own ROA % has ranged from 0.50 to 1.39 over the past decade. While the company's 10-year median is 0.86 vs. the industry median of 1.00, Community Bancorp Ofnta Maria 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 ROA % for a Banks company?
The median ROA % among Banks companies is 1.00, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Community Bancorp Ofnta Maria's current ROA % of 1.10% is 10% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Community Bancorp Ofnta Maria and its competitors. For the Banks industry, the median ROA % is 1.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Community Bancorp Ofnta Maria's current ROA % is 1.10%, which is 28% above median its own 10-year median of 0.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Community Bancorp Ofnta Maria stock overvalued right now?
Based on GuruFocus' analysis, Community Bancorp Ofnta Maria (CYSM) is currently considered Significantly Overvalued. The stock's GF Value™ is $13.11, compared to a current price of $20.55 — trading 56.8% above its estimated fair value. The current ROA % is 1.10%, which is 28% above median its 10-year median of 0.86 and 10% above the Banks industry median of 1.00. Community Bancorp Ofnta Maria's overall GF Score™ is 54/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Community Bancorp Ofnta Maria (CYSM), the current ROA % is 1.10% as of Jun. 2026. 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 Community Bancorp Ofnta Maria (CYSM) Overvalued in 2026?
Based on GuruFocus' analysis, Community Bancorp Ofnta Maria stock appears to be overvalued.
The current stock price of $20.55 is trading 56.8% above its estimated GF Value™ of $13.11.
GuruFocus considers Community Bancorp Ofnta Maria to be Significantly Overvalued.
Key valuation signals for CYSM:
ROA %: 1.10% (28% above median its 10-year median of 0.86)
GF Value™: $13.11 vs. price of $20.55 (56.8% above fair value)
Industry Position: 10% above the Banks median (#711 of 1528)
No single metric tells the full story. See the CYSM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Community Bancorp Of Santa Maria Community Bancorp of Santa Maria is the holding company for Community Bank of Santa Maria. The bank provides banking products and services. It offers a full range of commercial and personal banking services to businesses and residents of Santa Maria and the surrounding areas. Community Bancorp has been organized as a single operating segment. Its primary source of revenue is providing loans to customers, who are predominantly small and middle-market businesses and individuals.
54GF Score
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