Morris State BancsharesMBLU 49 ROA % is 2.48% as of Dec. 2025, which is 60% above its 10-year median of 1.55. GuruFocus rates MBLU with a GF Score™ of 49/100 and a GF Value™ of $24.47. The stock has 2 warning signs investors should review. Among 1,530 Banks companies, Morris State Bancshares ranks better than 83.92% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Morris State Bancshares's annualizedNet Income for the quarter that ended in Dec. 2025 was $38.30 Mil.
Morris State Bancshares's average Total Assets over the quarter that ended in Dec. 2025 was $1,544.61 Mil. Therefore, Morris State Bancshares's annualized ROA % for the quarter that ended in Dec. 2025 was 2.48%.
The historical rank and industry rank for Morris State Bancshares's ROA % or its related term are showing as below:
MBLU'
s ROA % Range Over the Past 10 Years
Min: 1.36 Med: 1.55 Max: 2.03
Current: 1.73
During the past 9 years, Morris State Bancshares's highest ROA % was 2.03%. The lowest was 1.36%. And the median was 1.55%.
MBLU's ROA % is ranked better than 83.92% of 1530
companies
in the Banks industry
Industry Median: 0.98
vs MBLU: 1.73
Morris State Bancshares (OTCPK:MBLU) 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 (Dec. 2025) net income data. The Revenue data used here is four times the quarterly (Dec. 2025) 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.
* 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, Morris State Bancshares'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.
Morris State Bancshares ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Morris State Bancshares's ROA % distribution charts can be found below:
* The bar in red indicates where Morris State Bancshares'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 (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
Morris State Bancshares (MBLU) has a ROA % of 2.48% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Morris State Bancshares and its competitors. This is 60% above median its historical median of 1.55. Over the past decade, Morris State Bancshares' ROA % has ranged from 1.36 to 2.03. According to the industry distribution chart, Morris State Bancshares ranks #246 out of 1530 companies in the Banks industry, placing it in the top 16.1%.
Is Morris State Bancshares' ROA % too high?
Morris State Bancshares' current ROA % of 2.48% is 60% above median its 10-year median of 1.55. Over the past 10 years, this metric has ranged from a low of 1.36 to a high of 2.03. The Banks industry median ROA % is 0.98. Morris State Bancshares' value of 2.48% is 153.1% above this industry median. Based on the distribution chart, Morris State Bancshares ranks #246 out of 1530 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Morris State Bancshares has a GF Score™ of 49/100, reflecting its overall financial health beyond just this single metric.
How does Morris State Bancshares' ROA % compare to MSBC and FVCB?
According to the Banks industry distribution chart, Morris State Bancshares ranks #246 out of 1530 companies for ROA %. This places Morris State Bancshares in the top 16% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. Morris State Bancshares' value of 2.48% is 153.1% above this benchmark. Historically, Morris State Bancshares' own ROA % has ranged from 1.36 to 2.03 over the past decade. While the company's 10-year median is 1.55 vs. the industry median of 0.98, Morris State Bancshares 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 0.98, based on 1,530 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. Morris State Bancshares's current ROA % of 2.48% is 153.1% 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 Morris State Bancshares and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Morris State Bancshares's current ROA % is 2.48%, which is 60% above median its own 10-year median of 1.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Morris State Bancshares stock overvalued right now?
Morris State Bancshares (MBLU) has a current ROA % of 2.48%. The stock's GF Value™ is $24.47, compared to a current price of $25.00 — trading 2.2% above its estimated fair value. The current ROA % is 2.48%, which is 60% above median its 10-year median of 1.55 and 153.1% above the Banks industry median of 0.98. Morris State Bancshares' overall GF Score™ is 49/100 with 2 warning signs to review. 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 Morris State Bancshares (MBLU), the current ROA % is 2.48% 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 Morris State Bancshares (MBLU) Overvalued in 2026?
Based on GuruFocus' analysis, Morris State Bancshares stock appears to be overvalued.
The current stock price of $25.00 is trading 2.2% above its estimated GF Value™ of $24.47.
Key valuation signals for MBLU:
ROA %: 2.48% (60% above median its 10-year median of 1.55)
GF Value™: $24.47 vs. price of $25.00 (2.2% above fair value)
Industry Position: 153.1% above the Banks median (#246 of 1530)
No single metric tells the full story. See the MBLU stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Morris State Bancshares Inc operates as a bank. It provides a variety of financial services to individuals and small businesses through its offices in middle Georgia. The Bank offers a full range of commercial and personal loan products. It makes loans to individuals for purposes such as home mortgage financing, personal vehicles and various consumer purchases, and other personal and family needs. Commercial loans are offered to businesses for purposes such as providing equipment and machinery purchases, commercial real estate purchases, and working capital. The Bank also provides a full range of deposit services that are typically available from financial institutions, including NOW accounts, demand, savings, and other time deposits.
49GF Score
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