HMLN (Hamlin Bank and Trust Co) ROC (Joel Greenblatt) %: % (As of Dec. 2025)


HMLN Hamlin Bank and Trust Co HMLN
69 GF Score
Price $241.00
GF Value $274.33
Valuation Modestly Undervalued
! 3 Warning Signs
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What is Hamlin Bank and Trust Co ROC (Joel Greenblatt) %?

Hamlin Bank and Trust Co HMLN 69 ROC (Joel Greenblatt) % is % as of Dec. 2025. GuruFocus rates HMLN with a GF Score™ of 69/100 and a GF Value™ of $274.33 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 46 Banks companies, Hamlin Bank and Trust Co ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

HMLN
69GF Score
Hamlin Bank and Trust Co HMLN
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Hamlin Bank and Trust Co (HMLN) has a ROC (Joel Greenblatt) % of % as of Dec. 2025. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Hamlin Bank and Trust Co and its competitors. According to the industry distribution chart, Hamlin Bank and Trust Co ranks #999999 out of 46 companies in the Banks industry.
Is Hamlin Bank and Trust Co's ROC (Joel Greenblatt) % too high?
Hamlin Bank and Trust Co's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Hamlin Bank and Trust Co ranks #999999 out of 46 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Hamlin Bank and Trust Co has a GF Score™ of 69/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Hamlin Bank and Trust Co's ROC (Joel Greenblatt) % compare to SOBS and BKOR?
According to the Banks industry distribution chart, Hamlin Bank and Trust Co ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places Hamlin Bank and Trust Co in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 69.14. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 69.14, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Hamlin Bank and Trust Co and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 69.14 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hamlin Bank and Trust Co's current ROC (Joel Greenblatt) % is %. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hamlin Bank and Trust Co stock overvalued right now?
Based on GuruFocus' analysis, Hamlin Bank and Trust Co (HMLN) is currently considered Modestly Undervalued. The stock's GF Value™ is $274.33, compared to a current price of $241.00 — trading 12.1% below its estimated fair value. The current ROC (Joel Greenblatt) % is %. Hamlin Bank and Trust Co's overall GF Score™ is 69/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Hamlin Bank and Trust Co (HMLN), the current ROC (Joel Greenblatt) % is % 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 Hamlin Bank and Trust Co (HMLN) Overvalued in 2026?

Based on GuruFocus' analysis, Hamlin Bank and Trust Co stock appears to be undervalued. The current stock price of $241.00 is trading 12.1% below its estimated GF Value™ of $274.33. GuruFocus considers Hamlin Bank and Trust Co to be Modestly Undervalued.

Key valuation signals for HMLN:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $274.33 vs. price of $241.00 (12.1% below fair value)
  • GF Score™: 69/100 with 3 warning signs

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

Hamlin Bank and Trust Co Business Description

Address 333 West Main Street, PO Box 367, Smethport, PA, USA, 16749
Hamlin Bank and Trust Co are a United States-based state charted commercial bank. It offers a variety of financial and trust services. The company provides services such as personal banking services, business banking services, trust services, and other banking services. The Banks principal sources of revenue emanate from its portfolio of residential real estate, commercial mortgage, commercial, and consumer loans, as well as interest on investment securities and a variety of deposit and trust services provided to its customers.
69GF Score

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ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$241.00
Price
$274.33
GF Value