SMAL (Summit Bancshares,) ROC (Joel Greenblatt) %: % (As of Dec. 2025)

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SMAL Summit Bancshares, Inc. SMAL
62 GF Score
Price $57.95
GF Value $40.30
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Summit Bancshares, ROC (Joel Greenblatt) %?

Summit Bancshares, SMAL -0.52% 62 ROC (Joel Greenblatt) % is % as of Dec. 2025. GuruFocus rates SMAL with a GF Score™ of 62/100 and a GF Value™ of $40.30 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 46 Banks companies, Summit Bancshares, ranks worse than 2173910.87% on this metric.

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

SMAL
62GF Score
Summit Bancshares, Inc. SMAL
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?
Summit Bancshares, (SMAL) 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 Summit Bancshares, and its competitors. According to the industry distribution chart, Summit Bancshares, ranks #999999 out of 46 companies in the Banks industry.
Is Summit Bancshares,'s ROC (Joel Greenblatt) % too high?
Summit Bancshares,'s current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Summit Bancshares, ranks #999999 out of 46 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Summit Bancshares, has a GF Score™ of 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Summit Bancshares,'s ROC (Joel Greenblatt) % compare to CLST and LSFG?
According to the Banks industry distribution chart, Summit Bancshares, ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places Summit Bancshares, in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.39. 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 63.39, 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 Summit Bancshares, and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Summit Bancshares,'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 Summit Bancshares, stock overvalued right now?
Based on GuruFocus' analysis, Summit Bancshares, (SMAL) is currently considered Significantly Overvalued. The stock's GF Value™ is $40.30, compared to a current price of $57.95 — trading 43.8% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. Summit Bancshares,'s overall GF Score™ is 62/100 with 5 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 Summit Bancshares, (SMAL), 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 Summit Bancshares, (SMAL) Overvalued in 2026?

Based on GuruFocus' analysis, Summit Bancshares, stock appears to be overvalued. The current stock price of $57.95 is trading 43.8% above its estimated GF Value™ of $40.30. GuruFocus considers Summit Bancshares, to be Significantly Overvalued.

Key valuation signals for SMAL:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $40.30 vs. price of $57.95 (43.8% above fair value)
  • GF Score™: 62/100 with 5 warning signs

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

Summit Bancshares, Business Description

Address 2969 Broadway, Oakland, CA, USA, 94611
Summit Bancshares, Inc. operates in the banking industry. It offers personal banking, business banking, and other services. The Bank operates approximately three branches and provides commercial credit and other banking services to small and mid-sized businesses and professionals, including professional firms of physicians, attorneys, accountants, real estate developers, retailers, service firms, wholesalers, and distributors.
62GF Score

Get the complete analysis for SMAL

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

$57.95
Price
$40.30
GF Value