PONT (Pontiac Bancorp) ROCE %: % (As of Dec. 2025)

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.

PONT Pontiac Bancorp Inc PONT
68 GF Score
Price $700.00
GF Value $646.13
Valuation Fairly Valued
! 1 Warning Sign
View Full Analysis

What is Pontiac Bancorp ROCE %?

Pontiac Bancorp PONT 68 ROCE % is % as of Dec. 2025. GuruFocus rates PONT with a GF Score™ of 68/100 and a GF Value™ of $646.13 (Fairly Valued). The stock has 1 warning sign investors should review.

ROCE % does not apply to banks and insurance companies.

PONT
68GF Score
Pontiac Bancorp Inc PONT
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of % mean?
Pontiac Bancorp (PONT) has a ROCE % of % as of Dec. 2025.
Is Pontiac Bancorp's ROCE % too high?
Pontiac Bancorp's current ROCE % is %. Overall, Pontiac Bancorp has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Pontiac Bancorp's ROCE % compare to AFBI and FMBM?
Pontiac Bancorp's ROCE % of % can be compared against companies in the Banks industry. The industry median ROCE % is 3.24. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Banks company?
The median ROCE % among Banks companies is 3.24, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median ROCE % is 3.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pontiac Bancorp's current ROCE % is %. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pontiac Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Pontiac Bancorp (PONT) is currently considered Fairly Valued. The stock's GF Value™ is $646.13, compared to a current price of $700.00 — trading 8.3% above its estimated fair value. The current ROCE % is %. Pontiac Bancorp's overall GF Score™ is 68/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Pontiac Bancorp (PONT), the current ROCE % 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 Pontiac Bancorp (PONT) Overvalued in 2026?

Based on GuruFocus' analysis, Pontiac Bancorp stock appears to be overvalued. The current stock price of $700.00 is trading 8.3% above its estimated GF Value™ of $646.13. GuruFocus considers Pontiac Bancorp to be Fairly Valued.

Key valuation signals for PONT:

  • ROCE %: %
  • GF Value™: $646.13 vs. price of $700.00 (8.3% above fair value)
  • GF Score™: 68/100 with 1 warning sign

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

Pontiac Bancorp Business Description

Address 300 W. Washington Street, Pontiac, IL, USA, 61764
Pontiac Bancorp Inc is engaged in banking services. The company offers personal banking, business banking, lending, wealth management, and agriculture lending services. The bank grants agribusiness, commercial, residential, and personal loans to customers located in the bank's market area.
68GF Score

Get the complete analysis for PONT

ROCE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$700.00
Price
$646.13
GF Value