SMAL (Summit Bancshares,) 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.
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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.

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, ROCE %?

Summit Bancshares, SMAL -0.52% 62 ROCE % 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.

ROCE % does not apply to banks and insurance companies.

SMAL
62GF Score
Summit Bancshares, Inc. SMAL
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of % mean?
Summit Bancshares, (SMAL) has a ROCE % of % as of Dec. 2025.
Is Summit Bancshares,'s ROCE % too high?
Summit Bancshares,'s current ROCE % is %. 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 ROCE % compare to CLST and LSFG?
Summit Bancshares,'s ROCE % of % can be compared against companies in the Banks industry. The industry median ROCE % is 3.08. 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 3.08, 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 3.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Summit Bancshares,'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 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 ROCE % 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 ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Summit Bancshares, (SMAL), 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 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:

  • ROCE %: %
  • 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

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

$57.95
Price
$40.30
GF Value