BEOB (BEO Bancorp OR) ROE % Adjusted to Book Value: 13.35% (As of Dec. 2025)

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Director of Data and Quant Analytics at GuruFocus
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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.

BEOB BEO Bancorp OR BEOB
72 GF Score
Price $64.49
GF Value $48.11
Valuation Significantly Overvalued
! 1 Warning Sign
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What is BEO Bancorp OR ROE % Adjusted to Book Value?

BEO Bancorp OR BEOB 72 ROE % Adjusted to Book Value is 13.35% as of Dec. 2025. GuruFocus rates BEOB with a GF Score™ of 72/100 and a GF Value™ of $48.11 (Significantly Overvalued). The stock has 1 warning sign investors should review.

BEO Bancorp OR's ROE % for the quarter that ended in Dec. 2025 was 18.29%. BEO Bancorp OR's PB Ratio for the quarter that ended in Dec. 2025 was 1.37. BEO Bancorp OR's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 13.35%.


BEO Bancorp OR ROE % Adjusted to Book Value Related Terms


BEO Bancorp OR ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for BEO Bancorp OR's ROE % Adjusted to Book Value can be seen below:

* 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.

BEO Bancorp OR ROE % Adjusted to Book Value Chart

BEO Bancorp OR Annual Data
Trend Dec04 Dec05 Dec06 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 14.05 16.73 24.29 19.32 13.35

BEO Bancorp OR Semi-Annual Data
Dec03 Dec04 Dec05 Dec06 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only 14.05 16.73 24.29 19.32 13.35

BEOB vs ENBP, NODB, EMYB: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, BEO Bancorp OR's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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.


BEO Bancorp OR ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, BEO Bancorp OR's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where BEO Bancorp OR's ROE % Adjusted to Book Value falls into.


BEOB
72GF Score
BEO Bancorp OR BEOB
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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BEO Bancorp OR ROE % Adjusted to Book Value Calculation

BEO Bancorp OR's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=18.29% / 1.37
=13.35%

BEO Bancorp OR's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=18.29% / 1.37
=13.35%

* 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.

What does a ROE % Adjusted to Book Value of 13.35% mean?
BEO Bancorp OR (BEOB) has a ROE % Adjusted to Book Value of 13.35% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on BEO Bancorp OR and its competitors.
Is BEO Bancorp OR's ROE % Adjusted to Book Value too high?
BEO Bancorp OR's current ROE % Adjusted to Book Value is 13.35%. Overall, BEO Bancorp OR has a GF Score™ of 72/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BEO Bancorp OR's ROE % Adjusted to Book Value compare to ENBP and NODB?
BEO Bancorp OR's ROE % Adjusted to Book Value of 13.35% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on BEO Bancorp OR and its competitors. BEO Bancorp OR's current ROE % Adjusted to Book Value is 13.35%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BEO Bancorp OR stock overvalued right now?
Based on GuruFocus' analysis, BEO Bancorp OR (BEOB) is currently considered Significantly Overvalued. The stock's GF Value™ is $48.11, compared to a current price of $64.49 — trading 34% above its estimated fair value. The current ROE % Adjusted to Book Value is 13.35%. BEO Bancorp OR's overall GF Score™ is 72/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For BEO Bancorp OR (BEOB), the current ROE % Adjusted to Book Value is 13.35% 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 BEO Bancorp OR (BEOB) Overvalued in 2026?

Based on GuruFocus' analysis, BEO Bancorp OR stock appears to be overvalued. The current stock price of $64.49 is trading 34% above its estimated GF Value™ of $48.11. GuruFocus considers BEO Bancorp OR to be Significantly Overvalued.

Key valuation signals for BEOB:

  • ROE % Adjusted to Book Value: 13.35%
  • GF Value™: $48.11 vs. price of $64.49 (34% above fair value)
  • GF Score™: 72/100 with 1 warning sign

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


BEO Bancorp OR Business Description

Address 250 NW Gale Street, PO Box 39, Heppner, OR, USA, 97836
BEO Bancorp OR provides commercial and consumer financing, banking, and mortgage lending, and other services in Northeastern Oregon and Southeastern Washington. Its activities include the usual lending and deposit functions of a commercial bank: commercial, agricultural, real estate, installment, credit card, and mortgage loans; checking, money market, time deposit, and savings accounts; internet banking and bill payment; automated teller machines and safe deposit facilities. Additionally, the Bank originates and sells mortgage loans into the secondary market.
72GF Score

Get the complete analysis for BEOB

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

$64.49
Price
$48.11
GF Value