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Empire Bancshares's ROE % for the quarter that ended in Dec. 2025 was 8.62%. Empire Bancshares's PB Ratio for the quarter that ended in Dec. 2025 was 0.70.
Empire Bancshares's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 12.31%.
Empire Bancshares ROE % Adjusted to Book Value Related Terms
Empire Bancshares ROE % Adjusted to Book Value Historical Data
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The historical data trend for Empire Bancshares'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.
Empire Bancshares ROE % Adjusted to Book Value Chart
EBSH vs GWBK, MNBO, GTPS: ROE % Adjusted to Book Value Comparison
For the Banks - Regional subindustry, Empire Bancshares'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.
Empire Bancshares ROE % Adjusted to Book Value vs Banks Industry
For the Banks industry and Financial Services sector, Empire Bancshares's ROE % Adjusted to Book Value distribution charts can be found below:
* The bar in red indicates where Empire Bancshares's ROE % Adjusted to Book Value falls into.
* 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 12.31% mean?
Empire Bancshares (EBSH) has a ROE % Adjusted to Book Value of 12.31% 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 Empire Bancshares and its competitors.
Is Empire Bancshares' ROE % Adjusted to Book Value too high?
Empire Bancshares' current ROE % Adjusted to Book Value is 12.31%. Overall, Empire Bancshares has a GF Score™ of 52/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Empire Bancshares' ROE % Adjusted to Book Value compare to GWBK and MNBO?
Empire Bancshares' ROE % Adjusted to Book Value of 12.31% 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 Empire Bancshares and its competitors. Empire Bancshares's current ROE % Adjusted to Book Value is 12.31%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Empire Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Empire Bancshares (EBSH) is currently considered Significantly Overvalued. The stock's GF Value™ is $23.52, compared to a current price of $41.63 — trading 77% above its estimated fair value. The current ROE % Adjusted to Book Value is 12.31%. Empire Bancshares' overall GF Score™ is 52/100 with 5 warning signs 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 Empire Bancshares (EBSH), the current ROE % Adjusted to Book Value is 12.31% 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 Empire Bancshares (EBSH) Overvalued in 2026?
Based on GuruFocus' analysis, Empire Bancshares stock appears to be overvalued.
The current stock price of $41.63 is trading 77% above its estimated GF Value™ of $23.52.
GuruFocus considers Empire Bancshares to be Significantly Overvalued.
Key valuation signals for EBSH:
ROE % Adjusted to Book Value: 12.31%
GF Value™: $23.52 vs. price of $41.63 (77% above fair value)
No single metric tells the full story. See the EBSH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Empire Bancshares Inc, through its subsidiary, is engaged in providing banking products and services. The Bank's principal services include accepting deposits and making loans. Loan and deposit customers are mainly located in northwestern Ohio and northeastern Indiana, and include a wide range of individuals, businesses, and other organizations. A portion of loans is secured by various forms of collateral, including real estate, business assets, consumer property, and other items, although borrower cash flow is generally the primary source of repayment.
52GF Score
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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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