MBLU (Morris State Bancshares) ROE % Adjusted to Book Value: 14.59% (As of Dec. 2025)


MBLU Morris State Bancshares Inc MBLU
49 GF Score
Price $25.00
GF Value $24.47
! 2 Warning Signs
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What is Morris State Bancshares ROE % Adjusted to Book Value?

Morris State Bancshares MBLU 49 ROE % Adjusted to Book Value is 14.59% as of Dec. 2025. GuruFocus rates MBLU with a GF Score™ of 49/100 and a GF Value™ of $24.47. The stock has 2 warning signs investors should review.

Morris State Bancshares's ROE % for the quarter that ended in Dec. 2025 was 18.24%. Morris State Bancshares's PB Ratio for the quarter that ended in Dec. 2025 was 1.25. Morris State Bancshares's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 14.59%.


Morris State Bancshares ROE % Adjusted to Book Value Related Terms


Morris State Bancshares ROE % Adjusted to Book Value Historical Data

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The historical data trend for Morris State 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.

Morris State Bancshares ROE % Adjusted to Book Value Chart

Morris State Bancshares Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only 15.14 11.72 12.52 9.57 10.39

Morris State Bancshares Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 10.43 8.92 10.32 9.91 14.59

MBLU vs MSBC, FVCB, FCCO: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Morris State 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.


Morris State Bancshares ROE % Adjusted to Book Value vs Banks Industry

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

* The bar in red indicates where Morris State Bancshares's ROE % Adjusted to Book Value falls into.


MBLU
49GF Score
Morris State Bancshares Inc MBLU
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Morris State Bancshares ROE % Adjusted to Book Value Calculation

Morris State Bancshares'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
=12.99% / 1.25
=10.39%

Morris State Bancshares'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
=18.24% / 1.25
=14.59%

* 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 14.59% mean?
Morris State Bancshares (MBLU) has a ROE % Adjusted to Book Value of 14.59% 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 Morris State Bancshares and its competitors.
Is Morris State Bancshares' ROE % Adjusted to Book Value too high?
Morris State Bancshares' current ROE % Adjusted to Book Value is 14.59%. Overall, Morris State Bancshares has a GF Score™ of 49/100, reflecting its overall financial health beyond just this single metric.
How does Morris State Bancshares' ROE % Adjusted to Book Value compare to MSBC and FVCB?
Morris State Bancshares' ROE % Adjusted to Book Value of 14.59% 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 Morris State Bancshares and its competitors. Morris State Bancshares's current ROE % Adjusted to Book Value is 14.59%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Morris State Bancshares stock overvalued right now?
Morris State Bancshares (MBLU) has a current ROE % Adjusted to Book Value of 14.59%. The stock's GF Value™ is $24.47, compared to a current price of $25.00 — trading 2.2% above its estimated fair value. The current ROE % Adjusted to Book Value is 14.59%. Morris State Bancshares' overall GF Score™ is 49/100 with 2 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 Morris State Bancshares (MBLU), the current ROE % Adjusted to Book Value is 14.59% 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 Morris State Bancshares (MBLU) Overvalued in 2026?

Based on GuruFocus' analysis, Morris State Bancshares stock appears to be overvalued. The current stock price of $25.00 is trading 2.2% above its estimated GF Value™ of $24.47.

Key valuation signals for MBLU:

  • ROE % Adjusted to Book Value: 14.59%
  • GF Value™: $24.47 vs. price of $25.00 (2.2% above fair value)
  • GF Score™: 49/100 with 2 warning signs

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


Morris State Bancshares Business Description

Address 300 Bellevue Avenue, PO Box 520, Dublin, GA, USA, 31040
Morris State Bancshares Inc operates as a bank. It provides a variety of financial services to individuals and small businesses through its offices in middle Georgia. The Bank offers a full range of commercial and personal loan products. It makes loans to individuals for purposes such as home mortgage financing, personal vehicles and various consumer purchases, and other personal and family needs. Commercial loans are offered to businesses for purposes such as providing equipment and machinery purchases, commercial real estate purchases, and working capital. The Bank also provides a full range of deposit services that are typically available from financial institutions, including NOW accounts, demand, savings, and other time deposits.
49GF 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.

$25.00
Price
$24.47
GF Value