STBI (Sturgis Bancorp) ROE % Adjusted to Book Value: 15.33% (As of Mar. 2026)


STBI Sturgis Bancorp Inc STBI
76 GF Score
Price $26.41
GF Value $21.27
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Sturgis Bancorp ROE % Adjusted to Book Value?

Sturgis Bancorp STBI -0.04% 76 ROE % Adjusted to Book Value is 15.33% as of Mar. 2026. GuruFocus rates STBI with a GF Score™ of 76/100 and a GF Value™ of $21.27 (Modestly Overvalued). The stock has 6 warning signs investors should review.

Sturgis Bancorp's ROE % for the quarter that ended in Mar. 2026 was 11.96%. Sturgis Bancorp's PB Ratio for the quarter that ended in Mar. 2026 was 0.78. Sturgis Bancorp's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 15.33%.

Sturgis Bancorp ROE % Adjusted to Book Value Related Terms

Sturgis Bancorp ROE % Adjusted to Book Value Historical Data

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The historical data trend for Sturgis Bancorp'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.

Sturgis Bancorp ROE % Adjusted to Book Value Chart

Sturgis Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 16.56 15.19 15.87 7.18 16.99

Sturgis Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 15.10 16.94 23.86 17.45 15.33

STBI vs BCOW, BSPA, LSFG: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Sturgis Bancorp'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.

Sturgis Bancorp ROE % Adjusted to Book Value vs Banks Industry

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

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


STBI
76GF Score
Sturgis Bancorp Inc STBI
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Sturgis Bancorp ROE % Adjusted to Book Value Calculation

Sturgis Bancorp'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
=12.57% / 0.74
=16.99%

Sturgis Bancorp's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=11.96% / 0.78
=15.33%

* 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 15.33% mean?
Sturgis Bancorp (STBI) has a ROE % Adjusted to Book Value of 15.33% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Sturgis Bancorp and its competitors.
Is Sturgis Bancorp's ROE % Adjusted to Book Value too high?
Sturgis Bancorp's current ROE % Adjusted to Book Value is 15.33%. Overall, Sturgis Bancorp has a GF Score™ of 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sturgis Bancorp's ROE % Adjusted to Book Value compare to BCOW and BSPA?
Sturgis Bancorp's ROE % Adjusted to Book Value of 15.33% 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 Sturgis Bancorp and its competitors. Sturgis Bancorp's current ROE % Adjusted to Book Value is 15.33%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sturgis Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Sturgis Bancorp (STBI) is currently considered Modestly Overvalued. The stock's GF Value™ is $21.27, compared to a current price of $26.41 — trading 24.2% above its estimated fair value. The current ROE % Adjusted to Book Value is 15.33%. Sturgis Bancorp's overall GF Score™ is 76/100 with 6 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 Sturgis Bancorp (STBI), the current ROE % Adjusted to Book Value is 15.33% as of Mar. 2026. 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 Sturgis Bancorp (STBI) Overvalued in 2026?

Based on GuruFocus' analysis, Sturgis Bancorp stock appears to be overvalued. The current stock price of $26.41 is trading 24.2% above its estimated GF Value™ of $21.27. GuruFocus considers Sturgis Bancorp to be Modestly Overvalued.

Key valuation signals for STBI:

  • ROE % Adjusted to Book Value: 15.33%
  • GF Value™: $21.27 vs. price of $26.41 (24.2% above fair value)
  • GF Score™: 76/100 with 6 warning signs

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

Sturgis Bancorp Business Description

Address 113-125 East Chicago Road, P.O. Box 600, Sturgis, MI, USA, 49091
Sturgis Bancorp Inc is a bank holding company operating predominantly in the southwestern portion of Michigan's Lower Peninsula. Through its subsidiaries, it is engaged in accepting deposits and making commercial and residential mortgage loans; providing various investment and financial advisory services; offering credit cards and different types of loans; and providing title, consumer, and commercial insurance products, among others.
76GF 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.

$26.41
Price
$21.27
GF Value