WSSH (West Shore Bank) ROE % Adjusted to Book Value: 15.62% (As of Dec. 2025)


WSSH West Shore Bank Corp WSSH
56 GF Score
Price $42.80
GF Value $34.87
Valuation Modestly Overvalued
! 7 Warning Signs
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What is West Shore Bank ROE % Adjusted to Book Value?

West Shore Bank WSSH 56 ROE % Adjusted to Book Value is 15.62% as of Dec. 2025. GuruFocus rates WSSH with a GF Score™ of 56/100 and a GF Value™ of $34.87 (Modestly Overvalued). The stock has 7 warning signs investors should review.

West Shore Bank's ROE % for the quarter that ended in Dec. 2025 was 11.87%. West Shore Bank's PB Ratio for the quarter that ended in Dec. 2025 was 0.76. West Shore Bank's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 15.62%.

West Shore Bank ROE % Adjusted to Book Value Related Terms

West Shore Bank ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for West Shore Bank'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.

West Shore Bank ROE % Adjusted to Book Value Chart

West Shore Bank Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial 11.70 8.73 15.85 16.84 15.62

West Shore Bank Semi-Annual Data
Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial 11.70 8.73 15.85 16.84 15.62

WSSH vs PVBK, TBBC, FGFI: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, West Shore Bank'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.

West Shore Bank ROE % Adjusted to Book Value vs Banks Industry

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

* The bar in red indicates where West Shore Bank's ROE % Adjusted to Book Value falls into.


WSSH
56GF Score
West Shore Bank Corp WSSH
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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West Shore Bank ROE % Adjusted to Book Value Calculation

West Shore Bank'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
=11.87% / 0.76
=15.62%

West Shore Bank'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
=11.87% / 0.76
=15.62%

* 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 15.62% mean?
West Shore Bank (WSSH) has a ROE % Adjusted to Book Value of 15.62% 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 West Shore Bank and its competitors.
Is West Shore Bank's ROE % Adjusted to Book Value too high?
West Shore Bank's current ROE % Adjusted to Book Value is 15.62%. Overall, West Shore Bank has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does West Shore Bank's ROE % Adjusted to Book Value compare to PVBK and TBBC?
West Shore Bank's ROE % Adjusted to Book Value of 15.62% 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 West Shore Bank and its competitors. West Shore Bank's current ROE % Adjusted to Book Value is 15.62%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is West Shore Bank stock overvalued right now?
Based on GuruFocus' analysis, West Shore Bank (WSSH) is currently considered Modestly Overvalued. The stock's GF Value™ is $34.87, compared to a current price of $42.80 — trading 22.7% above its estimated fair value. The current ROE % Adjusted to Book Value is 15.62%. West Shore Bank's overall GF Score™ is 56/100 with 7 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 West Shore Bank (WSSH), the current ROE % Adjusted to Book Value is 15.62% 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 West Shore Bank (WSSH) Overvalued in 2026?

Based on GuruFocus' analysis, West Shore Bank stock appears to be overvalued. The current stock price of $42.80 is trading 22.7% above its estimated GF Value™ of $34.87. GuruFocus considers West Shore Bank to be Modestly Overvalued.

Key valuation signals for WSSH:

  • ROE % Adjusted to Book Value: 15.62%
  • GF Value™: $34.87 vs. price of $42.80 (22.7% above fair value)
  • GF Score™: 56/100 with 7 warning signs

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

West Shore Bank Business Description

Address 201 West Loomis Street, PO Box 627, Ludington, MI, USA, 49431-2012
West Shore Bank Corp is a provider of banking and financial service. The banks services include time savings, demand deposits and checking account services; commercial, consumer and mortgage loan services; treasury and cash management services; wealth management and investment services; telephone banking, Internet banking and mobile banking services; safe deposit, and automated transaction machine (ATM/ITM) services, among others.
56GF 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.

$42.80
Price
$34.87
GF Value