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Baker Boyer BancorpBBBK 64 ROE % is 6.01% as of Jun. 2026, which is 38% below its 10-year median of 9.73. GuruFocus rates BBBK with a GF Score™ of 64/100 and a GF Value™ of $45.28 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,523 Banks companies, Baker Boyer Bancorp ranks worse than 75.51% on this metric.
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Jun. 2026) net income data. The Revenue data used here is four times the quarterly (Jun. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Baker Boyer Bancorp ROE % Related Terms
Baker Boyer Bancorp ROE % Historical Data
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The historical data trend for Baker Boyer Bancorp's ROE % 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.
For the Banks - Regional subindustry, Baker Boyer Bancorp's ROE %, along with its competitors' market caps and ROE % 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.
Baker Boyer Bancorp ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Baker Boyer Bancorp's ROE % distribution charts can be found below:
* The bar in red indicates where Baker Boyer Bancorp's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Jun. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Baker Boyer Bancorp (BBBK) has a ROE % of 6.01% as of Jun. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Baker Boyer Bancorp and its competitors. This is 38% below median its historical median of 9.73. Over the past decade, Baker Boyer Bancorp's ROE % has ranged from 3.65 to 15.01. According to the industry distribution chart, Baker Boyer Bancorp ranks #1150 out of 1523 companies in the Banks industry, placing it in the top 75.5%.
Is Baker Boyer Bancorp's ROE % too high?
Baker Boyer Bancorp's current ROE % of 6.01% is 38% below median its 10-year median of 9.73. Over the past 10 years, this metric has ranged from a low of 3.65 to a high of 15.01. The Banks industry median ROE % is 10.35. Baker Boyer Bancorp's value of 6.01% is 41.9% below this industry median. Based on the distribution chart, Baker Boyer Bancorp ranks #1150 out of 1523 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Baker Boyer Bancorp has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Baker Boyer Bancorp's ROE % compare to CIBH and NIDB?
According to the Banks industry distribution chart, Baker Boyer Bancorp ranks #1150 out of 1523 companies for ROE %. This places Baker Boyer Bancorp in the lower half of its industry. The industry median ROE % is 10.35. Baker Boyer Bancorp's value of 6.01% is 41.9% below this benchmark. Historically, Baker Boyer Bancorp's own ROE % has ranged from 3.65 to 15.01 over the past decade. While the company's 10-year median is 9.73 vs. the industry median of 10.35, Baker Boyer Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for a Banks company?
The median ROE % among Banks companies is 10.35, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Baker Boyer Bancorp's current ROE % of 6.01% is 41.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Baker Boyer Bancorp and its competitors. For the Banks industry, the median ROE % is 10.35 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Baker Boyer Bancorp's current ROE % is 6.01%, which is 38% below median its own 10-year median of 9.73. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Baker Boyer Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Baker Boyer Bancorp (BBBK) is currently considered Fairly Valued. The stock's GF Value™ is $45.28, compared to a current price of $42.99 — trading 5.1% below its estimated fair value. The current ROE % is 6.01%, which is 38% below median its 10-year median of 9.73 and 41.9% below the Banks industry median of 10.35. Baker Boyer Bancorp's overall GF Score™ is 64/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Baker Boyer Bancorp (BBBK), the current ROE % is 6.01% as of Jun. 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 Baker Boyer Bancorp (BBBK) Overvalued in 2026?
Based on GuruFocus' analysis, Baker Boyer Bancorp stock appears to be undervalued.
The current stock price of $42.99 is trading 5.1% below its estimated GF Value™ of $45.28.
GuruFocus considers Baker Boyer Bancorp to be Fairly Valued.
Key valuation signals for BBBK:
ROE %: 6.01% (38% below median its 10-year median of 9.73)
GF Value™: $45.28 vs. price of $42.99 (5.1% below fair value)
Industry Position: 41.9% below the Banks median (#1150 of 1523)
No single metric tells the full story. See the BBBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Baker Boyer Bancorp and its wholly-owned subsidiary provide banking services predominantly to the greater Walla Walla, Columbia Valley, and Yakima area of south eastern Washington and north eastern Oregon. The company offers its services to individuals, small businesses, and the agricultural industry. The primary sources of revenue for the company are loans, investment securities, and wealth management services.
64GF Score
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