Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
BEO Bancorp ORBEOB 72 ROE % is 18.29% as of Dec. 2025, which is 6% above its 10-year median of 17.30. GuruFocus rates BEOB with a GF Score™ of 72/100 and a GF Value™ of $48.11 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,518 Banks companies, BEO Bancorp OR ranks better than 89.2% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. BEO Bancorp OR's annualized net income for the quarter that ended in Dec. 2025 was $16.19 Mil. BEO Bancorp OR's average Total Stockholders Equity over the quarter that ended in Dec. 2025 was $88.51 Mil. Therefore, BEO Bancorp OR's annualized ROE % for the quarter that ended in Dec. 2025 was 18.29%.
The historical rank and industry rank for BEO Bancorp OR's ROE % or its related term are showing as below:
BEOB'
s ROE % Range Over the Past 10 Years
Min: 11.85 Med: 17.3 Max: 25.02
Current: 18.29
During the past 11 years, BEO Bancorp OR's highest ROE % was 25.02%. The lowest was 11.85%. And the median was 17.30%.
BEOB's ROE % is ranked better than 89.2% of 1518
companies
in the Banks industry
Industry Median: 10.48
vs BEOB: 18.29
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 one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the annual (Dec. 2025) 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.
BEO Bancorp OR ROE % Related Terms
BEO Bancorp OR ROE % Historical Data
* Premium members only.
The historical data trend for BEO Bancorp OR'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, BEO Bancorp OR'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.
BEO Bancorp OR ROE % vs Banks Industry
For the Banks industry and Financial Services sector, BEO Bancorp OR's ROE % distribution charts can be found below:
* The bar in red indicates where BEO Bancorp OR'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 one times the annual (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
BEO Bancorp OR (BEOB) has a ROE % of 18.29% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on BEO Bancorp OR and its competitors. This is near median its historical median of 17.30. Over the past decade, BEO Bancorp OR's ROE % has ranged from 11.85 to 25.02. According to the industry distribution chart, BEO Bancorp OR ranks #164 out of 1518 companies in the Banks industry, placing it in the top 10.8%.
Is BEO Bancorp OR's ROE % too high?
BEO Bancorp OR's current ROE % of 18.29% is near median its 10-year median of 17.30. Over the past 10 years, this metric has ranged from a low of 11.85 to a high of 25.02. The Banks industry median ROE % is 10.48. BEO Bancorp OR's value of 18.29% is 74.5% above this industry median. Based on the distribution chart, BEO Bancorp OR ranks #164 out of 1518 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, BEO Bancorp OR has a GF Score™ of 72/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BEO Bancorp OR's ROE % compare to ENBP and NODB?
According to the Banks industry distribution chart, BEO Bancorp OR ranks #164 out of 1518 companies for ROE %. This places BEO Bancorp OR in the top 11% of its industry — outperforming the majority of peers. The industry median ROE % is 10.48. BEO Bancorp OR's value of 18.29% is 74.5% above this benchmark. Historically, BEO Bancorp OR's own ROE % has ranged from 11.85 to 25.02 over the past decade. While the company's 10-year median is 17.30 vs. the industry median of 10.48, BEO Bancorp OR has consistently been above 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 10.48, based on 1,518 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. BEO Bancorp OR's current ROE % of 18.29% is 74.5% above 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 BEO Bancorp OR and its competitors. For the Banks industry, the median ROE % is 10.48 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BEO Bancorp OR's current ROE % is 18.29%, which is near median its own 10-year median of 17.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BEO Bancorp OR stock overvalued right now?
Based on GuruFocus' analysis, BEO Bancorp OR (BEOB) is currently considered Significantly Overvalued. The stock's GF Value™ is $48.11, compared to a current price of $64.49 — trading 34% above its estimated fair value. The current ROE % is 18.29%, which is near median its 10-year median of 17.30 and 74.5% above the Banks industry median of 10.48. BEO Bancorp OR's overall GF Score™ is 72/100 with 1 warning sign 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 BEO Bancorp OR (BEOB), the current ROE % is 18.29% 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 BEO Bancorp OR (BEOB) Overvalued in 2026?
Based on GuruFocus' analysis, BEO Bancorp OR stock appears to be overvalued.
The current stock price of $64.49 is trading 34% above its estimated GF Value™ of $48.11.
GuruFocus considers BEO Bancorp OR to be Significantly Overvalued.
Key valuation signals for BEOB:
ROE %: 18.29% (near median its 10-year median of 17.30)
GF Value™: $48.11 vs. price of $64.49 (34% above fair value)
Industry Position: 74.5% above the Banks median (#164 of 1518)
No single metric tells the full story. See the BEOB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BEO Bancorp OR provides commercial and consumer financing, banking, and mortgage lending, and other services in Northeastern Oregon and Southeastern Washington. Its activities include the usual lending and deposit functions of a commercial bank: commercial, agricultural, real estate, installment, credit card, and mortgage loans; checking, money market, time deposit, and savings accounts; internet banking and bill payment; automated teller machines and safe deposit facilities. Additionally, the Bank originates and sells mortgage loans into the secondary market.
72GF Score
Get the complete analysis for BEOB
ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BEOB has been successfully added to your 
