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Benchmark BanksharesBMBN 65 ROE % is 16.38% as of Mar. 2026, which is 11% above its 10-year median of 14.76. GuruFocus rates BMBN with a GF Score™ of 65/100 and a GF Value™ of $32.35 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,524 Banks companies, Benchmark Bankshares ranks better than 86.09% 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 (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 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.
* 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, Benchmark Bankshares'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.
Benchmark Bankshares ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Benchmark Bankshares's ROE % distribution charts can be found below:
* The bar in red indicates where Benchmark Bankshares'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 (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Benchmark Bankshares (BMBN) has a ROE % of 16.38% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Benchmark Bankshares and its competitors. This is 11% above median its historical median of 14.76. Over the past decade, Benchmark Bankshares' ROE % has ranged from 13.08 to 17.99. According to the industry distribution chart, Benchmark Bankshares ranks #212 out of 1524 companies in the Banks industry, placing it in the top 13.9%.
Is Benchmark Bankshares' ROE % too high?
Benchmark Bankshares' current ROE % of 16.38% is 11% above median its 10-year median of 14.76. Over the past 10 years, this metric has ranged from a low of 13.08 to a high of 17.99. The Banks industry median ROE % is 10.33. Benchmark Bankshares' value of 16.38% is 58.6% above this industry median. Based on the distribution chart, Benchmark Bankshares ranks #212 out of 1524 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Benchmark Bankshares has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Benchmark Bankshares' ROE % compare to EBMT and LYBC?
According to the Banks industry distribution chart, Benchmark Bankshares ranks #212 out of 1524 companies for ROE %. This places Benchmark Bankshares in the top 14% of its industry — outperforming the majority of peers. The industry median ROE % is 10.33. Benchmark Bankshares' value of 16.38% is 58.6% above this benchmark. Historically, Benchmark Bankshares' own ROE % has ranged from 13.08 to 17.99 over the past decade. While the company's 10-year median is 14.76 vs. the industry median of 10.33, Benchmark Bankshares 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 10.33, based on 1,524 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. Benchmark Bankshares's current ROE % of 16.38% is 58.6% 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 Benchmark Bankshares and its competitors. For the Banks industry, the median ROE % is 10.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Benchmark Bankshares's current ROE % is 16.38%, which is 11% above median its own 10-year median of 14.76. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Benchmark Bankshares stock overvalued right now?
Based on GuruFocus' analysis, Benchmark Bankshares (BMBN) is currently considered Significantly Overvalued. The stock's GF Value™ is $32.35, compared to a current price of $43.00 — trading 32.9% above its estimated fair value. The current ROE % is 16.38%, which is 11% above median its 10-year median of 14.76 and 58.6% above the Banks industry median of 10.33. Benchmark Bankshares' overall GF Score™ is 65/100 with 5 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 Benchmark Bankshares (BMBN), the current ROE % is 16.38% 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 Benchmark Bankshares (BMBN) Overvalued in 2026?
Based on GuruFocus' analysis, Benchmark Bankshares stock appears to be overvalued.
The current stock price of $43.00 is trading 32.9% above its estimated GF Value™ of $32.35.
GuruFocus considers Benchmark Bankshares to be Significantly Overvalued.
Key valuation signals for BMBN:
ROE %: 16.38% (11% above median its 10-year median of 14.76)
GF Value™: $32.35 vs. price of $43.00 (32.9% above fair value)
Industry Position: 58.6% above the Banks median (#212 of 1524)
No single metric tells the full story. See the BMBN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Benchmark Bankshares Inc is a bank holding company for Benchmark Community Bank, which offers a wide range of banking and related financial services to individuals and small to medium-sized businesses through offices located in Virginia and North Carolina. The bank provides personal account services, business account services, loan products, internet banking services, mobile banking services, debit cards, money management services, mortgage services, credit card facilities, and other related services.
65GF Score
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