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MBH Mortgage Bank CoBUD:MBHJB 21 ROE % is 6.10% as of Dec. 2025, which is 52% above its 10-year median of 4.01. GuruFocus rates BUD:MBHJB with a GF Score™ of 21/100 and a GF Value™ of Ft1,114.33 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 1,523 Banks companies, MBH Mortgage Bank Co ranks worse than 53.45% on this metric.
MBH Mortgage Bank Co (BUD:MBHJB) ROE % Explanation
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 two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-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.
* 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, MBH Mortgage Bank Co'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.
MBH Mortgage Bank Co ROE % vs Banks Industry
For the Banks industry and Financial Services sector, MBH Mortgage Bank Co's ROE % distribution charts can be found below:
* The bar in red indicates where MBH Mortgage Bank Co'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 two times the semi-annual (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
MBH Mortgage Bank Co (BUD:MBHJB) has a ROE % of 6.10% 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 MBH Mortgage Bank Co and its competitors. This is 52% above median its historical median of 4.01. According to the industry distribution chart, MBH Mortgage Bank Co ranks #814 out of 1523 companies in the Banks industry, placing it in the top 53.4%.
Is MBH Mortgage Bank Co's ROE % too high?
MBH Mortgage Bank Co's current ROE % of 6.10% is 52% above median its 10-year median of 4.01. The Banks industry median ROE % is 10.35. MBH Mortgage Bank Co's value of 6.10% is 41.1% below this industry median. Based on the distribution chart, MBH Mortgage Bank Co ranks #814 out of 1523 companies in the Banks industry, which is below the industry midpoint. Overall, MBH Mortgage Bank Co has a GF Score™ of 21/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does MBH Mortgage Bank Co's ROE % compare to PNC and USB?
According to the Banks industry distribution chart, MBH Mortgage Bank Co ranks #814 out of 1523 companies for ROE %. This places MBH Mortgage Bank Co in the lower half of its industry. The industry median ROE % is 10.35. MBH Mortgage Bank Co's value of 6.10% is 41.1% below this benchmark. While the company's 10-year median is 4.01 vs. the industry median of 10.35, MBH Mortgage Bank Co 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. MBH Mortgage Bank Co's current ROE % of 6.10% is 41.1% 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 MBH Mortgage Bank Co 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. MBH Mortgage Bank Co's current ROE % is 6.10%, which is 52% above median its own 10-year median of 4.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MBH Mortgage Bank Co stock overvalued right now?
Based on GuruFocus' analysis, MBH Mortgage Bank Co (BUD:MBHJB) is currently considered Significantly Undervalued. The stock's GF Value™ is Ft1,114.33, compared to a current price of Ft496.00 — trading 55.5% below its estimated fair value. The current ROE % is 6.10%, which is 52% above median its 10-year median of 4.01 and 41.1% below the Banks industry median of 10.35. MBH Mortgage Bank Co's overall GF Score™ is 21/100 with 2 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 MBH Mortgage Bank Co (BUD:MBHJB), the current ROE % is 6.10% 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 MBH Mortgage Bank Co (BUD:MBHJB) Overvalued in 2026?
Based on GuruFocus' analysis, MBH Mortgage Bank Co stock appears to be undervalued.
The current stock price of Ft496.00 is trading 55.5% below its estimated GF Value™ of Ft1,114.33.
GuruFocus considers MBH Mortgage Bank Co to be Significantly Undervalued.
Key valuation signals for BUD:MBHJB:
ROE %: 6.10% (52% above median its 10-year median of 4.01)
GF Value™: Ft1,114.33 vs. price of Ft496.00 (55.5% below fair value)
Industry Position: 41.1% below the Banks median (#814 of 1523)
No single metric tells the full story. See the BUD:MBHJB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
MBH Mortgage Bank Co PLC provides mortgage banking services. The business activities of the group function through various segments such as Retail, Wholesale, Loans, and advances to customers. It derives the majority of its revenue from the Retail segment, which offers a wide range of services such as retail bank accounts, deposits, savings, loans, and others to its retail customers. The company also focuses on the financial needs of corporate customers and offers corporate accounts, deposits, loans, and other services. In addition, it also focuses on liquidity management, asset and liability management, and security issues. Geographically, it operates in Hungary.
21GF Score
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