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Community Bancorp Ofnta MariaCYSM +1.23%54 ROE % is 11.27% as of Jun. 2026, which is 6% above its 10-year median of 10.64. GuruFocus rates CYSM with a GF Score™ of 54/100 and a GF Value™ of $13.11 (Significantly Overvalued). Among 1,524 Banks companies, Community Bancorp Ofnta Maria ranks better than 59.45% on this metric.
Community Bancorp Ofnta Maria (OTCPK:CYSM) 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 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.
Community Bancorp Ofnta Maria ROE % Related Terms
Community Bancorp Ofnta Maria ROE % Historical Data
* 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, Community Bancorp Ofnta Maria'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.
Community Bancorp Ofnta Maria ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Community Bancorp Ofnta Maria's ROE % distribution charts can be found below:
* The bar in red indicates where Community Bancorp Ofnta Maria'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.
Community Bancorp Ofnta Maria (CYSM) has a ROE % of 11.27% 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 Community Bancorp Ofnta Maria and its competitors. This is near median its historical median of 10.64. Over the past decade, Community Bancorp Ofnta Maria's ROE % has ranged from 5.73 to 15.23. According to the industry distribution chart, Community Bancorp Ofnta Maria ranks #618 out of 1524 companies in the Banks industry, placing it in the top 40.6%.
Is Community Bancorp Ofnta Maria's ROE % too high?
Community Bancorp Ofnta Maria's current ROE % of 11.27% is near median its 10-year median of 10.64. Over the past 10 years, this metric has ranged from a low of 5.73 to a high of 15.23. The Banks industry median ROE % is 10.33. Community Bancorp Ofnta Maria's value of 11.27% is 9.1% above this industry median. Based on the distribution chart, Community Bancorp Ofnta Maria ranks #618 out of 1524 companies in the Banks industry, which is above the industry midpoint. Overall, Community Bancorp Ofnta Maria has a GF Score™ of 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Community Bancorp Ofnta Maria's ROE % compare to SOUB and TMAK?
According to the Banks industry distribution chart, Community Bancorp Ofnta Maria ranks #618 out of 1524 companies for ROE %. This puts Community Bancorp Ofnta Maria in the upper half of its industry. The industry median ROE % is 10.33. Community Bancorp Ofnta Maria's value of 11.27% is 9.1% above this benchmark. Historically, Community Bancorp Ofnta Maria's own ROE % has ranged from 5.73 to 15.23 over the past decade. While the company's 10-year median is 10.64 vs. the industry median of 10.33, Community Bancorp Ofnta Maria 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. Community Bancorp Ofnta Maria's current ROE % of 11.27% is 9.1% 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 Community Bancorp Ofnta Maria 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. Community Bancorp Ofnta Maria's current ROE % is 11.27%, which is near median its own 10-year median of 10.64. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Community Bancorp Ofnta Maria stock overvalued right now?
Based on GuruFocus' analysis, Community Bancorp Ofnta Maria (CYSM) is currently considered Significantly Overvalued. The stock's GF Value™ is $13.11, compared to a current price of $20.55 — trading 56.8% above its estimated fair value. The current ROE % is 11.27%, which is near median its 10-year median of 10.64 and 9.1% above the Banks industry median of 10.33. Community Bancorp Ofnta Maria's overall GF Score™ is 54/100. 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 Community Bancorp Ofnta Maria (CYSM), the current ROE % is 11.27% 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 Community Bancorp Ofnta Maria (CYSM) Overvalued in 2026?
Based on GuruFocus' analysis, Community Bancorp Ofnta Maria stock appears to be overvalued.
The current stock price of $20.55 is trading 56.8% above its estimated GF Value™ of $13.11.
GuruFocus considers Community Bancorp Ofnta Maria to be Significantly Overvalued.
Key valuation signals for CYSM:
ROE %: 11.27% (near median its 10-year median of 10.64)
GF Value™: $13.11 vs. price of $20.55 (56.8% above fair value)
Industry Position: 9.1% above the Banks median (#618 of 1524)
No single metric tells the full story. See the CYSM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Community Bancorp Of Santa Maria Community Bancorp of Santa Maria is the holding company for Community Bank of Santa Maria. The bank provides banking products and services. It offers a full range of commercial and personal banking services to businesses and residents of Santa Maria and the surrounding areas. Community Bancorp has been organized as a single operating segment. Its primary source of revenue is providing loans to customers, who are predominantly small and middle-market businesses and individuals.
54GF Score
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