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EWSB BancorpEWSB 6 ROE % is -11.15% as of Mar. 2026. GuruFocus rates EWSB with a GF Score™ of 6/100. The stock has 3 warning signs investors should review. Among 1,525 Banks companies, EWSB Bancorp ranks worse than 99.28% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. EWSB Bancorp's annualized net income for the quarter that ended in Mar. 2026 was $-1.46 Mil. EWSB Bancorp's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was $13.10 Mil. Therefore, EWSB Bancorp's annualized ROE % for the quarter that ended in Mar. 2026 was -11.15%.
The historical rank and industry rank for EWSB Bancorp's ROE % or its related term are showing as below:
EWSB'
s ROE % Range Over the Past 10 Years
Min: -28.96 Med: -12.52 Max: -8.1
Current: -28.2
During the past 3 years, EWSB Bancorp's highest ROE % was -8.10%. The lowest was -28.96%. And the median was -12.52%.
EWSB's ROE % is ranked worse than 99.28% of 1525
companies
in the Banks industry
Industry Median: 10.31
vs EWSB: -28.20
EWSB Bancorp (OTCPK:EWSB) 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 (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.
EWSB Bancorp ROE % Related Terms
EWSB Bancorp ROE % Historical Data
* Premium members only.
The historical data trend for EWSB 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, EWSB 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.
EWSB Bancorp ROE % vs Banks Industry
For the Banks industry and Financial Services sector, EWSB Bancorp's ROE % distribution charts can be found below:
* The bar in red indicates where EWSB 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 (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
EWSB Bancorp (EWSB) has a ROE % of -11.15% 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 EWSB Bancorp and its competitors. According to the industry distribution chart, EWSB Bancorp ranks #1514 out of 1525 companies in the Banks industry, placing it in the top 99.3%.
Is EWSB Bancorp's ROE % too high?
EWSB Bancorp's current ROE % is -11.15%. Based on the distribution chart, EWSB Bancorp ranks #1514 out of 1525 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, EWSB Bancorp has a GF Score™ of 6/100, reflecting its overall financial health beyond just this single metric.
How does EWSB Bancorp's ROE % compare to CARV and MFBI?
According to the Banks industry distribution chart, EWSB Bancorp ranks #1514 out of 1525 companies for ROE %. This places EWSB Bancorp in the lower half of its industry. The industry median ROE % is 10.31. 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 10.31, based on 1,525 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. 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 EWSB Bancorp and its competitors. For the Banks industry, the median ROE % is 10.31 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EWSB Bancorp's current ROE % is -11.15%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is EWSB Bancorp stock overvalued right now?
EWSB Bancorp (EWSB) has a current ROE % of -11.15%. The current ROE % is -11.15%. EWSB Bancorp's overall GF Score™ is 6/100 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 EWSB Bancorp (EWSB), the current ROE % is -11.15% 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.
EWSB Bancorp Inc is a stock savings bank in the United States. Its business consists of taking deposits from the general public and investing those deposits, together with funds generated from operations, in one- to four-family residential real estate loans, as well as marine and recreational vehicle loans, home equity loans and lines of credit, and other consumer loans. The group provides Personal Banking, Business Banking, Mortgages & Personal Loans, Investment & Insurance Services, and Digital Tools.
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