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The historical rank and industry rank for Greenville Federal Financial's ROE % or its related term are showing as below:
GVFF'
s ROE % Range Over the Past 10 Years
Min: -15.58 Med: 2 Max: 4.16
Current: 1.26
During the past 13 years, Greenville Federal Financial's highest ROE % was 4.16%. The lowest was -15.58%. And the median was 2.00%.
GVFF's ROE % is ranked worse than 93.51% of 1525
companies
in the Banks industry
Industry Median: 10.31
vs GVFF: 1.26
Greenville Federal Financial (OTCPK:GVFF) 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.
Greenville Federal Financial ROE % Related Terms
Greenville Federal Financial 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, Greenville Federal Financial'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.
Greenville Federal Financial ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Greenville Federal Financial's ROE % distribution charts can be found below:
* The bar in red indicates where Greenville Federal Financial'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.
Greenville Federal Financial (GVFF) has a ROE % of 1.96% 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 Greenville Federal Financial and its competitors. This is near median its historical median of 2.00. According to the industry distribution chart, Greenville Federal Financial ranks #1426 out of 1525 companies in the Banks industry, placing it in the top 93.5%.
Is Greenville Federal Financial's ROE % too high?
Greenville Federal Financial's current ROE % of 1.96% is near median its 10-year median of 2.00. The Banks industry median ROE % is 10.31. Greenville Federal Financial's value of 1.96% is 81% below this industry median. Based on the distribution chart, Greenville Federal Financial ranks #1426 out of 1525 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Greenville Federal Financial has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Greenville Federal Financial's ROE % compare to GLBZ and FNFI?
According to the Banks industry distribution chart, Greenville Federal Financial ranks #1426 out of 1525 companies for ROE %. This places Greenville Federal Financial in the lower half of its industry. The industry median ROE % is 10.31. Greenville Federal Financial's value of 1.96% is 81% below this benchmark. While the company's 10-year median is 2.00 vs. the industry median of 10.31, Greenville Federal Financial 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 10.31, 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. Greenville Federal Financial's current ROE % of 1.96% is 81% 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 Greenville Federal Financial 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. Greenville Federal Financial's current ROE % is 1.96%, which is near median its own 10-year median of 2.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Greenville Federal Financial stock overvalued right now?
Based on GuruFocus' analysis, Greenville Federal Financial (GVFF) is currently considered Fairly Valued. The stock's GF Value™ is $7.74, compared to a current price of $7.34 — trading 5.2% below its estimated fair value. The current ROE % is 1.96%, which is near median its 10-year median of 2.00 and 81% below the Banks industry median of 10.31. Greenville Federal Financial's overall GF Score™ is 65/100 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 Greenville Federal Financial (GVFF), the current ROE % is 1.96% 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 Greenville Federal Financial (GVFF) Overvalued in 2026?
Based on GuruFocus' analysis, Greenville Federal Financial stock appears to be undervalued.
The current stock price of $7.34 is trading 5.2% below its estimated GF Value™ of $7.74.
GuruFocus considers Greenville Federal Financial to be Fairly Valued.
Key valuation signals for GVFF:
ROE %: 1.96% (near median its 10-year median of 2.00)
GF Value™: $7.74 vs. price of $7.34 (5.2% below fair value)
Industry Position: 81% below the Banks median (#1426 of 1525)
No single metric tells the full story. See the GVFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Greenville Federal Financial Corporation is engaged in providing financial services. Its primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are residential mortgage, commercial, commercial real estate and consumer loans. It offers services through its main and branch offices in Greenville, Ohio, and branch offices in Troy, Ohio, and Tipp City, Ohio.
65GF Score
Get the complete analysis for GVFF
ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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