Huishang BankHHSSF 53 ROE % is 9.07% as of Dec. 2025, which is 18% below its 10-year median of 11.12. GuruFocus rates HHSSF with a GF Score™ of 53/100 and a GF Value™ of $0.23. The stock has 7 warning signs investors should review. Among 1,524 Banks companies, Huishang Bank ranks better than 50.26% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Huishang Bank's annualized net income for the quarter that ended in Dec. 2025 was $2,106 Mil. Huishang Bank's average Total Stockholders Equity over the quarter that ended in Dec. 2025 was $23,207 Mil. Therefore, Huishang Bank's annualized ROE % for the quarter that ended in Dec. 2025 was 9.07%.
The historical rank and industry rank for Huishang Bank's ROE % or its related term are showing as below:
HHSSF'
s ROE % Range Over the Past 10 Years
Min: 10.14 Med: 11.12 Max: 14.32
Current: 10.26
During the past 13 years, Huishang Bank's highest ROE % was 14.32%. The lowest was 10.14%. And the median was 11.12%.
HHSSF's ROE % is ranked better than 50.26% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs HHSSF: 10.26
Huishang Bank (OTCPK:HHSSF) 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.
Huishang Bank ROE % Related Terms
Huishang Bank ROE % Historical Data
* Premium members only.
The historical data trend for Huishang Bank'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, Huishang Bank'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.
Huishang Bank ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Huishang Bank's ROE % distribution charts can be found below:
* The bar in red indicates where Huishang Bank'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.
Huishang Bank (HHSSF) has a ROE % of 9.07% 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 Huishang Bank and its competitors. This is 18% below median its historical median of 11.12. Over the past decade, Huishang Bank's ROE % has ranged from 10.14 to 14.32. According to the industry distribution chart, Huishang Bank ranks #758 out of 1524 companies in the Banks industry, placing it in the top 49.7%.
Is Huishang Bank's ROE % too high?
Huishang Bank's current ROE % of 9.07% is 18% below median its 10-year median of 11.12. Over the past 10 years, this metric has ranged from a low of 10.14 to a high of 14.32. The Banks industry median ROE % is 10.22. Huishang Bank's value of 9.07% is 11.3% below this industry median. Based on the distribution chart, Huishang Bank ranks #758 out of 1524 companies in the Banks industry, which is above the industry midpoint. Overall, Huishang Bank has a GF Score™ of 53/100, reflecting its overall financial health beyond just this single metric.
How does Huishang Bank's ROE % compare to competitors?
According to the Banks industry distribution chart, Huishang Bank ranks #758 out of 1524 companies for ROE %. This puts Huishang Bank in the upper half of its industry. The industry median ROE % is 10.22. Huishang Bank's value of 9.07% is 11.3% below this benchmark. Historically, Huishang Bank's own ROE % has ranged from 10.14 to 14.32 over the past decade. While the company's 10-year median is 11.12 vs. the industry median of 10.22, Huishang Bank 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 10.22, 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. Huishang Bank's current ROE % of 9.07% is 11.3% 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 Huishang Bank and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Huishang Bank's current ROE % is 9.07%, which is 18% below median its own 10-year median of 11.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Huishang Bank stock overvalued right now?
Huishang Bank (HHSSF) has a current ROE % of 9.07%. The stock's GF Value™ is $0.23, compared to a current price of $0.42 — trading 81.1% above its estimated fair value. The current ROE % is 9.07%, which is 18% below median its 10-year median of 11.12 and 11.3% below the Banks industry median of 10.22. Huishang Bank's overall GF Score™ is 53/100 with 7 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 Huishang Bank (HHSSF), the current ROE % is 9.07% 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 Huishang Bank (HHSSF) Overvalued in 2026?
Based on GuruFocus' analysis, Huishang Bank stock appears to be overvalued.
The current stock price of $0.42 is trading 81.1% above its estimated GF Value™ of $0.23.
Key valuation signals for HHSSF:
ROE %: 9.07% (18% below median its 10-year median of 11.12)
GF Value™: $0.23 vs. price of $0.42 (81.1% above fair value)
Industry Position: 11.3% below the Banks median (#758 of 1524)
No single metric tells the full story. See the HHSSF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Huishang Bank Corp Ltd is a regional commercial bank in China. The company operates through four main business segments: corporate banking, retail banking, treasury, and others. The corporate banking segment provides financial services to corporate customers, government authorities, and financial institutions, such as current accounts, deposits, overdrafts, loans, and wealth management products. The retail banking segment provides services to retail customers, such as savings deposits, personal loans, and advances. The treasury segment provides securities investment and money market and repurchase transactions. The other segment includes investment holding and other miscellaneous activities. The company operates in Mainland China and earns the majority of its revenue in the Anhui Province.
53GF Score
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