Hamlin Bank and Trust CoHMLN 71 ROE % is 7.39% as of Dec. 2025, which is 5% below its 10-year median of 7.77. GuruFocus rates HMLN with a GF Score™ of 71/100 and a GF Value™ of $273.02 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,527 Banks companies, Hamlin Bank and Trust Co ranks worse than 69.74% on this metric.
The historical rank and industry rank for Hamlin Bank and Trust Co's ROE % or its related term are showing as below:
HMLN'
s ROE % Range Over the Past 10 Years
Min: -0.52 Med: 7.77 Max: 12.91
Current: 7.39
During the past 12 years, Hamlin Bank and Trust Co's highest ROE % was 12.91%. The lowest was -0.52%. And the median was 7.77%.
HMLN's ROE % is ranked worse than 69.74% of 1527
companies
in the Banks industry
Industry Median: 10.23
vs HMLN: 7.39
Hamlin Bank and Trust Co (OTCPK:HMLN) 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 one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the 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, Hamlin Bank and Trust 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.
Hamlin Bank and Trust Co ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Hamlin Bank and Trust Co's ROE % distribution charts can be found below:
* The bar in red indicates where Hamlin Bank and Trust 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 one times the annual (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
Hamlin Bank and Trust Co (HMLN) has a ROE % of 7.39% 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 Hamlin Bank and Trust Co and its competitors. This is near median its historical median of 7.77. According to the industry distribution chart, Hamlin Bank and Trust Co ranks #1065 out of 1527 companies in the Banks industry, placing it in the top 69.7%.
Is Hamlin Bank and Trust Co's ROE % too high?
Hamlin Bank and Trust Co's current ROE % of 7.39% is near median its 10-year median of 7.77. The Banks industry median ROE % is 10.23. Hamlin Bank and Trust Co's value of 7.39% is 27.8% below this industry median. Based on the distribution chart, Hamlin Bank and Trust Co ranks #1065 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, Hamlin Bank and Trust Co has a GF Score™ of 71/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Hamlin Bank and Trust Co's ROE % compare to SOBS and BKOR?
According to the Banks industry distribution chart, Hamlin Bank and Trust Co ranks #1065 out of 1527 companies for ROE %. This places Hamlin Bank and Trust Co in the lower half of its industry. The industry median ROE % is 10.23. Hamlin Bank and Trust Co's value of 7.39% is 27.8% below this benchmark. While the company's 10-year median is 7.77 vs. the industry median of 10.23, Hamlin Bank and Trust 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 10.23, based on 1,527 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. Hamlin Bank and Trust Co's current ROE % of 7.39% is 27.8% 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 Hamlin Bank and Trust Co and its competitors. For the Banks industry, the median ROE % is 10.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hamlin Bank and Trust Co's current ROE % is 7.39%, which is near median its own 10-year median of 7.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hamlin Bank and Trust Co stock overvalued right now?
Based on GuruFocus' analysis, Hamlin Bank and Trust Co (HMLN) is currently considered Modestly Undervalued. The stock's GF Value™ is $273.02, compared to a current price of $240.00 — trading 12.1% below its estimated fair value. The current ROE % is 7.39%, which is near median its 10-year median of 7.77 and 27.8% below the Banks industry median of 10.23. Hamlin Bank and Trust Co's overall GF Score™ is 71/100 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 Hamlin Bank and Trust Co (HMLN), the current ROE % is 7.39% 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 Hamlin Bank and Trust Co (HMLN) Overvalued in 2026?
Based on GuruFocus' analysis, Hamlin Bank and Trust Co stock appears to be undervalued.
The current stock price of $240.00 is trading 12.1% below its estimated GF Value™ of $273.02.
GuruFocus considers Hamlin Bank and Trust Co to be Modestly Undervalued.
Key valuation signals for HMLN:
ROE %: 7.39% (near median its 10-year median of 7.77)
GF Value™: $273.02 vs. price of $240.00 (12.1% below fair value)
Industry Position: 27.8% below the Banks median (#1065 of 1527)
No single metric tells the full story. See the HMLN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hamlin Bank and Trust Co are a United States-based state charted commercial bank. It offers a variety of financial and trust services. The company provides services such as personal banking services, business banking services, trust services, and other banking services. The Banks principal sources of revenue emanate from its portfolio of residential real estate, commercial mortgage, commercial, and consumer loans, as well as interest on investment securities and a variety of deposit and trust services provided to its customers.
71GF Score
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