Jbt BancorpJBTC 65 ROE % is 13.81% as of Mar. 2026, which is 39% above its 10-year median of 9.97. GuruFocus rates JBTC with a GF Score™ of 65/100 and a GF Value™ of $32.25 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,524 Banks companies, Jbt Bancorp ranks better than 70.6% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Jbt Bancorp's annualized net income for the quarter that ended in Mar. 2026 was $12.63 Mil. Jbt Bancorp's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was $91.46 Mil. Therefore, Jbt Bancorp's annualized ROE % for the quarter that ended in Mar. 2026 was 13.81%.
The historical rank and industry rank for Jbt Bancorp's ROE % or its related term are showing as below:
JBTC'
s ROE % Range Over the Past 10 Years
Min: 8.44 Med: 9.97 Max: 13.1
Current: 13.1
During the past 7 years, Jbt Bancorp's highest ROE % was 13.10%. The lowest was 8.44%. And the median was 9.97%.
JBTC's ROE % is ranked better than 70.6% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs JBTC: 13.10
Jbt Bancorp (OTCPK:JBTC) 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.
Jbt Bancorp ROE % Related Terms
Jbt Bancorp ROE % Historical Data
* Premium members only.
The historical data trend for Jbt 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, Jbt 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.
Jbt Bancorp ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Jbt Bancorp's ROE % distribution charts can be found below:
* The bar in red indicates where Jbt 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.
Jbt Bancorp (JBTC) has a ROE % of 13.81% 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 Jbt Bancorp and its competitors. This is 39% above median its historical median of 9.97. Over the past decade, Jbt Bancorp's ROE % has ranged from 8.44 to 13.10. According to the industry distribution chart, Jbt Bancorp ranks #448 out of 1524 companies in the Banks industry, placing it in the top 29.4%.
Is Jbt Bancorp's ROE % too high?
Jbt Bancorp's current ROE % of 13.81% is 39% above median its 10-year median of 9.97. Over the past 10 years, this metric has ranged from a low of 8.44 to a high of 13.10. The Banks industry median ROE % is 10.22. Jbt Bancorp's value of 13.81% is 35.1% above this industry median. Based on the distribution chart, Jbt Bancorp ranks #448 out of 1524 companies in the Banks industry, which is above the industry midpoint. Overall, Jbt Bancorp has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Jbt Bancorp's ROE % compare to FABP and FNWB?
According to the Banks industry distribution chart, Jbt Bancorp ranks #448 out of 1524 companies for ROE %. This puts Jbt Bancorp in the upper half of its industry. The industry median ROE % is 10.22. Jbt Bancorp's value of 13.81% is 35.1% above this benchmark. Historically, Jbt Bancorp's own ROE % has ranged from 8.44 to 13.10 over the past decade. While the company's 10-year median is 9.97 vs. the industry median of 10.22, Jbt Bancorp 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 10.22, 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. Jbt Bancorp's current ROE % of 13.81% is 35.1% 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 Jbt Bancorp 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. Jbt Bancorp's current ROE % is 13.81%, which is 39% above median its own 10-year median of 9.97. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jbt Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Jbt Bancorp (JBTC) is currently considered Modestly Overvalued. The stock's GF Value™ is $32.25, compared to a current price of $37.64 — trading 16.7% above its estimated fair value. The current ROE % is 13.81%, which is 39% above median its 10-year median of 9.97 and 35.1% above the Banks industry median of 10.22. Jbt Bancorp's overall GF Score™ is 65/100 with 5 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 Jbt Bancorp (JBTC), the current ROE % is 13.81% 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 Jbt Bancorp (JBTC) Overvalued in 2026?
Based on GuruFocus' analysis, Jbt Bancorp stock appears to be overvalued.
The current stock price of $37.64 is trading 16.7% above its estimated GF Value™ of $32.25.
GuruFocus considers Jbt Bancorp to be Modestly Overvalued.
Key valuation signals for JBTC:
ROE %: 13.81% (39% above median its 10-year median of 9.97)
GF Value™: $32.25 vs. price of $37.64 (16.7% above fair value)
Industry Position: 35.1% above the Banks median (#448 of 1524)
No single metric tells the full story. See the JBTC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Jbt Bancorp Inc operates under a state bank charter and provides full banking services, including trust services. The company's deposit products are checking, savings, and term certificate accounts, and its lending products are residential mortgage, commercial, and installment loans. Substantially all loans are secured by specific items of collateral, including business assets, consumer assets, and commercial and residential real estate. Commercial loans are expected to be repaid from the cash flow from the operations of businesses. It offers personal banking, business banking, and digital and mobile banking. Further, it is also involved in investment, trust, and retirement-related activities. It operates in the Community Banking Segment.
65GF Score
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