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Killbuck BancsharesKLIB 70 ROE % is 14.14% as of Dec. 2025, which is 35% above its 10-year median of 10.44. GuruFocus rates KLIB with a GF Score™ of 70/100 and a GF Value™ of $162.46 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,524 Banks companies, Killbuck Bancshares ranks better than 75.72% on this metric.
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.
Killbuck Bancshares ROE % Related Terms
Killbuck Bancshares ROE % Historical Data
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The historical data trend for Killbuck Bancshares'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, Killbuck Bancshares'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.
Killbuck Bancshares ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Killbuck Bancshares's ROE % distribution charts can be found below:
* The bar in red indicates where Killbuck Bancshares'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.
Killbuck Bancshares (KLIB) has a ROE % of 14.14% 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 Killbuck Bancshares and its competitors. This is 35% above median its historical median of 10.44. Over the past decade, Killbuck Bancshares' ROE % has ranged from 6.47 to 16.37. According to the industry distribution chart, Killbuck Bancshares ranks #370 out of 1524 companies in the Banks industry, placing it in the top 24.3%.
Is Killbuck Bancshares' ROE % too high?
Killbuck Bancshares' current ROE % of 14.14% is 35% above median its 10-year median of 10.44. Over the past 10 years, this metric has ranged from a low of 6.47 to a high of 16.37. The Banks industry median ROE % is 10.32. Killbuck Bancshares' value of 14.14% is 37% above this industry median. Based on the distribution chart, Killbuck Bancshares ranks #370 out of 1524 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Killbuck Bancshares has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Killbuck Bancshares' ROE % compare to IBTN and SOBS?
According to the Banks industry distribution chart, Killbuck Bancshares ranks #370 out of 1524 companies for ROE %. This places Killbuck Bancshares in the top 24% of its industry — outperforming the majority of peers. The industry median ROE % is 10.32. Killbuck Bancshares' value of 14.14% is 37% above this benchmark. Historically, Killbuck Bancshares' own ROE % has ranged from 6.47 to 16.37 over the past decade. While the company's 10-year median is 10.44 vs. the industry median of 10.32, Killbuck Bancshares 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 10.32, 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. Killbuck Bancshares's current ROE % of 14.14% is 37% 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 Killbuck Bancshares and its competitors. For the Banks industry, the median ROE % is 10.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Killbuck Bancshares's current ROE % is 14.14%, which is 35% above median its own 10-year median of 10.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Killbuck Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Killbuck Bancshares (KLIB) is currently considered Fairly Valued. The stock's GF Value™ is $162.46, compared to a current price of $162.00 — trading 0.3% below its estimated fair value. The current ROE % is 14.14%, which is 35% above median its 10-year median of 10.44 and 37% above the Banks industry median of 10.32. Killbuck Bancshares' overall GF Score™ is 70/100 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 Killbuck Bancshares (KLIB), the current ROE % is 14.14% 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 Killbuck Bancshares (KLIB) Overvalued in 2026?
Based on GuruFocus' analysis, Killbuck Bancshares stock appears to be undervalued.
The current stock price of $162.00 is trading 0.3% below its estimated GF Value™ of $162.46.
GuruFocus considers Killbuck Bancshares to be Fairly Valued.
Key valuation signals for KLIB:
ROE %: 14.14% (35% above median its 10-year median of 10.44)
GF Value™: $162.46 vs. price of $162.00 (0.3% below fair value)
Industry Position: 37% above the Banks median (#370 of 1524)
No single metric tells the full story. See the KLIB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Killbuck Bancshares Inc operates as a bank holding company. Through its banking subsidiary, it provides customary retail and commercial banking services to its customers, including checking, savings, and time deposit accounts, Health Savings Accounts (HSA), internet banking, bill payment, and safe deposit facilities, as well as a full complement of real estate, commercial, and consumer loan products. These services are offered through a network of branch offices located in Killbuck, Berlin, Mt. Hope, Millersburg, Sugarcreek, Fredericksburg, Danville, Kidron, Wooster, and Apple Valley, Holmes, Knox, Wayne, and Tuscarawas counties. The Group has one reportable segment consisting of Community Banking.
70GF Score
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