Morris State BancsharesMBLU 49 ROE % is 18.24% as of Dec. 2025, which is 32% above its 10-year median of 13.78. GuruFocus rates MBLU with a GF Score™ of 49/100 and a GF Value™ of $24.47. The stock has 2 warning signs investors should review. Among 1,523 Banks companies, Morris State Bancshares ranks better than 70.32% on this metric.
The historical rank and industry rank for Morris State Bancshares's ROE % or its related term are showing as below:
MBLU'
s ROE % Range Over the Past 10 Years
Min: 11.27 Med: 13.78 Max: 18.53
Current: 13.03
During the past 9 years, Morris State Bancshares's highest ROE % was 18.53%. The lowest was 11.27%. And the median was 13.78%.
MBLU's ROE % is ranked better than 70.32% of 1523
companies
in the Banks industry
Industry Median: 10.22
vs MBLU: 13.03
Morris State Bancshares (OTCPK:MBLU) 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 (Dec. 2025) net income data. The Revenue data used here is four times the quarterly (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, Morris State 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.
Morris State Bancshares ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Morris State Bancshares's ROE % distribution charts can be found below:
* The bar in red indicates where Morris State 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 four times the quarterly (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
Morris State Bancshares (MBLU) has a ROE % of 18.24% 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 Morris State Bancshares and its competitors. This is 32% above median its historical median of 13.78. Over the past decade, Morris State Bancshares' ROE % has ranged from 11.27 to 18.53. According to the industry distribution chart, Morris State Bancshares ranks #452 out of 1523 companies in the Banks industry, placing it in the top 29.7%.
Is Morris State Bancshares' ROE % too high?
Morris State Bancshares' current ROE % of 18.24% is 32% above median its 10-year median of 13.78. Over the past 10 years, this metric has ranged from a low of 11.27 to a high of 18.53. The Banks industry median ROE % is 10.22. Morris State Bancshares' value of 18.24% is 78.5% above this industry median. Based on the distribution chart, Morris State Bancshares ranks #452 out of 1523 companies in the Banks industry, which is above the industry midpoint. Overall, Morris State Bancshares has a GF Score™ of 49/100, reflecting its overall financial health beyond just this single metric.
How does Morris State Bancshares' ROE % compare to MSBC and FVCB?
According to the Banks industry distribution chart, Morris State Bancshares ranks #452 out of 1523 companies for ROE %. This puts Morris State Bancshares in the upper half of its industry. The industry median ROE % is 10.22. Morris State Bancshares' value of 18.24% is 78.5% above this benchmark. Historically, Morris State Bancshares' own ROE % has ranged from 11.27 to 18.53 over the past decade. While the company's 10-year median is 13.78 vs. the industry median of 10.22, Morris State 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 10.22, based on 1,523 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. Morris State Bancshares's current ROE % of 18.24% is 78.5% 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 Morris State Bancshares 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. Morris State Bancshares's current ROE % is 18.24%, which is 32% above median its own 10-year median of 13.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Morris State Bancshares stock overvalued right now?
Morris State Bancshares (MBLU) has a current ROE % of 18.24%. The stock's GF Value™ is $24.47, compared to a current price of $25.00 — trading 2.2% above its estimated fair value. The current ROE % is 18.24%, which is 32% above median its 10-year median of 13.78 and 78.5% above the Banks industry median of 10.22. Morris State Bancshares' overall GF Score™ is 49/100 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 Morris State Bancshares (MBLU), the current ROE % is 18.24% 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 Morris State Bancshares (MBLU) Overvalued in 2026?
Based on GuruFocus' analysis, Morris State Bancshares stock appears to be overvalued.
The current stock price of $25.00 is trading 2.2% above its estimated GF Value™ of $24.47.
Key valuation signals for MBLU:
ROE %: 18.24% (32% above median its 10-year median of 13.78)
GF Value™: $24.47 vs. price of $25.00 (2.2% above fair value)
Industry Position: 78.5% above the Banks median (#452 of 1523)
No single metric tells the full story. See the MBLU stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Morris State Bancshares Inc operates as a bank. It provides a variety of financial services to individuals and small businesses through its offices in middle Georgia. The Bank offers a full range of commercial and personal loan products. It makes loans to individuals for purposes such as home mortgage financing, personal vehicles and various consumer purchases, and other personal and family needs. Commercial loans are offered to businesses for purposes such as providing equipment and machinery purchases, commercial real estate purchases, and working capital. The Bank also provides a full range of deposit services that are typically available from financial institutions, including NOW accounts, demand, savings, and other time deposits.
49GF Score
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