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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. 2024) net income data. The Revenue data used here is one times the annual (Dec. 2024) 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.
Marine Bancorp FLA ROE % Related Terms
Marine Bancorp FLA ROE % Historical Data
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The historical data trend for Marine Bancorp FLA'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, Marine Bancorp FLA'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.
Marine Bancorp FLA ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Marine Bancorp FLA's ROE % distribution charts can be found below:
* The bar in red indicates where Marine Bancorp FLA'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. 2024) net income data.
ROE % is displayed in the 30-year financial page.
Marine Bancorp FLA (MBOF) has a ROE % of 7.59% as of Dec. 2024. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Marine Bancorp FLA and its competitors. This is 42% below median its historical median of 13.16. Over the past decade, Marine Bancorp FLA's ROE % has ranged from 7.09 to 15.37.
Is Marine Bancorp FLA's ROE % too high?
Marine Bancorp FLA's current ROE % of 7.59% is 42% below median its 10-year median of 13.16. Over the past 10 years, this metric has ranged from a low of 7.09 to a high of 15.37. The Banks industry median ROE % is 10.33. Marine Bancorp FLA's value of 7.59% is 26.5% below this industry median. Overall, Marine Bancorp FLA has a GF Score™ of 31/100, reflecting its overall financial health beyond just this single metric.
How does Marine Bancorp FLA's ROE % compare to FBSI and KLIB?
Marine Bancorp FLA's ROE % of 7.59% can be compared against companies in the Banks industry. The industry median ROE % is 10.33. Marine Bancorp FLA's value of 7.59% is 26.5% below this benchmark. Historically, Marine Bancorp FLA's own ROE % has ranged from 7.09 to 15.37 over the past decade. While the company's 10-year median is 13.16 vs. the industry median of 10.33, Marine Bancorp FLA 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 10.33, based on 1,522 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. Marine Bancorp FLA's current ROE % of 7.59% is 26.5% 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 Marine Bancorp FLA and its competitors. For the Banks industry, the median ROE % is 10.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Marine Bancorp FLA's current ROE % is 7.59%, which is 42% below median its own 10-year median of 13.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Marine Bancorp FLA stock overvalued right now?
Marine Bancorp FLA (MBOF) has a current ROE % of 7.59%. The stock's GF Value™ is $18.47, compared to a current price of $43.75 — trading 136.9% above its estimated fair value. The current ROE % is 7.59%, which is 42% below median its 10-year median of 13.16 and 26.5% below the Banks industry median of 10.33. Marine Bancorp FLA's overall GF Score™ is 31/100 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 Marine Bancorp FLA (MBOF), the current ROE % is 7.59% as of Dec. 2024. 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 Marine Bancorp FLA (MBOF) Overvalued in 2026?
Based on GuruFocus' analysis, Marine Bancorp FLA stock appears to be overvalued.
The current stock price of $43.75 is trading 136.9% above its estimated GF Value™ of $18.47.
Key valuation signals for MBOF:
ROE %: 7.59% (42% below median its 10-year median of 13.16)
GF Value™: $18.47 vs. price of $43.75 (136.9% above fair value)
No single metric tells the full story. See the MBOF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Marine Bancorp FLA Inc, through its subsidiary, is engaged in providing banking and related services. The Bank offers a variety of community banking services to individuals and corporate customers. The company offers Checking, Loans, Debit cards, Credit cards, Commercial Loans, Merchant Services, Business savings and money markets, Mobile Banking and related services. The loan portfolio segment includes Commercial real estate, Residential real estate, Construction and land development, Commercial and Consumer.
31GF Score
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