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Summit Bank GroupSBKO +0.22%65 ROE % is 12.31% as of Dec. 2025, which is 10% below its 10-year median of 13.65. GuruFocus rates SBKO with a GF Score™ of 65/100 and a GF Value™ of $16.49 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,524 Banks companies, Summit Bank Group ranks better than 64.83% 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.
Summit Bank Group ROE % Related Terms
Summit Bank Group ROE % Historical Data
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The historical data trend for Summit Bank Group'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, Summit Bank Group'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.
Summit Bank Group ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Summit Bank Group's ROE % distribution charts can be found below:
* The bar in red indicates where Summit Bank Group'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.
Summit Bank Group (SBKO) has a ROE % of 12.31% 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 Summit Bank Group and its competitors. This is 10% below median its historical median of 13.65. Over the past decade, Summit Bank Group's ROE % has ranged from 4.61 to 17.07. According to the industry distribution chart, Summit Bank Group ranks #536 out of 1524 companies in the Banks industry, placing it in the top 35.2%.
Is Summit Bank Group's ROE % too high?
Summit Bank Group's current ROE % of 12.31% is 10% below median its 10-year median of 13.65. Over the past 10 years, this metric has ranged from a low of 4.61 to a high of 17.07. The Banks industry median ROE % is 10.34. Summit Bank Group's value of 12.31% is 19.1% above this industry median. Based on the distribution chart, Summit Bank Group ranks #536 out of 1524 companies in the Banks industry, which is above the industry midpoint. Overall, Summit Bank Group has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Summit Bank Group's ROE % compare to MSWV and PLQC?
According to the Banks industry distribution chart, Summit Bank Group ranks #536 out of 1524 companies for ROE %. This puts Summit Bank Group in the upper half of its industry. The industry median ROE % is 10.34. Summit Bank Group's value of 12.31% is 19.1% above this benchmark. Historically, Summit Bank Group's own ROE % has ranged from 4.61 to 17.07 over the past decade. While the company's 10-year median is 13.65 vs. the industry median of 10.34, Summit Bank Group 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 10.34, 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. Summit Bank Group's current ROE % of 12.31% is 19.1% 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 Summit Bank Group and its competitors. For the Banks industry, the median ROE % is 10.34 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Summit Bank Group's current ROE % is 12.31%, which is 10% below median its own 10-year median of 13.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Summit Bank Group stock overvalued right now?
Based on GuruFocus' analysis, Summit Bank Group (SBKO) is currently considered Significantly Overvalued. The stock's GF Value™ is $16.49, compared to a current price of $23.54 — trading 42.8% above its estimated fair value. The current ROE % is 12.31%, which is 10% below median its 10-year median of 13.65 and 19.1% above the Banks industry median of 10.34. Summit Bank Group's overall GF Score™ is 65/100 with 4 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 Summit Bank Group (SBKO), the current ROE % is 12.31% 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 Summit Bank Group (SBKO) Overvalued in 2026?
Based on GuruFocus' analysis, Summit Bank Group stock appears to be overvalued.
The current stock price of $23.54 is trading 42.8% above its estimated GF Value™ of $16.49.
GuruFocus considers Summit Bank Group to be Significantly Overvalued.
Key valuation signals for SBKO:
ROE %: 12.31% (10% below median its 10-year median of 13.65)
GF Value™: $16.49 vs. price of $23.54 (42.8% above fair value)
Industry Position: 19.1% above the Banks median (#536 of 1524)
No single metric tells the full story. See the SBKO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Summit Bank Group Inc provides commercial banking, financing, real estate lending and other services in Lane, Deschutes and Multnomah Counties in Oregon. It also specializes in providing high-level service to professionals and medium-sized businesses and their owners.
65GF Score
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