Vallant FinancialVLNT 8 ROE % is 2.92% as of Mar. 2026. GuruFocus rates VLNT with a GF Score™ of 8/100. Among 1,524 Banks companies, Vallant Financial ranks worse than 65616.73% on this metric.
The historical rank and industry rank for Vallant Financial's ROE % or its related term are showing as below:
VLNT's ROE % is not ranked *
in the Banks industry.
Industry Median: 10.22 * Ranked among companies with meaningful ROE % only.
Vallant Financial (OTCPK:VLNT) 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 one times the annual (Mar. 2026) net income data. The Revenue data used here is one times the annual (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.
Vallant Financial ROE % Related Terms
Vallant Financial ROE % Historical Data
* Premium members only.
The historical data trend for Vallant Financial'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.
Vallant Financial ROE % Chart
Vallant Financial Annual Data
Trend
ROE %
Vallant Financial Semi-Annual Data
Mar25
Mar26
ROE %
0.00
2.92
VLNT vs : ROE % Comparison
For the Banks - Regional subindustry, Vallant Financial'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.
Vallant Financial ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Vallant Financial's ROE % distribution charts can be found below:
* The bar in red indicates where Vallant Financial'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 (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Vallant Financial (VLNT) has a ROE % of 2.92% 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 Vallant Financial and its competitors. According to the industry distribution chart, Vallant Financial ranks #999999 out of 1524 companies in the Banks industry.
Is Vallant Financial's ROE % too high?
Vallant Financial's current ROE % is 2.92%. The Banks industry median ROE % is 10.22. Vallant Financial's value of 2.92% is 71.4% below this industry median. Based on the distribution chart, Vallant Financial ranks #999999 out of 1524 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Vallant Financial has a GF Score™ of 8/100, reflecting its overall financial health beyond just this single metric.
How does Vallant Financial's ROE % compare to ?
According to the Banks industry distribution chart, Vallant Financial ranks #999999 out of 1524 companies for ROE %. This places Vallant Financial in the lower half of its industry. The industry median ROE % is 10.22. Vallant Financial's value of 2.92% is 71.4% below this benchmark. 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. Vallant Financial's current ROE % of 2.92% is 71.4% 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 Vallant Financial 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. Vallant Financial's current ROE % is 2.92%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vallant Financial stock overvalued right now?
Vallant Financial (VLNT) has a current ROE % of 2.92%. The current ROE % is 2.92% and 71.4% below the Banks industry median of 10.22. Vallant Financial's overall GF Score™ is 8/100. 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 Vallant Financial (VLNT), the current ROE % is 2.92% 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.
Vallant Financial Inc is a bank holding company engaged in the ownership and management of its wholly owned subsidiary, Pinnacle Bank. The Bank provides a full range of commercial banking services and operates mainly in Northeast Georgia.
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