Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Fleetwood Bank's retained earnings for the quarter that ended in Dec. 2025 was $20.55 Mil.
Fleetwood Bank's quarterly retained earnings
increased
from Dec. 2023 ($17.98 Mil) to Dec. 2024 ($18.80 Mil) and
increased
from Dec. 2024 ($18.80 Mil) to Dec. 2025 ($20.55 Mil).
Fleetwood Bank's annual retained earnings
increased
from Dec. 2023 ($17.98 Mil) to Dec. 2024 ($18.80 Mil) and
increased
from Dec. 2024 ($18.80 Mil) to Dec. 2025 ($20.55 Mil).
Fleetwood Bank (OTCPK:FLEW) Retained Earnings Explanation
Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.
For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.
If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.
Of course, many companies with negative retained earnings have indeed lost money in the past.
Retained Earnings: Warren Buffett's Secret.
One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.
If the company loses more than it has accumulated, retained earnings is negative.
If a company isn't adding to its retained earnings, it isn't growing its net worth.
Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.
Microsoft is negative because it chose to buyback stock and pay dividends.
The more earnings retained, the faster it grows and increases growth rate for future earnings.
Fleetwood Bank Retained Earnings Historical Data
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The historical data trend for Fleetwood Bank's Retained Earnings 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.
Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.
Of course, if a company loses, it is called retained losses, or accumulated losses.
Fleetwood Bank (FLEW) has a Retained Earnings of $20.55 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on Fleetwood Bank and its competitors.
Is Fleetwood Bank's Retained Earnings too high?
Fleetwood Bank's current Retained Earnings is $20.55 Mil. Overall, Fleetwood Bank has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Fleetwood Bank's Retained Earnings compare to GWBK and BCCB?
Fleetwood Bank's Retained Earnings of $20.55 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Fleetwood Bank and its competitors. Fleetwood Bank's current Retained Earnings is $20.55 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fleetwood Bank stock overvalued right now?
Based on GuruFocus' analysis, Fleetwood Bank (FLEW) is currently considered Fairly Valued. The stock's GF Value™ is $65.97, compared to a current price of $72.00 — trading 9.1% above its estimated fair value. The current Retained Earnings is $20.55 Mil. Fleetwood Bank's overall GF Score™ is 61/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Fleetwood Bank (FLEW), the current Retained Earnings is $20.55 Mil 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 Fleetwood Bank (FLEW) Overvalued in 2026?
Based on GuruFocus' analysis, Fleetwood Bank stock appears to be overvalued.
The current stock price of $72.00 is trading 9.1% above its estimated GF Value™ of $65.97.
GuruFocus considers Fleetwood Bank to be Fairly Valued.
Key valuation signals for FLEW:
Retained Earnings: $20.55 Mil
GF Value™: $65.97 vs. price of $72.00 (9.1% above fair value)
No single metric tells the full story. See the FLEW stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Fleetwood Bank Corp provides personal and business banking services. It offers banking products such as savings account, loans and mortgages, cash management services, bill payments, and online banking services. It provides loans such as personal loans, home loans, car loans, and education loans and also support businesses with working capital loans, trade finance, and project financing. Additionally, the company offers investment, insurance, and wealth management services to help customers grow their money.
61GF Score
Get the complete analysis for FLEW
Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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