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Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Tri City Bankshares's 10-Year RORE % for the quarter that ended in Dec. 2025 was 4.88%.
The industry rank for Tri City Bankshares's 10-Year RORE % or its related term are showing as below:
TRCY's 10-Year RORE % is ranked worse than 70.12% of 1091
companies
in the Banks industry
Industry Median: 10.19
vs TRCY: 4.88
Tri City Bankshares (OTCPK:TRCY) 10-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 10-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Tri City Bankshares 10-Year RORE % Related Terms
Tri City Bankshares 10-Year RORE % Historical Data
* Premium members only.
The historical data trend for Tri City Bankshares's 10-Year RORE % 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.
TRCY vs PFLC, BVFL, HNVR: 10-Year RORE % Comparison
For the Banks - Regional subindustry, Tri City Bankshares's 10-Year RORE %, along with its competitors' market caps and 10-Year RORE % 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.
Tri City Bankshares 10-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Tri City Bankshares's 10-Year RORE % distribution charts can be found below:
* The bar in red indicates where Tri City Bankshares's 10-Year RORE % 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 10-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Dec. 2025 and 10-year before.
Tri City Bankshares (TRCY) has a 10-Year RORE % of 4.88 as of Dec. 2025. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on Tri City Bankshares and its competitors. According to the industry distribution chart, Tri City Bankshares ranks #765 out of 1091 companies in the Banks industry, placing it in the top 70.1%.
Is Tri City Bankshares' 10-Year RORE % too high?
Tri City Bankshares' current 10-Year RORE % is 4.88. The Banks industry median 10-Year RORE % is 10.19. Tri City Bankshares' value of 4.88 is 52.1% below this industry median. Based on the distribution chart, Tri City Bankshares ranks #765 out of 1091 companies in the Banks industry, which is below the industry midpoint. Overall, Tri City Bankshares has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tri City Bankshares' 10-Year RORE % compare to PFLC and BVFL?
According to the Banks industry distribution chart, Tri City Bankshares ranks #765 out of 1091 companies for 10-Year RORE %. This places Tri City Bankshares in the lower half of its industry. The industry median 10-Year RORE % is 10.19. Tri City Bankshares' value of 4.88 is 52.1% 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 10-Year RORE % for a Banks company?
The median 10-Year RORE % among Banks companies is 10.19, based on 1,091 companies in the industry. Companies in the top quartile (top 25%) have a 10-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 10-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tri City Bankshares's current 10-Year RORE % of 4.88 is 52.1% 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 10-Year RORE % mean?
A high 10-Year RORE % can signal that a stock is expensive relative to its fundamentals. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on Tri City Bankshares and its competitors. For the Banks industry, the median 10-Year RORE % is 10.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tri City Bankshares's current 10-Year RORE % is 4.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tri City Bankshares stock overvalued right now?
Based on GuruFocus' analysis, Tri City Bankshares (TRCY) is currently considered Modestly Overvalued. The stock's GF Value™ is $15.45, compared to a current price of $19.88 — trading 28.7% above its estimated fair value. The current 10-Year RORE % is 4.88 and 52.1% below the Banks industry median of 10.19. Tri City Bankshares' overall GF Score™ is 63/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 10-Year RORE % calculated?
10-Year RORE % is calculated from a company's financial statements. For Tri City Bankshares (TRCY), the current 10-Year RORE % is 4.88 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 Tri City Bankshares (TRCY) Overvalued in 2026?
Based on GuruFocus' analysis, Tri City Bankshares stock appears to be overvalued.
The current stock price of $19.88 is trading 28.7% above its estimated GF Value™ of $15.45.
GuruFocus considers Tri City Bankshares to be Modestly Overvalued.
Key valuation signals for TRCY:
10-Year RORE %: 4.88
GF Value™: $15.45 vs. price of $19.88 (28.7% above fair value)
Industry Position: 52.1% below the Banks median (#765 of 1091)
No single metric tells the full story. See the TRCY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Tri City Bankshares Corp is a bank holding company. It provides consumer and commercial banking services to individuals and businesses. The services provided by the bank are loan facilities, credit card facilities, reverse mortgages, online banking services, business cards, savings facilities, and other services. It has one reportable segment, community banking.
63GF Score
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10-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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