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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.
Oak Ridge Financial Services's 3-Year RORE % for the quarter that ended in Dec. 2025 was 14.39%.
BKOR's 3-Year RORE % is ranked better than 59.35% of 1471
companies
in the Banks industry
Industry Median: 9.92
vs BKOR: 14.39
Oak Ridge Financial Services (OTCPK:BKOR) 3-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, 3-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.
Oak Ridge Financial Services 3-Year RORE % Related Terms
Oak Ridge Financial Services 3-Year RORE % Historical Data
* 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.
BKOR vs SLRK, MCBK, ORPB: 3-Year RORE % Comparison
For the Banks - Regional subindustry, Oak Ridge Financial Services's 3-Year RORE %, along with its competitors' market caps and 3-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.
Oak Ridge Financial Services 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Oak Ridge Financial Services's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Oak Ridge Financial Services's 3-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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Dec. 2025 and 3-year before.
Oak Ridge Financial Services (BKOR) has a 3-Year RORE % of 14.39 as of Dec. 2025. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Oak Ridge Financial Services and its competitors. According to the industry distribution chart, Oak Ridge Financial Services ranks #598 out of 1471 companies in the Banks industry, placing it in the top 40.7%.
Is Oak Ridge Financial Services' 3-Year RORE % too high?
Oak Ridge Financial Services' current 3-Year RORE % is 14.39. The Banks industry median 3-Year RORE % is 9.92. Oak Ridge Financial Services' value of 14.39 is 45.1% above this industry median. Based on the distribution chart, Oak Ridge Financial Services ranks #598 out of 1471 companies in the Banks industry, which is above the industry midpoint. Overall, Oak Ridge Financial Services has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Oak Ridge Financial Services' 3-Year RORE % compare to SLRK and MCBK?
According to the Banks industry distribution chart, Oak Ridge Financial Services ranks #598 out of 1471 companies for 3-Year RORE %. This puts Oak Ridge Financial Services in the upper half of its industry. The industry median 3-Year RORE % is 9.92. Oak Ridge Financial Services' value of 14.39 is 45.1% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.92, based on 1,471 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oak Ridge Financial Services's current 3-Year RORE % of 14.39 is 45.1% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Oak Ridge Financial Services and its competitors. For the Banks industry, the median 3-Year RORE % is 9.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oak Ridge Financial Services's current 3-Year RORE % is 14.39. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Oak Ridge Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Oak Ridge Financial Services (BKOR) is currently considered Significantly Overvalued. The stock's GF Value™ is $22.48, compared to a current price of $31.50 — trading 40.1% above its estimated fair value. The current 3-Year RORE % is 14.39 and 45.1% above the Banks industry median of 9.92. Oak Ridge Financial Services' overall GF Score™ is 61/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Oak Ridge Financial Services (BKOR), the current 3-Year RORE % is 14.39 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 Oak Ridge Financial Services (BKOR) Overvalued in 2026?
Based on GuruFocus' analysis, Oak Ridge Financial Services stock appears to be overvalued.
The current stock price of $31.50 is trading 40.1% above its estimated GF Value™ of $22.48.
GuruFocus considers Oak Ridge Financial Services to be Significantly Overvalued.
Key valuation signals for BKOR:
3-Year RORE %: 14.39
GF Value™: $22.48 vs. price of $31.50 (40.1% above fair value)
Industry Position: 45.1% above the Banks median (#598 of 1471)
No single metric tells the full story. See the BKOR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Oak Ridge Financial Services Inc is a bank holding company. Along with its banking subsidiary, it offers financial services such as accepting a full range of deposit products and originating commercial and consumer loans, providing online banking services, etc., through its branch network located in Guilford County, North Carolina.
61GF Score
Get the complete analysis for BKOR
3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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