FFWFFWC 54 3-Year RORE % is -0.20 as of Jun. 2025. GuruFocus rates FFWC with a GF Score™ of 54/100 and a GF Value™ of $47.10 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,472 Banks companies, FFW ranks worse than 73.23% on this metric.
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.
FFW's 3-Year RORE % for the quarter that ended in Jun. 2025 was -0.20%.
The industry rank for FFW's 3-Year RORE % or its related term are showing as below:
FFWC's 3-Year RORE % is ranked worse than 73.23% of 1472
companies
in the Banks industry
Industry Median: 9.93
vs FFWC: -0.20
FFW (OTCPK:FFWC) 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.
FFW 3-Year RORE % Related Terms
FFW 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for FFW's 3-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.
FFWC vs NIDB, MFBP, BSPA: 3-Year RORE % Comparison
For the Banks - Regional subindustry, FFW'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.
FFW 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, FFW's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where FFW'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 Jun. 2025 and 3-year before.
FFW (FFWC) has a 3-Year RORE % of -0.20 as of Jun. 2025. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on FFW and its competitors. According to the industry distribution chart, FFW ranks #1078 out of 1472 companies in the Banks industry, placing it in the top 73.2%.
Is FFW's 3-Year RORE % too high?
FFW's current 3-Year RORE % is -0.20. Based on the distribution chart, FFW ranks #1078 out of 1472 companies in the Banks industry, which is below the industry midpoint. Overall, FFW has a GF Score™ of 54/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does FFW's 3-Year RORE % compare to NIDB and MFBP?
According to the Banks industry distribution chart, FFW ranks #1078 out of 1472 companies for 3-Year RORE %. This places FFW in the lower half of its industry. The industry median 3-Year RORE % is 9.93. 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 9.93, based on 1,472 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. 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 FFW and its competitors. For the Banks industry, the median 3-Year RORE % is 9.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FFW's current 3-Year RORE % is -0.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FFW stock overvalued right now?
Based on GuruFocus' analysis, FFW (FFWC) is currently considered Fairly Valued. The stock's GF Value™ is $47.10, compared to a current price of $51.56 — trading 9.5% above its estimated fair value. The current 3-Year RORE % is -0.20. FFW's overall GF Score™ is 54/100 with 6 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 FFW (FFWC), the current 3-Year RORE % is -0.20 as of Jun. 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 FFW (FFWC) Overvalued in 2026?
Based on GuruFocus' analysis, FFW stock appears to be overvalued.
The current stock price of $51.56 is trading 9.5% above its estimated GF Value™ of $47.10.
GuruFocus considers FFW to be Fairly Valued.
Key valuation signals for FFWC:
3-Year RORE %: -0.20
GF Value™: $47.10 vs. price of $51.56 (9.5% above fair value)
No single metric tells the full story. See the FFWC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
FFW Corp operates in the United States provides various financial products and services. The company offers various deposit services, digital banking, savings loans, mortgage loans, business loans, and insurance services. It earns its revenue from interest and dividends earned on loans, investment securities, and other financial securities. Its main office in Wabash and six Indiana banking centers located in Columbia City, North Manchester, Peru, South Whitley, Syracuse and Warsaw.
54GF Score
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3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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