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.
Hamlin Bank and Trust Co's 3-Year RORE % for the quarter that ended in Dec. 2025 was 94.81%.
The industry rank for Hamlin Bank and Trust Co's 3-Year RORE % or its related term are showing as below:
HMLN's 3-Year RORE % is ranked better than 95.32% of 1473
companies
in the Banks industry
Industry Median: 9.87
vs HMLN: 94.81
Hamlin Bank and Trust Co (OTCPK:HMLN) 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.
Hamlin Bank and Trust Co 3-Year RORE % Related Terms
Hamlin Bank and Trust Co 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.
HMLN vs SOBS, BKOR, EDVR: 3-Year RORE % Comparison
For the Banks - Regional subindustry, Hamlin Bank and Trust Co'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.
Hamlin Bank and Trust Co 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Hamlin Bank and Trust Co's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Hamlin Bank and Trust Co'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.
Hamlin Bank and Trust Co (HMLN) has a 3-Year RORE % of 94.81 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 Hamlin Bank and Trust Co and its competitors. According to the industry distribution chart, Hamlin Bank and Trust Co ranks #69 out of 1473 companies in the Banks industry, placing it in the top 4.7%.
Is Hamlin Bank and Trust Co's 3-Year RORE % too high?
Hamlin Bank and Trust Co's current 3-Year RORE % is 94.81. The Banks industry median 3-Year RORE % is 9.87. Hamlin Bank and Trust Co's value of 94.81 is 860.6% above this industry median. Based on the distribution chart, Hamlin Bank and Trust Co ranks #69 out of 1473 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Hamlin Bank and Trust Co has a GF Score™ of 69/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Hamlin Bank and Trust Co's 3-Year RORE % compare to SOBS and BKOR?
According to the Banks industry distribution chart, Hamlin Bank and Trust Co ranks #69 out of 1473 companies for 3-Year RORE %. This places Hamlin Bank and Trust Co in the top 5% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 9.87. Hamlin Bank and Trust Co's value of 94.81 is 860.6% 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 9.87, based on 1,473 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. Hamlin Bank and Trust Co's current 3-Year RORE % of 94.81 is 860.6% 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 Hamlin Bank and Trust Co and its competitors. For the Banks industry, the median 3-Year RORE % is 9.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hamlin Bank and Trust Co's current 3-Year RORE % is 94.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hamlin Bank and Trust Co stock overvalued right now?
Based on GuruFocus' analysis, Hamlin Bank and Trust Co (HMLN) is currently considered Modestly Undervalued. The stock's GF Value™ is $274.11, compared to a current price of $240.00 — trading 12.4% below its estimated fair value. The current 3-Year RORE % is 94.81 and 860.6% above the Banks industry median of 9.87. Hamlin Bank and Trust Co's overall GF Score™ is 69/100 with 3 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 Hamlin Bank and Trust Co (HMLN), the current 3-Year RORE % is 94.81 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 Hamlin Bank and Trust Co (HMLN) Overvalued in 2026?
Based on GuruFocus' analysis, Hamlin Bank and Trust Co stock appears to be undervalued.
The current stock price of $240.00 is trading 12.4% below its estimated GF Value™ of $274.11.
GuruFocus considers Hamlin Bank and Trust Co to be Modestly Undervalued.
Key valuation signals for HMLN:
3-Year RORE %: 94.81
GF Value™: $274.11 vs. price of $240.00 (12.4% below fair value)
Industry Position: 860.6% above the Banks median (#69 of 1473)
No single metric tells the full story. See the HMLN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hamlin Bank and Trust Co are a United States-based state charted commercial bank. It offers a variety of financial and trust services. The company provides services such as personal banking services, business banking services, trust services, and other banking services. The Banks principal sources of revenue emanate from its portfolio of residential real estate, commercial mortgage, commercial, and consumer loans, as well as interest on investment securities and a variety of deposit and trust services provided to its customers.
69GF Score
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