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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.
Lake Ridge Bancorp's 3-Year RORE % for the quarter that ended in Jun. 2026 was 38.11%.
The industry rank for Lake Ridge Bancorp's 3-Year RORE % or its related term are showing as below:
LRBI's 3-Year RORE % is ranked better than 86.38% of 1468
companies
in the Banks industry
Industry Median: 11.605
vs LRBI: 38.11
Lake Ridge Bancorp (OTCPK:LRBI) 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.
Lake Ridge Bancorp 3-Year RORE % Related Terms
Lake Ridge Bancorp 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Lake Ridge Bancorp'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.
LRBI vs WNEB, FUNC, TRUX: 3-Year RORE % Comparison
For the Banks - Regional subindustry, Lake Ridge Bancorp'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.
Lake Ridge Bancorp 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Lake Ridge Bancorp's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Lake Ridge Bancorp'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. 2026 and 3-year before.
Lake Ridge Bancorp (LRBI) has a 3-Year RORE % of 38.11 as of Jun. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Lake Ridge Bancorp and its competitors. According to the industry distribution chart, Lake Ridge Bancorp ranks #200 out of 1468 companies in the Banks industry, placing it in the top 13.6%.
Is Lake Ridge Bancorp's 3-Year RORE % too high?
Lake Ridge Bancorp's current 3-Year RORE % is 38.11. The Banks industry median 3-Year RORE % is 11.61. Lake Ridge Bancorp's value of 38.11 is 228.4% above this industry median. Based on the distribution chart, Lake Ridge Bancorp ranks #200 out of 1468 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Lake Ridge Bancorp has a GF Score™ of 44/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Lake Ridge Bancorp's 3-Year RORE % compare to WNEB and FUNC?
According to the Banks industry distribution chart, Lake Ridge Bancorp ranks #200 out of 1468 companies for 3-Year RORE %. This places Lake Ridge Bancorp in the top 14% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 11.61. Lake Ridge Bancorp's value of 38.11 is 228.4% 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 11.61, based on 1,468 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. Lake Ridge Bancorp's current 3-Year RORE % of 38.11 is 228.4% 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 Lake Ridge Bancorp and its competitors. For the Banks industry, the median 3-Year RORE % is 11.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lake Ridge Bancorp's current 3-Year RORE % is 38.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Lake Ridge Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Lake Ridge Bancorp (LRBI) is currently considered Modestly Overvalued. The stock's GF Value™ is $128.46, compared to a current price of $162.00 — trading 26.1% above its estimated fair value. The current 3-Year RORE % is 38.11 and 228.4% above the Banks industry median of 11.61. Lake Ridge Bancorp's overall GF Score™ is 44/100 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 Lake Ridge Bancorp (LRBI), the current 3-Year RORE % is 38.11 as of Jun. 2026. 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 Lake Ridge Bancorp (LRBI) Overvalued in 2026?
Based on GuruFocus' analysis, Lake Ridge Bancorp stock appears to be overvalued.
The current stock price of $162.00 is trading 26.1% above its estimated GF Value™ of $128.46.
GuruFocus considers Lake Ridge Bancorp to be Modestly Overvalued.
Key valuation signals for LRBI:
3-Year RORE %: 38.11
GF Value™: $128.46 vs. price of $162.00 (26.1% above fair value)
Industry Position: 228.4% above the Banks median (#200 of 1468)
No single metric tells the full story. See the LRBI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Lake Ridge Bancorp Inc is a bank holding company. It provides a variety of financial services to individual and corporate customers through its subsidiary. The Bank operates as a full-service financial institution, with a primary market area including, but not limited to, Dane County, Rock County, Sauk County, and Green County, Wisconsin. It offers a full range of Business and Personal Financial Services, including Business, Real estate, and Consumer lending, as well as Wealth Management, Mortgage, Agriculture Division, and Financial Advisory services. Its products and services are Digital banking, Loans, Executive banking, Investments, and account cards.
44GF Score
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