Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
VWF BancorpVWFB 36 3-Year RORE % is -39.80 as of Mar. 2026. GuruFocus rates VWFB with a GF Score™ of 36/100 and a GF Value™ of $29.76 (Significantly Undervalued). The stock has 6 warning signs investors should review. Among 1,471 Banks companies, VWF Bancorp ranks worse than 92.52% 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.
VWF Bancorp's 3-Year RORE % for the quarter that ended in Mar. 2026 was -39.80%.
The industry rank for VWF Bancorp's 3-Year RORE % or its related term are showing as below:
VWFB's 3-Year RORE % is ranked worse than 92.52% of 1471
companies
in the Banks industry
Industry Median: 9.92
vs VWFB: -39.80
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.
VWF Bancorp 3-Year RORE % Related Terms
VWF Bancorp 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for VWF 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.
VWFB vs PFSB, CNBZ, ELMA: 3-Year RORE % Comparison
For the Banks - Regional subindustry, VWF 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.
VWF Bancorp 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, VWF Bancorp's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where VWF 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 Mar. 2026 and 3-year before.
VWF Bancorp (VWFB) has a 3-Year RORE % of -39.80 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on VWF Bancorp and its competitors. According to the industry distribution chart, VWF Bancorp ranks #1361 out of 1471 companies in the Banks industry, placing it in the top 92.5%.
Is VWF Bancorp's 3-Year RORE % too high?
VWF Bancorp's current 3-Year RORE % is -39.80. Based on the distribution chart, VWF Bancorp ranks #1361 out of 1471 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, VWF Bancorp has a GF Score™ of 36/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does VWF Bancorp's 3-Year RORE % compare to PFSB and CNBZ?
According to the Banks industry distribution chart, VWF Bancorp ranks #1361 out of 1471 companies for 3-Year RORE %. This places VWF Bancorp in the lower half of its industry. The industry median 3-Year RORE % is 9.92. 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. 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 VWF Bancorp 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. VWF Bancorp's current 3-Year RORE % is -39.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is VWF Bancorp stock overvalued right now?
Based on GuruFocus' analysis, VWF Bancorp (VWFB) is currently considered Significantly Undervalued. The stock's GF Value™ is $29.76, compared to a current price of $15.23 — trading 48.8% below its estimated fair value. The current 3-Year RORE % is -39.80. VWF Bancorp's overall GF Score™ is 36/100 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 VWF Bancorp (VWFB), the current 3-Year RORE % is -39.80 as of Mar. 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 VWF Bancorp (VWFB) Overvalued in 2026?
Based on GuruFocus' analysis, VWF Bancorp stock appears to be undervalued.
The current stock price of $15.23 is trading 48.8% below its estimated GF Value™ of $29.76.
GuruFocus considers VWF Bancorp to be Significantly Undervalued.
Key valuation signals for VWFB:
3-Year RORE %: -39.80
GF Value™: $29.76 vs. price of $15.23 (48.8% below fair value)
No single metric tells the full story. See the VWFB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
VWF Bancorp Inc operates as a savings and loan holding company for GreenWay Bank. The firm, through its subsidiaries, engages in the business of making residential mortgage loans and accepting deposits.
36GF Score
Get the complete analysis for VWFB
3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
VWFB has been successfully added to your 
