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BEO Bancorp ORBEOB 72 5-Year RORE % is 18.00 as of Dec. 2025. GuruFocus rates BEOB with a GF Score™ of 72/100 and a GF Value™ of $48.11 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,392 Banks companies, BEO Bancorp OR ranks better than 69.9% 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.
BEO Bancorp OR's 5-Year RORE % for the quarter that ended in Dec. 2025 was 18.00%.
The industry rank for BEO Bancorp OR's 5-Year RORE % or its related term are showing as below:
BEOB's 5-Year RORE % is ranked better than 69.9% of 1392
companies
in the Banks industry
Industry Median: 10.505
vs BEOB: 18.00
BEO Bancorp OR (OTCPK:BEOB) 5-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, 5-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.
BEO Bancorp OR 5-Year RORE % Related Terms
BEO Bancorp OR 5-Year RORE % Historical Data
* Premium members only.
The historical data trend for BEO Bancorp OR's 5-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.
BEOB vs ENBP, NODB, EMYB: 5-Year RORE % Comparison
For the Banks - Regional subindustry, BEO Bancorp OR's 5-Year RORE %, along with its competitors' market caps and 5-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.
BEO Bancorp OR 5-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, BEO Bancorp OR's 5-Year RORE % distribution charts can be found below:
* The bar in red indicates where BEO Bancorp OR's 5-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 5-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Dec. 2025 and 5-year before.
BEO Bancorp OR (BEOB) has a 5-Year RORE % of 18.00 as of Dec. 2025. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on BEO Bancorp OR and its competitors. According to the industry distribution chart, BEO Bancorp OR ranks #419 out of 1392 companies in the Banks industry, placing it in the top 30.1%.
Is BEO Bancorp OR's 5-Year RORE % too high?
BEO Bancorp OR's current 5-Year RORE % is 18.00. The Banks industry median 5-Year RORE % is 10.51. BEO Bancorp OR's value of 18.00 is 71.3% above this industry median. Based on the distribution chart, BEO Bancorp OR ranks #419 out of 1392 companies in the Banks industry, which is above the industry midpoint. Overall, BEO Bancorp OR has a GF Score™ of 72/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BEO Bancorp OR's 5-Year RORE % compare to ENBP and NODB?
According to the Banks industry distribution chart, BEO Bancorp OR ranks #419 out of 1392 companies for 5-Year RORE %. This puts BEO Bancorp OR in the upper half of its industry. The industry median 5-Year RORE % is 10.51. BEO Bancorp OR's value of 18.00 is 71.3% 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 5-Year RORE % for a Banks company?
The median 5-Year RORE % among Banks companies is 10.51, based on 1,392 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BEO Bancorp OR's current 5-Year RORE % of 18.00 is 71.3% 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 5-Year RORE % mean?
A high 5-Year RORE % can signal that a stock is expensive relative to its fundamentals. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on BEO Bancorp OR and its competitors. For the Banks industry, the median 5-Year RORE % is 10.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BEO Bancorp OR's current 5-Year RORE % is 18.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BEO Bancorp OR stock overvalued right now?
Based on GuruFocus' analysis, BEO Bancorp OR (BEOB) is currently considered Significantly Overvalued. The stock's GF Value™ is $48.11, compared to a current price of $64.49 — trading 34% above its estimated fair value. The current 5-Year RORE % is 18.00 and 71.3% above the Banks industry median of 10.51. BEO Bancorp OR's overall GF Score™ is 72/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year RORE % calculated?
5-Year RORE % is calculated from a company's financial statements. For BEO Bancorp OR (BEOB), the current 5-Year RORE % is 18.00 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 BEO Bancorp OR (BEOB) Overvalued in 2026?
Based on GuruFocus' analysis, BEO Bancorp OR stock appears to be overvalued.
The current stock price of $64.49 is trading 34% above its estimated GF Value™ of $48.11.
GuruFocus considers BEO Bancorp OR to be Significantly Overvalued.
Key valuation signals for BEOB:
5-Year RORE %: 18.00
GF Value™: $48.11 vs. price of $64.49 (34% above fair value)
Industry Position: 71.3% above the Banks median (#419 of 1392)
No single metric tells the full story. See the BEOB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BEO Bancorp OR provides commercial and consumer financing, banking, and mortgage lending, and other services in Northeastern Oregon and Southeastern Washington. Its activities include the usual lending and deposit functions of a commercial bank: commercial, agricultural, real estate, installment, credit card, and mortgage loans; checking, money market, time deposit, and savings accounts; internet banking and bill payment; automated teller machines and safe deposit facilities. Additionally, the Bank originates and sells mortgage loans into the secondary market.
72GF Score
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5-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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