FGFI (First Greenwich Financial) 5-Year RORE % : -7.72% (As of Jun. 2026)

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FGFI First Greenwich Financial Inc FGFI
67 GF Score
Price $19.65
GF Value $21.29
Valuation Fairly Valued
! 3 Warning Signs
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What is First Greenwich Financial 5-Year RORE %?

First Greenwich Financial FGFI 67 5-Year RORE % is -7.72 as of Jun. 2026. GuruFocus rates FGFI with a GF Score™ of 67/100 and a GF Value™ of $21.29 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,411 Banks companies, First Greenwich Financial ranks worse than 84.2% 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. First Greenwich Financial's 5-Year RORE % for the quarter that ended in Jun. 2026 was -7.72%.

The industry rank for First Greenwich Financial's 5-Year RORE % or its related term are showing as below:

FGFI's 5-Year RORE % is ranked worse than
84.2% of 1411 companies
in the Banks industry
Industry Median: 9.7 vs FGFI: -7.72

First Greenwich Financial  (OTCPK:FGFI) 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.


First Greenwich Financial 5-Year RORE % Related Terms


First Greenwich Financial 5-Year RORE % Historical Data

* Premium members only.

The historical data trend for First Greenwich Financial'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.

First Greenwich Financial 5-Year RORE % Chart

First Greenwich Financial Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
5-Year RORE %
Get a 7-Day Free Trial Premium Member Only 34.07 20.22 7.94 2.85 -8.12

First Greenwich Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
5-Year RORE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -2.32 -1.05 -8.12 -7.76 -7.72

FGFI vs DENI, PVBK, TCBS: 5-Year RORE % Comparison

For the Banks - Regional subindustry, First Greenwich Financial'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.


First Greenwich Financial 5-Year RORE % vs Banks Industry

For the Banks industry and Financial Services sector, First Greenwich Financial's 5-Year RORE % distribution charts can be found below:

* The bar in red indicates where First Greenwich Financial's 5-Year RORE % falls into.


FGFI
67GF Score
First Greenwich Financial Inc FGFI
5-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
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First Greenwich Financial 5-Year RORE % Calculation

First Greenwich Financial's 5-Year RORE % for the quarter that ended in Jun. 2026 is calculated as:

5-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 5-year -Cumulative Dividends per Share for 5-year )
=( 1.72-2.36 )/( 8.29-0 )
=-0.64/8.29
=-7.72 %

* 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 Jun. 2026 and 5-year before.

Frequently Asked Questions Learn more about 5-Year RORE % →
What does a 5-Year RORE % of -7.72 mean?
First Greenwich Financial (FGFI) has a 5-Year RORE % of -7.72 as of Jun. 2026. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on First Greenwich Financial and its competitors. According to the industry distribution chart, First Greenwich Financial ranks #1188 out of 1411 companies in the Banks industry, placing it in the top 84.2%.
Is First Greenwich Financial's 5-Year RORE % too high?
First Greenwich Financial's current 5-Year RORE % is -7.72. Based on the distribution chart, First Greenwich Financial ranks #1188 out of 1411 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, First Greenwich Financial has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does First Greenwich Financial's 5-Year RORE % compare to DENI and PVBK?
According to the Banks industry distribution chart, First Greenwich Financial ranks #1188 out of 1411 companies for 5-Year RORE %. This places First Greenwich Financial in the lower half of its industry. The industry median 5-Year RORE % is 9.70. 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 9.70, based on 1,411 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. 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 First Greenwich Financial and its competitors. For the Banks industry, the median 5-Year RORE % is 9.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Greenwich Financial's current 5-Year RORE % is -7.72. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Greenwich Financial stock overvalued right now?
Based on GuruFocus' analysis, First Greenwich Financial (FGFI) is currently considered Fairly Valued. The stock's GF Value™ is $21.29, compared to a current price of $19.65 — trading 7.7% below its estimated fair value. The current 5-Year RORE % is -7.72. First Greenwich Financial's overall GF Score™ is 67/100 with 3 warning signs 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 First Greenwich Financial (FGFI), the current 5-Year RORE % is -7.72 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 First Greenwich Financial (FGFI) Overvalued in 2026?

Based on GuruFocus' analysis, First Greenwich Financial stock appears to be undervalued. The current stock price of $19.65 is trading 7.7% below its estimated GF Value™ of $21.29. GuruFocus considers First Greenwich Financial to be Fairly Valued.

Key valuation signals for FGFI:

  • 5-Year RORE %: -7.72
  • GF Value™: $21.29 vs. price of $19.65 (7.7% below fair value)
  • GF Score™: 67/100 with 3 warning signs

No single metric tells the full story. See the FGFI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


First Greenwich Financial Business Description

Address 444 East Putnam Avenue, Cos Cob, CT, USA, 06807
First Greenwich Financial Inc is a United States-based company engaged in attracting deposits from the general public and investing those deposits in residential & commercial real estate loans and consumer & small business loans. It offers services including Certificate of Deposit, Checking, Courier Service, Online Banking, Retirement Accounts, and Lending services, among others.
67GF Score

Get the complete analysis for FGFI

5-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$19.65
Price
$21.29
GF Value