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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.
Farmers National Banc's 5-Year RORE % for the quarter that ended in Jun. 2026 was -5.24%.
The industry rank for Farmers National Banc's 5-Year RORE % or its related term are showing as below:
FMNB's 5-Year RORE % is ranked worse than 82.57% of 1400
companies
in the Banks industry
Industry Median: 10.36
vs FMNB: -5.24
Farmers National Banc (NAS:FMNB) 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.
Farmers National Banc 5-Year RORE % Related Terms
Farmers National Banc 5-Year RORE % Historical Data
* Premium members only.
The historical data trend for Farmers National Banc'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.
FMNB vs FCBC, CCBG, THFF: 5-Year RORE % Comparison
For the Banks - Regional subindustry, Farmers National Banc'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.
Farmers National Banc 5-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Farmers National Banc's 5-Year RORE % distribution charts can be found below:
* The bar in red indicates where Farmers National Banc'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 Jun. 2026 and 5-year before.
Farmers National Banc (FMNB) has a 5-Year RORE % of -5.24 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 Farmers National Banc and its competitors. According to the industry distribution chart, Farmers National Banc ranks #1156 out of 1400 companies in the Banks industry, placing it in the top 82.6%.
Is Farmers National Banc's 5-Year RORE % too high?
Farmers National Banc's current 5-Year RORE % is -5.24. Based on the distribution chart, Farmers National Banc ranks #1156 out of 1400 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Farmers National Banc has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Farmers National Banc's 5-Year RORE % compare to FCBC and CCBG?
According to the Banks industry distribution chart, Farmers National Banc ranks #1156 out of 1400 companies for 5-Year RORE %. This places Farmers National Banc in the lower half of its industry. The industry median 5-Year RORE % is 10.36. 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 10.36, based on 1,400 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 Farmers National Banc and its competitors. For the Banks industry, the median 5-Year RORE % is 10.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Farmers National Banc's current 5-Year RORE % is -5.24. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Farmers National Banc stock overvalued right now?
Based on GuruFocus' analysis, Farmers National Banc (FMNB) is currently considered Modestly Overvalued. The stock's GF Value™ is $13.85, compared to a current price of $15.67 — trading 13.1% above its estimated fair value. The current 5-Year RORE % is -5.24. Farmers National Banc's overall GF Score™ is 58/100 with 7 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 Farmers National Banc (FMNB), the current 5-Year RORE % is -5.24 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 Farmers National Banc (FMNB) Overvalued in 2026?
Based on GuruFocus' analysis, Farmers National Banc stock appears to be overvalued.
The current stock price of $15.67 is trading 13.1% above its estimated GF Value™ of $13.85.
GuruFocus considers Farmers National Banc to be Modestly Overvalued.
Key valuation signals for FMNB:
5-Year RORE %: -5.24
GF Value™: $13.85 vs. price of $15.67 (13.1% above fair value)
No single metric tells the full story. See the FMNB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Farmers National Banc Corp is a financial holding company based in the U.S. Along with its subsidiaries, it operates in the domestic banking, trust, retirement consulting, insurance, and financial management industries. The group offers a full range of commercial and retail banking services, including checking accounts, savings accounts, time deposit accounts, commercial, mortgage, and installment loans, safe deposit boxes, ATMs, internet banking, and other banking services. Additionally, it offers personal and corporate trust services in the areas of estate settlement, trust administration, employee benefit plans, and retirement services; insurance products, and other financial products and services. The group's reportable segments are Bank, which generates the maximum revenue, and Trust.
58GF Score
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