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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.
Mutual Federal Bancorp's 5-Year RORE % for the quarter that ended in Dec. 2025 was 12.50%.
The industry rank for Mutual Federal Bancorp's 5-Year RORE % or its related term are showing as below:
MFDB's 5-Year RORE % is ranked better than 57.7% of 1409
companies
in the Banks industry
Industry Median: 10.01
vs MFDB: 12.50
Mutual Federal Bancorp (OTCPK:MFDB) 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.
Mutual Federal Bancorp 5-Year RORE % Related Terms
Mutual Federal Bancorp 5-Year RORE % Historical Data
* 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.
MFDB vs MSBB, LOGN, UNTN: 5-Year RORE % Comparison
For the Banks - Regional subindustry, Mutual Federal Bancorp'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.
Mutual Federal Bancorp 5-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Mutual Federal Bancorp's 5-Year RORE % distribution charts can be found below:
* The bar in red indicates where Mutual Federal Bancorp'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.
Mutual Federal Bancorp (MFDB) has a 5-Year RORE % of 12.50 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 Mutual Federal Bancorp and its competitors. According to the industry distribution chart, Mutual Federal Bancorp ranks #596 out of 1409 companies in the Banks industry, placing it in the top 42.3%.
Is Mutual Federal Bancorp's 5-Year RORE % too high?
Mutual Federal Bancorp's current 5-Year RORE % is 12.50. The Banks industry median 5-Year RORE % is 10.01. Mutual Federal Bancorp's value of 12.50 is 24.9% above this industry median. Based on the distribution chart, Mutual Federal Bancorp ranks #596 out of 1409 companies in the Banks industry, which is above the industry midpoint. Overall, Mutual Federal Bancorp has a GF Score™ of 39/100, reflecting its overall financial health beyond just this single metric.
How does Mutual Federal Bancorp's 5-Year RORE % compare to MSBB and LOGN?
According to the Banks industry distribution chart, Mutual Federal Bancorp ranks #596 out of 1409 companies for 5-Year RORE %. This puts Mutual Federal Bancorp in the upper half of its industry. The industry median 5-Year RORE % is 10.01. Mutual Federal Bancorp's value of 12.50 is 24.9% 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 10.01, based on 1,409 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. Mutual Federal Bancorp's current 5-Year RORE % of 12.50 is 24.9% 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 Mutual Federal Bancorp and its competitors. For the Banks industry, the median 5-Year RORE % is 10.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mutual Federal Bancorp's current 5-Year RORE % is 12.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mutual Federal Bancorp stock overvalued right now?
Mutual Federal Bancorp (MFDB) has a current 5-Year RORE % of 12.50. The stock's GF Value™ is $1.93, compared to a current price of $5.95 — trading 208.3% above its estimated fair value. The current 5-Year RORE % is 12.50 and 24.9% above the Banks industry median of 10.01. Mutual Federal Bancorp's overall GF Score™ is 39/100 with 6 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 Mutual Federal Bancorp (MFDB), the current 5-Year RORE % is 12.50 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 Mutual Federal Bancorp (MFDB) Overvalued in 2026?
Based on GuruFocus' analysis, Mutual Federal Bancorp stock appears to be overvalued.
The current stock price of $5.95 is trading 208.3% above its estimated GF Value™ of $1.93.
Key valuation signals for MFDB:
5-Year RORE %: 12.50
GF Value™: $1.93 vs. price of $5.95 (208.3% above fair value)
Industry Position: 24.9% above the Banks median (#596 of 1409)
No single metric tells the full story. See the MFDB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mutual Federal Bancorp Inc is engaged in providing financial services. The Company's primary deposit products are checking, savings, money market, and certificate of deposit accounts, and its primary lending products are residential & commercial mortgage loans, and commercial business loans.
39GF Score
Get the complete analysis for MFDB
5-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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