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.
Primary Bk's 5-Year RORE % for the quarter that ended in Dec. 2025 was 5.31%.
The industry rank for Primary Bk's 5-Year RORE % or its related term are showing as below:
PRMY's 5-Year RORE % is ranked worse than 62.05% of 1415
companies
in the Banks industry
Industry Median: 9.67
vs PRMY: 5.31
Primary Bk (OTCPK:PRMY) 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.
Primary Bk 5-Year RORE % Related Terms
Primary Bk 5-Year RORE % Historical Data
* Premium members only.
The historical data trend for Primary Bk'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.
PRMY vs SRBK, BEOB, FSRL: 5-Year RORE % Comparison
For the Banks - Regional subindustry, Primary Bk'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.
Primary Bk 5-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Primary Bk's 5-Year RORE % distribution charts can be found below:
* The bar in red indicates where Primary Bk'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.
Primary Bk (PRMY) has a 5-Year RORE % of 5.31 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 Primary Bk and its competitors. According to the industry distribution chart, Primary Bk ranks #878 out of 1415 companies in the Banks industry, placing it in the top 62%.
Is Primary Bk's 5-Year RORE % too high?
Primary Bk's current 5-Year RORE % is 5.31. The Banks industry median 5-Year RORE % is 9.67. Primary Bk's value of 5.31 is 45.1% below this industry median. Based on the distribution chart, Primary Bk ranks #878 out of 1415 companies in the Banks industry, which is below the industry midpoint. Overall, Primary Bk has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Primary Bk's 5-Year RORE % compare to SRBK and BEOB?
According to the Banks industry distribution chart, Primary Bk ranks #878 out of 1415 companies for 5-Year RORE %. This places Primary Bk in the lower half of its industry. The industry median 5-Year RORE % is 9.67. Primary Bk's value of 5.31 is 45.1% below 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 9.67, based on 1,415 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. Primary Bk's current 5-Year RORE % of 5.31 is 45.1% below 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 Primary Bk and its competitors. For the Banks industry, the median 5-Year RORE % is 9.67 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Primary Bk's current 5-Year RORE % is 5.31. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Primary Bk stock overvalued right now?
Based on GuruFocus' analysis, Primary Bk (PRMY) is currently considered Modestly Overvalued. The stock's GF Value™ is $25.60, compared to a current price of $30.20 — trading 18% above its estimated fair value. The current 5-Year RORE % is 5.31 and 45.1% below the Banks industry median of 9.67. Primary Bk's overall GF Score™ is 60/100 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 Primary Bk (PRMY), the current 5-Year RORE % is 5.31 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 Primary Bk (PRMY) Overvalued in 2026?
Based on GuruFocus' analysis, Primary Bk stock appears to be overvalued.
The current stock price of $30.20 is trading 18% above its estimated GF Value™ of $25.60.
GuruFocus considers Primary Bk to be Modestly Overvalued.
Key valuation signals for PRMY:
5-Year RORE %: 5.31
GF Value™: $25.60 vs. price of $30.20 (18% above fair value)
Industry Position: 45.1% below the Banks median (#878 of 1415)
No single metric tells the full story. See the PRMY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Primary Bk is a banking service provider. The services offered by the bank include online banking, mobile banking, remote deposit, cash management, and credit cards. The Bank provides a variety of financial services to small and medium-sized businesses, professionals, municipalities, and not-for-profit organizations through its offices in Bedford, Manchester, Derry, and Nashua, New Hampshire.
60GF 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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