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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.
Oita Bank's 10-Year RORE % for the quarter that ended in Mar. 2026 was 9.26%.
The industry rank for Oita Bank's 10-Year RORE % or its related term are showing as below:
FSE:8392's 10-Year RORE % is ranked worse than 54.13% of 1090
companies
in the Banks industry
Industry Median: 10.33
vs FSE:8392: 9.26
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, 10-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.
Oita Bank 10-Year RORE % Related Terms
Oita Bank 10-Year RORE % Historical Data
* Premium members only.
The historical data trend for Oita Bank's 10-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.
For the Banks - Regional subindustry, Oita Bank's 10-Year RORE %, along with its competitors' market caps and 10-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.
Oita Bank 10-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Oita Bank's 10-Year RORE % distribution charts can be found below:
* The bar in red indicates where Oita Bank's 10-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 10-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 10-year before.
Oita Bank (FSE:8392) has a 10-Year RORE % of 9.26 as of Mar. 2026. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on Oita Bank and its competitors. According to the industry distribution chart, Oita Bank ranks #590 out of 1090 companies in the Banks industry, placing it in the top 54.1%.
Is Oita Bank's 10-Year RORE % too high?
Oita Bank's current 10-Year RORE % is 9.26. The Banks industry median 10-Year RORE % is 10.33. Oita Bank's value of 9.26 is 10.4% below this industry median. Based on the distribution chart, Oita Bank ranks #590 out of 1090 companies in the Banks industry, which is below the industry midpoint. Overall, Oita Bank has a GF Score™ of 50/100, reflecting its overall financial health beyond just this single metric.
How does Oita Bank's 10-Year RORE % compare to competitors?
According to the Banks industry distribution chart, Oita Bank ranks #590 out of 1090 companies for 10-Year RORE %. This places Oita Bank in the lower half of its industry. The industry median 10-Year RORE % is 10.33. Oita Bank's value of 9.26 is 10.4% 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 10-Year RORE % for a Banks company?
The median 10-Year RORE % among Banks companies is 10.33, based on 1,090 companies in the industry. Companies in the top quartile (top 25%) have a 10-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 10-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oita Bank's current 10-Year RORE % of 9.26 is 10.4% 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 10-Year RORE % mean?
A high 10-Year RORE % can signal that a stock is expensive relative to its fundamentals. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on Oita Bank and its competitors. For the Banks industry, the median 10-Year RORE % is 10.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oita Bank's current 10-Year RORE % is 9.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Oita Bank stock overvalued right now?
Oita Bank (FSE:8392) has a current 10-Year RORE % of 9.26. The stock's GF Value™ is 円312.10, compared to a current price of 円1,016.00 — trading 225.5% above its estimated fair value. The current 10-Year RORE % is 9.26 and 10.4% below the Banks industry median of 10.33. Oita Bank's overall GF Score™ is 50/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 10-Year RORE % calculated?
10-Year RORE % is calculated from a company's financial statements. For Oita Bank (FSE:8392), the current 10-Year RORE % is 9.26 as of Mar. 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 Oita Bank (FSE:8392) Overvalued in 2026?
Based on GuruFocus' analysis, Oita Bank stock appears to be overvalued.
The current stock price of 円1,016.00 is trading 225.5% above its estimated GF Value™ of 円312.10.
Key valuation signals for FSE:8392:
10-Year RORE %: 9.26
GF Value™: 円312.10 vs. price of 円1,016.00 (225.5% above fair value)
Industry Position: 10.4% below the Banks median (#590 of 1090)
No single metric tells the full story. See the FSE:8392 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Oita Bank Ltd is a Japanese regional bank operating primarily in the Oita prefecture, located in the southwest of the nation's archipelago. The bank emphasizes a community-based strategy to create value alongside its operating region. It provides financial services to businesses and individuals, including banking, leasing, and credit cards. A majority of the bank's earning assets are in loans and bills discounted, followed by investment securities. Most of the bank's income is overwhelmingly net interest income, followed by fees and commissions.
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