Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
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.
AGRAM BANKA dionicko drustvo's 10-Year RORE % for the quarter that ended in Jun. 2026 was 20.58%.
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.
AGRAM BANKA dionicko drustvo 10-Year RORE % Related Terms
AGRAM BANKA dionicko drustvo 10-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.
For the Banks - Regional subindustry, AGRAM BANKA dionicko drustvo'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.
AGRAM BANKA dionicko drustvo 10-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, AGRAM BANKA dionicko drustvo's 10-Year RORE % distribution charts can be found below:
* The bar in red indicates where AGRAM BANKA dionicko drustvo'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 Jun. 2026 and 10-year before.
AGRAM BANKA dionicko drustvo (ZAG:KBZ) has a 10-Year RORE % of 20.58 as of Jun. 2026. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on AGRAM BANKA dionicko drustvo and its competitors. According to the industry distribution chart, AGRAM BANKA dionicko drustvo ranks #372 out of 1090 companies in the Banks industry, placing it in the top 34.1%.
Is AGRAM BANKA dionicko drustvo's 10-Year RORE % too high?
AGRAM BANKA dionicko drustvo's current 10-Year RORE % is 20.58. The Banks industry median 10-Year RORE % is 10.19. AGRAM BANKA dionicko drustvo's value of 20.58 is 102.1% above this industry median. Based on the distribution chart, AGRAM BANKA dionicko drustvo ranks #372 out of 1090 companies in the Banks industry, which is above the industry midpoint. Overall, AGRAM BANKA dionicko drustvo has a GF Score™ of 80/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does AGRAM BANKA dionicko drustvo's 10-Year RORE % compare to PNC and USB?
According to the Banks industry distribution chart, AGRAM BANKA dionicko drustvo ranks #372 out of 1090 companies for 10-Year RORE %. This puts AGRAM BANKA dionicko drustvo in the upper half of its industry. The industry median 10-Year RORE % is 10.19. AGRAM BANKA dionicko drustvo's value of 20.58 is 102.1% 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 10-Year RORE % for a Banks company?
The median 10-Year RORE % among Banks companies is 10.19, 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. AGRAM BANKA dionicko drustvo's current 10-Year RORE % of 20.58 is 102.1% 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 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 AGRAM BANKA dionicko drustvo and its competitors. For the Banks industry, the median 10-Year RORE % is 10.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AGRAM BANKA dionicko drustvo's current 10-Year RORE % is 20.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AGRAM BANKA dionicko drustvo stock overvalued right now?
Based on GuruFocus' analysis, AGRAM BANKA dionicko drustvo (ZAG:KBZ) is currently considered Fairly Valued. The stock's GF Value™ is €36.52, compared to a current price of €38.00 — trading 4.1% above its estimated fair value. The current 10-Year RORE % is 20.58 and 102.1% above the Banks industry median of 10.19. AGRAM BANKA dionicko drustvo's overall GF Score™ is 80/100 with 3 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 AGRAM BANKA dionicko drustvo (ZAG:KBZ), the current 10-Year RORE % is 20.58 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 AGRAM BANKA dionicko drustvo (ZAG:KBZ) Overvalued in 2026?
Based on GuruFocus' analysis, AGRAM BANKA dionicko drustvo stock appears to be overvalued.
The current stock price of €38.00 is trading 4.1% above its estimated GF Value™ of €36.52.
GuruFocus considers AGRAM BANKA dionicko drustvo to be Fairly Valued.
Key valuation signals for ZAG:KBZ:
10-Year RORE %: 20.58
GF Value™: €36.52 vs. price of €38.00 (4.1% above fair value)
Industry Position: 102.1% above the Banks median (#372 of 1090)
No single metric tells the full story. See the ZAG:KBZ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AGRAM BANKA dionicko drustvo provides banking services. The company's operating segment includes Business banking; Retail banking; and Treasury. It generates maximum revenue from Business banking which entails loan guarantees and deposit operations, card operations, and other transactions with clients who are legal entities. Geographically, it has a presence in Germany; Italy; Croatia; Austria; the United States of America, and Spain.
80GF Score
Get the complete analysis for ZAG:KBZ
10-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ZAG:KBZ has been successfully added to your 
