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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.
Abu Dhabi Commercial Bank's 3-Year RORE % for the quarter that ended in Mar. 2026 was 23.20%.
The industry rank for Abu Dhabi Commercial Bank's 3-Year RORE % or its related term are showing as below:
ADX:ADCB's 3-Year RORE % is ranked better than 74.51% of 1475
companies
in the Banks industry
Industry Median: 9.92
vs ADX:ADCB: 23.20
Abu Dhabi Commercial Bank (ADX:ADCB) 3-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, 3-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.
Abu Dhabi Commercial Bank 3-Year RORE % Related Terms
Abu Dhabi Commercial Bank 3-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.
Abu Dhabi Commercial Bank 3-Year RORE % Competitor Comparison
For the Banks - Regional subindustry, Abu Dhabi Commercial Bank's 3-Year RORE %, along with its competitors' market caps and 3-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.
Abu Dhabi Commercial Bank 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Abu Dhabi Commercial Bank's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Abu Dhabi Commercial Bank's 3-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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Abu Dhabi Commercial Bank (ADX:ADCB) has a 3-Year RORE % of 23.20 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Abu Dhabi Commercial Bank and its competitors. According to the industry distribution chart, Abu Dhabi Commercial Bank ranks #376 out of 1475 companies in the Banks industry, placing it in the top 25.5%.
Is Abu Dhabi Commercial Bank's 3-Year RORE % too high?
Abu Dhabi Commercial Bank's current 3-Year RORE % is 23.20. The Banks industry median 3-Year RORE % is 9.92. Abu Dhabi Commercial Bank's value of 23.20 is 133.9% above this industry median. Based on the distribution chart, Abu Dhabi Commercial Bank ranks #376 out of 1475 companies in the Banks industry, which is above the industry midpoint. Overall, Abu Dhabi Commercial Bank has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Abu Dhabi Commercial Bank's 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, Abu Dhabi Commercial Bank ranks #376 out of 1475 companies for 3-Year RORE %. This puts Abu Dhabi Commercial Bank in the upper half of its industry. The industry median 3-Year RORE % is 9.92. Abu Dhabi Commercial Bank's value of 23.20 is 133.9% 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 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.92, based on 1,475 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Abu Dhabi Commercial Bank's current 3-Year RORE % of 23.20 is 133.9% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Abu Dhabi Commercial Bank and its competitors. For the Banks industry, the median 3-Year RORE % is 9.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Abu Dhabi Commercial Bank's current 3-Year RORE % is 23.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Abu Dhabi Commercial Bank stock overvalued right now?
Based on GuruFocus' analysis, Abu Dhabi Commercial Bank (ADX:ADCB) is currently considered Fairly Valued. The stock's GF Value™ is د.إ13.57, compared to a current price of د.إ14.40 — trading 6.1% above its estimated fair value. The current 3-Year RORE % is 23.20 and 133.9% above the Banks industry median of 9.92. Abu Dhabi Commercial Bank's overall GF Score™ is 61/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Abu Dhabi Commercial Bank (ADX:ADCB), the current 3-Year RORE % is 23.20 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 Abu Dhabi Commercial Bank (ADX:ADCB) Overvalued in 2026?
Based on GuruFocus' analysis, Abu Dhabi Commercial Bank stock appears to be overvalued.
The current stock price of د.إ14.40 is trading 6.1% above its estimated GF Value™ of د.إ13.57.
GuruFocus considers Abu Dhabi Commercial Bank to be Fairly Valued.
Key valuation signals for ADX:ADCB:
3-Year RORE %: 23.20
GF Value™: د.إ13.57 vs. price of د.إ14.40 (6.1% above fair value)
Industry Position: 133.9% above the Banks median (#376 of 1475)
No single metric tells the full story. See the ADX:ADCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Abu Dhabi Commercial Bank is principally engaged in the business of retail, commercial and Islamic banking, and provision of other financial services. Its segments include Retail banking, Private banking, Corporate and investment banking, Investments and treasury, and Others. The majority of the revenue is derived from Corporate and investment banking segment that comprises of business banking, cash management, trade finance, corporate finance, small and medium enterprise financing, investment banking, Islamic financing, infrastructure and asset finance, government and public enterprises. It includes loans, deposits and other transactions and balances with corporate customers.
61GF Score
Get the complete analysis for ADX:ADCB
3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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