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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.
National Bank of Fujairah PSC's 3-Year RORE % for the quarter that ended in Mar. 2026 was 32.16%.
ADX:NBF's 3-Year RORE % is ranked better than 83.87% of 1469
companies
in the Banks industry
Industry Median: 9.92
vs ADX:NBF: 32.16
National Bank of Fujairah PSC (ADX:NBF) 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.
National Bank of Fujairah PSC 3-Year RORE % Related Terms
National Bank of Fujairah PSC 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.
National Bank of Fujairah PSC 3-Year RORE % Competitor Comparison
For the Banks - Regional subindustry, National Bank of Fujairah PSC'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.
National Bank of Fujairah PSC 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, National Bank of Fujairah PSC's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where National Bank of Fujairah PSC'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.
National Bank of Fujairah PSC (ADX:NBF) has a 3-Year RORE % of 32.16 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 National Bank of Fujairah PSC and its competitors. According to the industry distribution chart, National Bank of Fujairah PSC ranks #237 out of 1469 companies in the Banks industry, placing it in the top 16.1%.
Is National Bank of Fujairah PSC's 3-Year RORE % too high?
National Bank of Fujairah PSC's current 3-Year RORE % is 32.16. The Banks industry median 3-Year RORE % is 9.92. National Bank of Fujairah PSC's value of 32.16 is 224.2% above this industry median. Based on the distribution chart, National Bank of Fujairah PSC ranks #237 out of 1469 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, National Bank of Fujairah PSC has a GF Score™ of 56/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does National Bank of Fujairah PSC's 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, National Bank of Fujairah PSC ranks #237 out of 1469 companies for 3-Year RORE %. This places National Bank of Fujairah PSC in the top 16% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 9.92. National Bank of Fujairah PSC's value of 32.16 is 224.2% 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 1,469 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. National Bank of Fujairah PSC's current 3-Year RORE % of 32.16 is 224.2% 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 National Bank of Fujairah PSC 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. National Bank of Fujairah PSC's current 3-Year RORE % is 32.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Bank of Fujairah PSC stock overvalued right now?
Based on GuruFocus' analysis, National Bank of Fujairah PSC (ADX:NBF) is currently considered Fairly Valued. The stock's GF Value™ is د.إ5.15, compared to a current price of د.إ5.00 — trading 2.9% below its estimated fair value. The current 3-Year RORE % is 32.16 and 224.2% above the Banks industry median of 9.92. National Bank of Fujairah PSC's overall GF Score™ is 56/100 with 5 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 National Bank of Fujairah PSC (ADX:NBF), the current 3-Year RORE % is 32.16 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 National Bank of Fujairah PSC (ADX:NBF) Overvalued in 2026?
Based on GuruFocus' analysis, National Bank of Fujairah PSC stock appears to be undervalued.
The current stock price of د.إ5.00 is trading 2.9% below its estimated GF Value™ of د.إ5.15.
GuruFocus considers National Bank of Fujairah PSC to be Fairly Valued.
Key valuation signals for ADX:NBF:
3-Year RORE %: 32.16
GF Value™: د.إ5.15 vs. price of د.إ5.00 (2.9% below fair value)
Industry Position: 224.2% above the Banks median (#237 of 1469)
No single metric tells the full story. See the ADX:NBF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
National Bank of Fujairah PSC Business Description
National Bank of Fujairah PSC is a UAE-based commercial bank. It provides commercial banking products and services in the United Arab Emirates. The group conducts its activity through segments namely, Corporate and Institutional Banking; Business Banking, Retail Banking; and Treasury, Asset and Liability Management and others. Its products and services include current, savings and fixed deposit, and personal, auto, home, and construction loans, as well as guarantees, overdrafts, and term lending solutions. The company's majority of the revenue is generated from the Business Banking segment which offers a products and services including credit and trade finance products, and services to small and medium sized customers through separate units and accepts deposits.
56GF Score
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