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.
Bendigo and Adelaide Bank's 3-Year RORE % for the quarter that ended in Dec. 2025 was 262.50%.
The industry rank for Bendigo and Adelaide Bank's 3-Year RORE % or its related term are showing as below:
BXRBF's 3-Year RORE % is ranked better than 98.37% of 1472
companies
in the Banks industry
Industry Median: 9.93
vs BXRBF: 262.50
Bendigo and Adelaide Bank (OTCPK:BXRBF) 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.
Bendigo and Adelaide Bank 3-Year RORE % Related Terms
Bendigo and Adelaide 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.
For the Banks - Regional subindustry, Bendigo and Adelaide 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.
Bendigo and Adelaide Bank 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Bendigo and Adelaide Bank's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Bendigo and Adelaide 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 Dec. 2025 and 3-year before.
Bendigo and Adelaide Bank (BXRBF) has a 3-Year RORE % of 262.50 as of Dec. 2025. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Bendigo and Adelaide Bank and its competitors. According to the industry distribution chart, Bendigo and Adelaide Bank ranks #24 out of 1472 companies in the Banks industry, placing it in the top 1.6%.
Is Bendigo and Adelaide Bank's 3-Year RORE % too high?
Bendigo and Adelaide Bank's current 3-Year RORE % is 262.50. The Banks industry median 3-Year RORE % is 9.93. Bendigo and Adelaide Bank's value of 262.50 is 2543.5% above this industry median. Based on the distribution chart, Bendigo and Adelaide Bank ranks #24 out of 1472 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bendigo and Adelaide Bank has a GF Score™ of 55/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bendigo and Adelaide Bank's 3-Year RORE % compare to PNC and USB?
According to the Banks industry distribution chart, Bendigo and Adelaide Bank ranks #24 out of 1472 companies for 3-Year RORE %. This places Bendigo and Adelaide Bank in the top 2% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 9.93. Bendigo and Adelaide Bank's value of 262.50 is 2543.5% 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 9.93, based on 1,472 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. Bendigo and Adelaide Bank's current 3-Year RORE % of 262.50 is 2543.5% 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 Bendigo and Adelaide Bank and its competitors. For the Banks industry, the median 3-Year RORE % is 9.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bendigo and Adelaide Bank's current 3-Year RORE % is 262.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bendigo and Adelaide Bank stock overvalued right now?
Based on GuruFocus' analysis, Bendigo and Adelaide Bank (BXRBF) is currently considered Fairly Valued. The stock's GF Value™ is $8.34, compared to a current price of $7.71 — trading 7.6% below its estimated fair value. The current 3-Year RORE % is 262.50 and 2543.5% above the Banks industry median of 9.93. Bendigo and Adelaide Bank's overall GF Score™ is 55/100 with 6 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 Bendigo and Adelaide Bank (BXRBF), the current 3-Year RORE % is 262.50 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 Bendigo and Adelaide Bank (BXRBF) Overvalued in 2026?
Based on GuruFocus' analysis, Bendigo and Adelaide Bank stock appears to be undervalued.
The current stock price of $7.71 is trading 7.6% below its estimated GF Value™ of $8.34.
GuruFocus considers Bendigo and Adelaide Bank to be Fairly Valued.
Key valuation signals for BXRBF:
3-Year RORE %: 262.50
GF Value™: $8.34 vs. price of $7.71 (7.6% below fair value)
Industry Position: 2543.5% above the Banks median (#24 of 1472)
No single metric tells the full story. See the BXRBF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Founded in 1858 as the Bendigo Building Society as a leading regional bank operating in the consumer, small-business, and rural banking sectors, Bendigo gained public goodwill after rolling out branches in locations deserted by major banks in the late 1990s and early 2000s. The Adelaide Bank merger in 2007 diversified the bank into wholesale banking, while expanding the geographical footprint. It is a conservatively managed retail bank with a long history, a well-regarded retail franchise, and high levels of customer and shareholder loyalty.
55GF Score
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3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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