Banque Marocaine pour le Commerce et l'Industrie (CAS:BCI) 3-Year RORE % : 87.60% (As of Mar. 2026)


CAS:BCI Banque Marocaine pour le Commerce et l'Industrie SA CAS:BCI
43 GF Score
Price MAD624.90
GF Value MAD636.33
Valuation Fairly Valued
! 4 Warning Signs
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What is Banque Marocaine pour le Commerce et l'Industrie 3-Year RORE %?

Banque Marocaine pour le Commerce et l'Industrie CAS:BCI -0.18% 43 3-Year RORE % is 87.60 as of Mar. 2026. GuruFocus rates CAS:BCI with a GF Score™ of 43/100 and a GF Value™ of MAD636.33 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,472 Banks companies, Banque Marocaine pour le Commerce et l'Industrie ranks better than 94.9% on this metric.

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. Banque Marocaine pour le Commerce et l'Industrie's 3-Year RORE % for the quarter that ended in Mar. 2026 was 87.60%.

The industry rank for Banque Marocaine pour le Commerce et l'Industrie's 3-Year RORE % or its related term are showing as below:

CAS:BCI's 3-Year RORE % is ranked better than
94.9% of 1472 companies
in the Banks industry
Industry Median: 9.93 vs CAS:BCI: 87.60

Banque Marocaine pour le Commerce et l'Industrie  (CAS:BCI) 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.


Banque Marocaine pour le Commerce et l'Industrie 3-Year RORE % Related Terms


Banque Marocaine pour le Commerce et l'Industrie 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for Banque Marocaine pour le Commerce et l'Industrie's 3-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.

Banque Marocaine pour le Commerce et l'Industrie 3-Year RORE % Chart

Banque Marocaine pour le Commerce et l'Industrie Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
3-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1,382.52 -56.74 7.31 93.36 135.77

Banque Marocaine pour le Commerce et l'Industrie Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
3-Year RORE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 60.17 -28.44 -9.84 135.77 87.60

CAS:BCI vs PNC, USB: 3-Year RORE % Comparison

For the Banks - Regional subindustry, Banque Marocaine pour le Commerce et l'Industrie'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.


Banque Marocaine pour le Commerce et l'Industrie 3-Year RORE % vs Banks Industry

For the Banks industry and Financial Services sector, Banque Marocaine pour le Commerce et l'Industrie's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where Banque Marocaine pour le Commerce et l'Industrie's 3-Year RORE % falls into.


CAS:BCI
43GF Score
Banque Marocaine pour le Commerce et l'Industrie SA CAS:BCI
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Banque Marocaine pour le Commerce et l'Industrie 3-Year RORE % Calculation

Banque Marocaine pour le Commerce et l'Industrie's 3-Year RORE % for the quarter that ended in Mar. 2026 is calculated as:

3-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 3-year -Cumulative Dividends per Share for 3-year )
=( 36.277-16.525 )/( 76.548-54 )
=19.752/22.548
=87.60 %

* 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.

Frequently Asked Questions Learn more about 3-Year RORE % →
What does a 3-Year RORE % of 87.60 mean?
Banque Marocaine pour le Commerce et l'Industrie (CAS:BCI) has a 3-Year RORE % of 87.60 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 Banque Marocaine pour le Commerce et l'Industrie and its competitors. According to the industry distribution chart, Banque Marocaine pour le Commerce et l'Industrie ranks #75 out of 1472 companies in the Banks industry, placing it in the top 5.1%.
Is Banque Marocaine pour le Commerce et l'Industrie's 3-Year RORE % too high?
Banque Marocaine pour le Commerce et l'Industrie's current 3-Year RORE % is 87.60. The Banks industry median 3-Year RORE % is 9.93. Banque Marocaine pour le Commerce et l'Industrie's value of 87.60 is 782.2% above this industry median. Based on the distribution chart, Banque Marocaine pour le Commerce et l'Industrie ranks #75 out of 1472 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Banque Marocaine pour le Commerce et l'Industrie has a GF Score™ of 43/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Banque Marocaine pour le Commerce et l'Industrie's 3-Year RORE % compare to PNC and USB?
According to the Banks industry distribution chart, Banque Marocaine pour le Commerce et l'Industrie ranks #75 out of 1472 companies for 3-Year RORE %. This places Banque Marocaine pour le Commerce et l'Industrie in the top 5% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 9.93. Banque Marocaine pour le Commerce et l'Industrie's value of 87.60 is 782.2% 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 9.93, 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. Banque Marocaine pour le Commerce et l'Industrie's current 3-Year RORE % of 87.60 is 782.2% 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 Banque Marocaine pour le Commerce et l'Industrie 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. Banque Marocaine pour le Commerce et l'Industrie's current 3-Year RORE % is 87.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banque Marocaine pour le Commerce et l'Industrie stock overvalued right now?
Based on GuruFocus' analysis, Banque Marocaine pour le Commerce et l'Industrie (CAS:BCI) is currently considered Fairly Valued. The stock's GF Value™ is MAD636.33, compared to a current price of MAD624.90 — trading 1.8% below its estimated fair value. The current 3-Year RORE % is 87.60 and 782.2% above the Banks industry median of 9.93. Banque Marocaine pour le Commerce et l'Industrie's overall GF Score™ is 43/100 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 Banque Marocaine pour le Commerce et l'Industrie (CAS:BCI), the current 3-Year RORE % is 87.60 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 Banque Marocaine pour le Commerce et l'Industrie (CAS:BCI) Overvalued in 2026?

Based on GuruFocus' analysis, Banque Marocaine pour le Commerce et l'Industrie stock appears to be undervalued. The current stock price of MAD624.90 is trading 1.8% below its estimated GF Value™ of MAD636.33. GuruFocus considers Banque Marocaine pour le Commerce et l'Industrie to be Fairly Valued.

Key valuation signals for CAS:BCI:

  • 3-Year RORE %: 87.60
  • GF Value™: MAD636.33 vs. price of MAD624.90 (1.8% below fair value)
  • GF Score™: 43/100 with 4 warning signs
  • Industry Position: 782.2% above the Banks median (#75 of 1472)

No single metric tells the full story. See the CAS:BCI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Banque Marocaine pour le Commerce et l'Industrie Business Description

Address 26, place des Nations Unies, Casablanca, MAR, 20000
Banque Marocaine pour le Commerce et l'Industrie SA is a Morocco-based banking firm. The company provides retail and corporate banking services. It also provides investment, insurance, credit and other services. In addition, it offers remote banking, furniture and real estate leasing and asset management services.
43GF Score

Get the complete analysis for CAS:BCI

3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

MAD624.90
Price
MAD636.33
GF Value