CBWA (Commencement Bancorp) 3-Year RORE % : 30.93% (As of Mar. 2026)


CBWA Commencement Bancorp Inc CBWA
68 GF Score
Price $17.55
GF Value $17.09
Valuation Fairly Valued
! 2 Warning Signs
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What is Commencement Bancorp 3-Year RORE %?

Commencement Bancorp CBWA 68 3-Year RORE % is 30.93 as of Mar. 2026. GuruFocus rates CBWA with a GF Score™ of 68/100 and a GF Value™ of $17.09 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,472 Banks companies, Commencement Bancorp ranks better than 83.08% 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. Commencement Bancorp's 3-Year RORE % for the quarter that ended in Mar. 2026 was 30.93%.

The industry rank for Commencement Bancorp's 3-Year RORE % or its related term are showing as below:

CBWA's 3-Year RORE % is ranked better than
83.08% of 1472 companies
in the Banks industry
Industry Median: 9.93 vs CBWA: 30.93

Commencement Bancorp  (OTCPK:CBWA) 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.


Commencement Bancorp 3-Year RORE % Related Terms


Commencement Bancorp 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for Commencement Bancorp'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.

Commencement Bancorp 3-Year RORE % Chart

Commencement Bancorp 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 -4.69 12.33 -7.66 -20.29 30.64

Commencement Bancorp 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 -12.65 -2.90 12.85 30.64 30.93

CBWA vs ASRV, MVLY, HFBK: 3-Year RORE % Comparison

For the Banks - Regional subindustry, Commencement Bancorp'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.


Commencement Bancorp 3-Year RORE % vs Banks Industry

For the Banks industry and Financial Services sector, Commencement Bancorp's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where Commencement Bancorp's 3-Year RORE % falls into.


CBWA
68GF Score
Commencement Bancorp Inc CBWA
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Commencement Bancorp 3-Year RORE % Calculation

Commencement Bancorp'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 )
=( 1.88-0.772 )/( 3.582-0 )
=1.108/3.582
=30.93 %

* 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 30.93 mean?
Commencement Bancorp (CBWA) has a 3-Year RORE % of 30.93 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 Commencement Bancorp and its competitors. According to the industry distribution chart, Commencement Bancorp ranks #249 out of 1472 companies in the Banks industry, placing it in the top 16.9%.
Is Commencement Bancorp's 3-Year RORE % too high?
Commencement Bancorp's current 3-Year RORE % is 30.93. The Banks industry median 3-Year RORE % is 9.93. Commencement Bancorp's value of 30.93 is 211.5% above this industry median. Based on the distribution chart, Commencement Bancorp ranks #249 out of 1472 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Commencement Bancorp has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Commencement Bancorp's 3-Year RORE % compare to ASRV and MVLY?
According to the Banks industry distribution chart, Commencement Bancorp ranks #249 out of 1472 companies for 3-Year RORE %. This places Commencement Bancorp in the top 17% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 9.93. Commencement Bancorp's value of 30.93 is 211.5% 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. Commencement Bancorp's current 3-Year RORE % of 30.93 is 211.5% 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 Commencement Bancorp 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. Commencement Bancorp's current 3-Year RORE % is 30.93. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Commencement Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Commencement Bancorp (CBWA) is currently considered Fairly Valued. The stock's GF Value™ is $17.09, compared to a current price of $17.55 — trading 2.7% above its estimated fair value. The current 3-Year RORE % is 30.93 and 211.5% above the Banks industry median of 9.93. Commencement Bancorp's overall GF Score™ is 68/100 with 2 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 Commencement Bancorp (CBWA), the current 3-Year RORE % is 30.93 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 Commencement Bancorp (CBWA) Overvalued in 2026?

Based on GuruFocus' analysis, Commencement Bancorp stock appears to be overvalued. The current stock price of $17.55 is trading 2.7% above its estimated GF Value™ of $17.09. GuruFocus considers Commencement Bancorp to be Fairly Valued.

Key valuation signals for CBWA:

  • 3-Year RORE %: 30.93
  • GF Value™: $17.09 vs. price of $17.55 (2.7% above fair value)
  • GF Score™: 68/100 with 2 warning signs
  • Industry Position: 211.5% above the Banks median (#249 of 1472)

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


Commencement Bancorp Business Description

Address 1313 Broadway, Suite 400, Tacoma, WA, USA, 98402
Commencement Bancorp Inc is a holding company that operates through its subsidiary. It provides loan and deposit services to customers, who are predominately individuals and small and midsized businesses in western Washington. The company offers banking products and services such as Personal Banking which includes Personal Checking, Personal Loans & Credit, Savings & Money markets, Business Banking which includes Business Loans, Checking & Savings, Business Services, and Merchant Services.
68GF Score

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

$17.55
Price
$17.09
GF Value