Commercial Bank of Dubai PSC (DFM:CBD) 3-Year RORE % : 17.41% (As of Mar. 2026)


DFM:CBD Commercial Bank of Dubai PSC DFM:CBD
77 GF Score
Price د.إ9.30
GF Value د.إ8.07
Valuation Modestly Overvalued
! 1 Warning Sign
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What is Commercial Bank of Dubai PSC 3-Year RORE %?

Commercial Bank of Dubai PSC DFM:CBD 77 3-Year RORE % is 17.41 as of Mar. 2026. GuruFocus rates DFM:CBD with a GF Score™ of 77/100 and a GF Value™ of د.إ8.07 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 1,472 Banks companies, Commercial Bank of Dubai PSC ranks better than 66.1% 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. Commercial Bank of Dubai PSC's 3-Year RORE % for the quarter that ended in Mar. 2026 was 17.41%.

The industry rank for Commercial Bank of Dubai PSC's 3-Year RORE % or its related term are showing as below:

DFM:CBD's 3-Year RORE % is ranked better than
66.1% of 1472 companies
in the Banks industry
Industry Median: 9.93 vs DFM:CBD: 17.41

Commercial Bank of Dubai PSC  (DFM:CBD) 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.


Commercial Bank of Dubai PSC 3-Year RORE % Related Terms


Commercial Bank of Dubai PSC 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for Commercial Bank of Dubai PSC'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.

Commercial Bank of Dubai PSC 3-Year RORE % Chart

Commercial Bank of Dubai PSC 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 -3.94 24.60 34.61 28.33 17.36

Commercial Bank of Dubai PSC 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 31.06 25.03 19.52 17.36 17.41

Commercial Bank of Dubai PSC 3-Year RORE % Competitor Comparison

For the Banks - Regional subindustry, Commercial Bank of Dubai 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.


Commercial Bank of Dubai PSC 3-Year RORE % vs Banks Industry

For the Banks industry and Financial Services sector, Commercial Bank of Dubai PSC's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where Commercial Bank of Dubai PSC's 3-Year RORE % falls into.


DFM:CBD
77GF Score
Commercial Bank of Dubai PSC DFM:CBD
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Commercial Bank of Dubai PSC 3-Year RORE % Calculation

Commercial Bank of Dubai PSC'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 )
=( 1.14-0.88 )/( 3.03-1.537 )
=0.26/1.493
=17.41 %

* 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 17.41 mean?
Commercial Bank of Dubai PSC (DFM:CBD) has a 3-Year RORE % of 17.41 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 Commercial Bank of Dubai PSC and its competitors. According to the industry distribution chart, Commercial Bank of Dubai PSC ranks #499 out of 1472 companies in the Banks industry, placing it in the top 33.9%.
Is Commercial Bank of Dubai PSC's 3-Year RORE % too high?
Commercial Bank of Dubai PSC's current 3-Year RORE % is 17.41. The Banks industry median 3-Year RORE % is 9.93. Commercial Bank of Dubai PSC's value of 17.41 is 75.3% above this industry median. Based on the distribution chart, Commercial Bank of Dubai PSC ranks #499 out of 1472 companies in the Banks industry, which is above the industry midpoint. Overall, Commercial Bank of Dubai PSC has a GF Score™ of 77/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Commercial Bank of Dubai PSC's 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, Commercial Bank of Dubai PSC ranks #499 out of 1472 companies for 3-Year RORE %. This puts Commercial Bank of Dubai PSC in the upper half of its industry. The industry median 3-Year RORE % is 9.93. Commercial Bank of Dubai PSC's value of 17.41 is 75.3% 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. Commercial Bank of Dubai PSC's current 3-Year RORE % of 17.41 is 75.3% 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 Commercial Bank of Dubai PSC 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. Commercial Bank of Dubai PSC's current 3-Year RORE % is 17.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Commercial Bank of Dubai PSC stock overvalued right now?
Based on GuruFocus' analysis, Commercial Bank of Dubai PSC (DFM:CBD) is currently considered Modestly Overvalued. The stock's GF Value™ is د.إ8.07, compared to a current price of د.إ9.30 — trading 15.2% above its estimated fair value. The current 3-Year RORE % is 17.41 and 75.3% above the Banks industry median of 9.93. Commercial Bank of Dubai PSC's overall GF Score™ is 77/100 with 1 warning sign 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 Commercial Bank of Dubai PSC (DFM:CBD), the current 3-Year RORE % is 17.41 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 Commercial Bank of Dubai PSC (DFM:CBD) Overvalued in 2026?

Based on GuruFocus' analysis, Commercial Bank of Dubai PSC stock appears to be overvalued. The current stock price of د.إ9.30 is trading 15.2% above its estimated GF Value™ of د.إ8.07. GuruFocus considers Commercial Bank of Dubai PSC to be Modestly Overvalued.

Key valuation signals for DFM:CBD:

  • 3-Year RORE %: 17.41
  • GF Value™: د.إ8.07 vs. price of د.إ9.30 (15.2% above fair value)
  • GF Score™: 77/100 with 1 warning sign
  • Industry Position: 75.3% above the Banks median (#499 of 1472)

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


Commercial Bank of Dubai PSC Business Description

Address Al Ittihad Street, P.O. Box 2668, Dubai, ARE
Commercial Bank of Dubai PSC is a banking firm operating in the United Arab Emirates with four segments: Institutional Banking, Corporate Banking, Personal Banking, and Trading and Other. Institutional Banking provides loans, deposits, trade finance, and e-commerce solutions to institutional clients, including government entities. Corporate Banking serves mid-sized and emerging corporates with loans, working capital, trade finance, and deposits. Personal Banking, which generates maximum revenue, offers accounts, loans, mortgages, and other credit facilities to small businesses and retail clients. Trading and Other manages the Group's balance sheet, investment portfolio, and derivatives for trading and risk management purposes. The Group operates exclusively in the United Arab Emirates.
77GF Score

Get the complete analysis for DFM:CBD

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

د.إ9.30
Price
د.إ8.07
GF Value