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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.
Isabella Bank's 3-Year RORE % for the quarter that ended in Mar. 2026 was 9.46%.
The industry rank for Isabella Bank's 3-Year RORE % or its related term are showing as below:
FRA:358's 3-Year RORE % is ranked better than 65.01% of 1469
companies
in the Banks industry
Industry Median: 9.92
vs FRA:358: 9.46
Isabella Bank (FRA:358) 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.
Isabella Bank 3-Year RORE % Related Terms
Isabella Bank 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Isabella Bank'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.
For the Banks - Regional subindustry, Isabella 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.
Isabella Bank 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Isabella Bank's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Isabella 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 Mar. 2026 and 3-year before.
Isabella Bank (FRA:358) has a 3-Year RORE % of 9.46 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 Isabella Bank and its competitors. According to the industry distribution chart, Isabella Bank ranks #514 out of 1469 companies in the Banks industry, placing it in the top 35%.
Is Isabella Bank's 3-Year RORE % too high?
Isabella Bank's current 3-Year RORE % is 9.46. The Banks industry median 3-Year RORE % is 9.92. Isabella Bank's value of 9.46 is 4.6% below this industry median. Based on the distribution chart, Isabella Bank ranks #514 out of 1469 companies in the Banks industry, which is above the industry midpoint. Overall, Isabella Bank has a GF Score™ of 64/100, reflecting its overall financial health beyond just this single metric.
How does Isabella Bank's 3-Year RORE % compare to ?
According to the Banks industry distribution chart, Isabella Bank ranks #514 out of 1469 companies for 3-Year RORE %. This puts Isabella Bank in the upper half of its industry. The industry median 3-Year RORE % is 9.92. Isabella Bank's value of 9.46 is 4.6% below 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. Isabella Bank's current 3-Year RORE % of 9.46 is 4.6% below 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 Isabella Bank 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. Isabella Bank's current 3-Year RORE % is 9.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Isabella Bank stock overvalued right now?
Isabella Bank (FRA:358) has a current 3-Year RORE % of 9.46. The stock's GF Value™ is €21.95, compared to a current price of €30.60 — trading 39.4% above its estimated fair value. The current 3-Year RORE % is 9.46 and 4.6% below the Banks industry median of 9.92. Isabella Bank's overall GF Score™ is 64/100 with 3 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 Isabella Bank (FRA:358), the current 3-Year RORE % is 9.46 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 Isabella Bank (FRA:358) Overvalued in 2026?
Based on GuruFocus' analysis, Isabella Bank stock appears to be overvalued.
The current stock price of €30.60 is trading 39.4% above its estimated GF Value™ of €21.95.
Key valuation signals for FRA:358:
3-Year RORE %: 9.46
GF Value™: €21.95 vs. price of €30.60 (39.4% above fair value)
Industry Position: 4.6% below the Banks median (#514 of 1469)
No single metric tells the full story. See the FRA:358 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Isabella Bank Corp is a U.S based financial service holding company. It offers banking services to businesses, institutions, and individuals. The company's lending activities include loans made according to commercial and agricultural operating and real estate purposes, residential real estate loans, and consumer loans. Deposit services offered include checking accounts, savings accounts, certificates of deposit, direct deposits, cash management services, mobile and internet banking, electronic bill pay services and automated teller machines. It also offers full-service trust and brokerage services.
64GF Score
Get the complete analysis for FRA:358
3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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