CB Central Cooperative Bank AD (FRA:4CF) 3-Year RORE % : 16.92% (As of Dec. 2025)


FRA:4CF CB Central Cooperative Bank AD FRA:4CF
55 GF Score
Price €1.61
GF Value €1.88
! 1 Warning Sign
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What is CB Central Cooperative Bank AD 3-Year RORE %?

CB Central Cooperative Bank AD FRA:4CF 55 3-Year RORE % is 16.92 as of Dec. 2025. GuruFocus rates FRA:4CF with a GF Score™ of 55/100 and a GF Value™ of €1.88. The stock has 1 warning sign investors should review. Among 1,473 Banks companies, CB Central Cooperative Bank AD ranks better than 64.97% 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. CB Central Cooperative Bank AD's 3-Year RORE % for the quarter that ended in Dec. 2025 was 16.92%.

The industry rank for CB Central Cooperative Bank AD's 3-Year RORE % or its related term are showing as below:

FRA:4CF's 3-Year RORE % is ranked better than
64.97% of 1473 companies
in the Banks industry
Industry Median: 9.87 vs FRA:4CF: 16.92

CB Central Cooperative Bank AD  (FRA:4CF) 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.


CB Central Cooperative Bank AD 3-Year RORE % Related Terms


CB Central Cooperative Bank AD 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for CB Central Cooperative Bank AD'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.

CB Central Cooperative Bank AD 3-Year RORE % Chart

CB Central Cooperative Bank AD 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 -8.22 22.70 14.60 31.34 16.92

CB Central Cooperative Bank AD Quarterly Data
Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
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 31.34 26.15 0.00 0.00 16.92

FRA:4CF vs PNC, USB: 3-Year RORE % Comparison

For the Banks - Regional subindustry, CB Central Cooperative Bank AD'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.


CB Central Cooperative Bank AD 3-Year RORE % vs Banks Industry

For the Banks industry and Financial Services sector, CB Central Cooperative Bank AD's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where CB Central Cooperative Bank AD's 3-Year RORE % falls into.


FRA:4CF
55GF Score
CB Central Cooperative Bank AD FRA:4CF
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
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CB Central Cooperative Bank AD 3-Year RORE % Calculation

CB Central Cooperative Bank AD's 3-Year RORE % for the quarter that ended in Dec. 2025 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 )
=( 0.334-0.169 )/( 0.975-0 )
=0.165/0.975
=16.92 %

* 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.

Frequently Asked Questions Learn more about 3-Year RORE % →
What does a 3-Year RORE % of 16.92 mean?
CB Central Cooperative Bank AD (FRA:4CF) has a 3-Year RORE % of 16.92 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 CB Central Cooperative Bank AD and its competitors. According to the industry distribution chart, CB Central Cooperative Bank AD ranks #516 out of 1473 companies in the Banks industry, placing it in the top 35%.
Is CB Central Cooperative Bank AD's 3-Year RORE % too high?
CB Central Cooperative Bank AD's current 3-Year RORE % is 16.92. The Banks industry median 3-Year RORE % is 9.87. CB Central Cooperative Bank AD's value of 16.92 is 71.4% above this industry median. Based on the distribution chart, CB Central Cooperative Bank AD ranks #516 out of 1473 companies in the Banks industry, which is above the industry midpoint. Overall, CB Central Cooperative Bank AD has a GF Score™ of 55/100, reflecting its overall financial health beyond just this single metric.
How does CB Central Cooperative Bank AD's 3-Year RORE % compare to PNC and USB?
According to the Banks industry distribution chart, CB Central Cooperative Bank AD ranks #516 out of 1473 companies for 3-Year RORE %. This puts CB Central Cooperative Bank AD in the upper half of its industry. The industry median 3-Year RORE % is 9.87. CB Central Cooperative Bank AD's value of 16.92 is 71.4% 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 9.87, based on 1,473 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. CB Central Cooperative Bank AD's current 3-Year RORE % of 16.92 is 71.4% 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 CB Central Cooperative Bank AD and its competitors. For the Banks industry, the median 3-Year RORE % is 9.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CB Central Cooperative Bank AD's current 3-Year RORE % is 16.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CB Central Cooperative Bank AD stock overvalued right now?
CB Central Cooperative Bank AD (FRA:4CF) has a current 3-Year RORE % of 16.92. The stock's GF Value™ is €1.88, compared to a current price of €1.61 — trading 14.4% below its estimated fair value. The current 3-Year RORE % is 16.92 and 71.4% above the Banks industry median of 9.87. CB Central Cooperative Bank AD's overall GF Score™ is 55/100 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 CB Central Cooperative Bank AD (FRA:4CF), the current 3-Year RORE % is 16.92 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 CB Central Cooperative Bank AD (FRA:4CF) Overvalued in 2026?

Based on GuruFocus' analysis, CB Central Cooperative Bank AD stock appears to be undervalued. The current stock price of €1.61 is trading 14.4% below its estimated GF Value™ of €1.88.

Key valuation signals for FRA:4CF:

  • 3-Year RORE %: 16.92
  • GF Value™: €1.88 vs. price of €1.61 (14.4% below fair value)
  • GF Score™: 55/100 with 1 warning sign
  • Industry Position: 71.4% above the Banks median (#516 of 1473)

No single metric tells the full story. See the FRA:4CF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


CB Central Cooperative Bank AD Business Description

Other Exchanges CCB:Bulgaria
Address 87 Tsarigradsko Shose Boulevard, Sofia, BGR, 1086
CB Central Cooperative Bank AD is a universal commercial bank. The Bank comprises several products and services in the field of financial intermediation, with an emphasis on SME lending and retail banking. As a universal commercial bank, the company offers an array of financial products and services. The bank is a primary dealer of government securities on the Bulgarian domestic market.
55GF Score

Get the complete analysis for FRA:4CF

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

€1.61
Price
€1.88
GF Value