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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.
Harbin Bank Co's 3-Year RORE % for the quarter that ended in Dec. 2025 was 23.08%.
The industry rank for Harbin Bank Co's 3-Year RORE % or its related term are showing as below:
FRA:5H6's 3-Year RORE % is ranked better than 82.53% of 1471
companies
in the Banks industry
Industry Median: 9.93
vs FRA:5H6: 23.08
Harbin Bank Co (FRA:5H6) 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.
Harbin Bank Co 3-Year RORE % Related Terms
Harbin Bank Co 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Harbin Bank Co'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.
Harbin Bank Co 3-Year RORE % Competitor Comparison
For the Banks - Regional subindustry, Harbin Bank Co'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.
Harbin Bank Co 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Harbin Bank Co's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Harbin Bank Co'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 Dec. 2025 and 3-year before.
Harbin Bank Co (FRA:5H6) has a 3-Year RORE % of 23.08 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 Harbin Bank Co and its competitors. According to the industry distribution chart, Harbin Bank Co ranks #257 out of 1471 companies in the Banks industry, placing it in the top 17.5%.
Is Harbin Bank Co's 3-Year RORE % too high?
Harbin Bank Co's current 3-Year RORE % is 23.08. The Banks industry median 3-Year RORE % is 9.93. Harbin Bank Co's value of 23.08 is 132.4% above this industry median. Based on the distribution chart, Harbin Bank Co ranks #257 out of 1471 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Harbin Bank Co has a GF Score™ of 39/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Harbin Bank Co's 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, Harbin Bank Co ranks #257 out of 1471 companies for 3-Year RORE %. This places Harbin Bank Co in the top 18% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 9.93. Harbin Bank Co's value of 23.08 is 132.4% 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 9.93, based on 1,471 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. Harbin Bank Co's current 3-Year RORE % of 23.08 is 132.4% 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 Harbin Bank Co 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. Harbin Bank Co's current 3-Year RORE % is 23.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Harbin Bank Co stock overvalued right now?
Based on GuruFocus' analysis, Harbin Bank Co (FRA:5H6) is currently considered Modestly Overvalued. The stock's GF Value™ is €0.03, compared to a current price of €0.03 — trading 13.3% above its estimated fair value. The current 3-Year RORE % is 23.08 and 132.4% above the Banks industry median of 9.93. Harbin Bank Co's overall GF Score™ is 39/100 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 Harbin Bank Co (FRA:5H6), the current 3-Year RORE % is 23.08 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 Harbin Bank Co (FRA:5H6) Overvalued in 2026?
Based on GuruFocus' analysis, Harbin Bank Co stock appears to be overvalued.
The current stock price of €0.03 is trading 13.3% above its estimated GF Value™ of €0.03.
GuruFocus considers Harbin Bank Co to be Modestly Overvalued.
Key valuation signals for FRA:5H6:
3-Year RORE %: 23.08
GF Value™: €0.03 vs. price of €0.03 (13.3% above fair value)
Industry Position: 132.4% above the Banks median (#257 of 1471)
No single metric tells the full story. See the FRA:5H6 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Harbin Bank Co Ltd provides deposit services, loan services, payment and settlement services and financial leasing services, as well as other financial services approved by the NFRA. Its segments include Corporate financial business, Retail financial business, Interbank financial business, and Other business. The majority of the revenue is derived from Corporate financial business which provides financial products and services to corporate customers, including deposits, loans, settlement and clearing and other products and services relating to the trading business. Its geographical segments include Heilongjiang region, Other regions in Northeastern China, Southwestern China, and Other regions.
39GF Score
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3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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