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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.
Carter Bankshares's 3-Year RORE % for the quarter that ended in Mar. 2026 was 62.84%.
The industry rank for Carter Bankshares's 3-Year RORE % or its related term are showing as below:
FRA:6NH's 3-Year RORE % is ranked better than 92.75% of 1475
companies
in the Banks industry
Industry Median: 9.92
vs FRA:6NH: 62.84
Carter Bankshares (FRA:6NH) 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.
Carter Bankshares 3-Year RORE % Related Terms
Carter Bankshares 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Carter Bankshares'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.
FRA:6NH vs IBCP, CWBC, FISI: 3-Year RORE % Comparison
For the Banks - Regional subindustry, Carter Bankshares'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.
Carter Bankshares 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Carter Bankshares's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Carter Bankshares'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.
Carter Bankshares (FRA:6NH) has a 3-Year RORE % of 62.84 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 Carter Bankshares and its competitors. According to the industry distribution chart, Carter Bankshares ranks #107 out of 1475 companies in the Banks industry, placing it in the top 7.3%.
Is Carter Bankshares' 3-Year RORE % too high?
Carter Bankshares' current 3-Year RORE % is 62.84. The Banks industry median 3-Year RORE % is 9.92. Carter Bankshares' value of 62.84 is 533.5% above this industry median. Based on the distribution chart, Carter Bankshares ranks #107 out of 1475 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Carter Bankshares has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Carter Bankshares' 3-Year RORE % compare to IBCP and CWBC?
According to the Banks industry distribution chart, Carter Bankshares ranks #107 out of 1475 companies for 3-Year RORE %. This places Carter Bankshares in the top 7% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 9.92. Carter Bankshares' value of 62.84 is 533.5% 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 9.92, based on 1,475 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. Carter Bankshares's current 3-Year RORE % of 62.84 is 533.5% 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 Carter Bankshares 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. Carter Bankshares's current 3-Year RORE % is 62.84. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Carter Bankshares stock overvalued right now?
Based on GuruFocus' analysis, Carter Bankshares (FRA:6NH) is currently considered Fairly Valued. The stock's GF Value™ is €26.61, compared to a current price of €27.80 — trading 4.5% above its estimated fair value. The current 3-Year RORE % is 62.84 and 533.5% above the Banks industry median of 9.92. Carter Bankshares' overall GF Score™ is 65/100 with 5 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 Carter Bankshares (FRA:6NH), the current 3-Year RORE % is 62.84 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 Carter Bankshares (FRA:6NH) Overvalued in 2026?
Based on GuruFocus' analysis, Carter Bankshares stock appears to be overvalued.
The current stock price of €27.80 is trading 4.5% above its estimated GF Value™ of €26.61.
GuruFocus considers Carter Bankshares to be Fairly Valued.
Key valuation signals for FRA:6NH:
3-Year RORE %: 62.84
GF Value™: €26.61 vs. price of €27.80 (4.5% above fair value)
Industry Position: 533.5% above the Banks median (#107 of 1475)
No single metric tells the full story. See the FRA:6NH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Carter Bankshares Inc is a bank holding company that conducts its business solely through the bank. The Bank earns revenue from interest on loans and securities and fees charged for financial services provided to customers. It offers a full range of deposit services including Lifetime Free Checking, interest checking accounts, savings accounts, retirement accounts and other deposit accounts of various types, ranging from money market accounts to longer-term CDs. The Bank offers a full range of commercial and consumer loans. The Bank also originates and holds fixed and variable-rate mortgage loans and offers home equity lines of credit to its customers.
65GF Score
Get the complete analysis for FRA:6NH
3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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