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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.
CB First Investment Bank AD's 3-Year RORE % for the quarter that ended in Mar. 2026 was 9.42%.
FRA:834's 3-Year RORE % is ranked worse than 51.97% of 1472
companies
in the Banks industry
Industry Median: 9.905
vs FRA:834: 9.42
CB First Investment Bank AD (FRA:834) 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 First Investment Bank AD 3-Year RORE % Related Terms
CB First Investment Bank AD 3-Year RORE % Historical Data
* 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, CB First Investment 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 First Investment Bank AD 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, CB First Investment Bank AD's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where CB First Investment Bank AD'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.
CB First Investment Bank AD (FRA:834) has a 3-Year RORE % of 9.42 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 CB First Investment Bank AD and its competitors. According to the industry distribution chart, CB First Investment Bank AD ranks #765 out of 1472 companies in the Banks industry, placing it in the top 52%.
Is CB First Investment Bank AD's 3-Year RORE % too high?
CB First Investment Bank AD's current 3-Year RORE % is 9.42. The Banks industry median 3-Year RORE % is 9.91. CB First Investment Bank AD's value of 9.42 is 4.9% below this industry median. Based on the distribution chart, CB First Investment Bank AD ranks #765 out of 1472 companies in the Banks industry, which is below the industry midpoint. Overall, CB First Investment Bank AD has a GF Score™ of 63/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does CB First Investment Bank AD's 3-Year RORE % compare to PNC and USB?
According to the Banks industry distribution chart, CB First Investment Bank AD ranks #765 out of 1472 companies for 3-Year RORE %. This places CB First Investment Bank AD in the lower half of its industry. The industry median 3-Year RORE % is 9.91. CB First Investment Bank AD's value of 9.42 is 4.9% 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 9.91, 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. CB First Investment Bank AD's current 3-Year RORE % of 9.42 is 4.9% 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 CB First Investment Bank AD and its competitors. For the Banks industry, the median 3-Year RORE % is 9.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CB First Investment Bank AD's current 3-Year RORE % is 9.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CB First Investment Bank AD stock overvalued right now?
Based on GuruFocus' analysis, CB First Investment Bank AD (FRA:834) is currently considered Significantly Undervalued. The stock's GF Value™ is €4.55, compared to a current price of €3.12 — trading 31.4% below its estimated fair value. The current 3-Year RORE % is 9.42 and 4.9% below the Banks industry median of 9.91. CB First Investment Bank AD's overall GF Score™ is 63/100 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 CB First Investment Bank AD (FRA:834), the current 3-Year RORE % is 9.42 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 CB First Investment Bank AD (FRA:834) Overvalued in 2026?
Based on GuruFocus' analysis, CB First Investment Bank AD stock appears to be undervalued.
The current stock price of €3.12 is trading 31.4% below its estimated GF Value™ of €4.55.
GuruFocus considers CB First Investment Bank AD to be Significantly Undervalued.
Key valuation signals for FRA:834:
3-Year RORE %: 9.42
GF Value™: €4.55 vs. price of €3.12 (31.4% below fair value)
Industry Position: 4.9% below the Banks median (#765 of 1472)
No single metric tells the full story. See the FRA:834 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CB First Investment Bank AD provides banking services. The company provides Retail banking; Microlending; SME banking; Corporate banking; Card payments; Digital banking; Trade financing; International payments; Corporate lending, and others. Geographically the group operates principally in Bulgaria but also has operations in Cyprus and Albania.
63GF Score
Get the complete analysis for FRA:834
3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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