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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.
United Bankshares's 3-Year RORE % for the quarter that ended in Mar. 2026 was 16.22%.
The industry rank for United Bankshares's 3-Year RORE % or its related term are showing as below:
FRA:UNK's 3-Year RORE % is ranked better than 72.33% of 1471
companies
in the Banks industry
Industry Median: 9.89
vs FRA:UNK: 16.22
United Bankshares (FRA:UNK) 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.
United Bankshares 3-Year RORE % Related Terms
United Bankshares 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for United 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:UNK vs FLG, ABCB, HWC: 3-Year RORE % Comparison
For the Banks - Regional subindustry, United 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.
United Bankshares 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, United Bankshares's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where United 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.
United Bankshares (FRA:UNK) has a 3-Year RORE % of 16.22 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 United Bankshares and its competitors. According to the industry distribution chart, United Bankshares ranks #407 out of 1471 companies in the Banks industry, placing it in the top 27.7%.
Is United Bankshares' 3-Year RORE % too high?
United Bankshares' current 3-Year RORE % is 16.22. The Banks industry median 3-Year RORE % is 9.89. United Bankshares' value of 16.22 is 64% above this industry median. Based on the distribution chart, United Bankshares ranks #407 out of 1471 companies in the Banks industry, which is above the industry midpoint. Overall, United Bankshares has a GF Score™ of 62/100, reflecting its overall financial health beyond just this single metric.
How does United Bankshares' 3-Year RORE % compare to FLG and ABCB?
According to the Banks industry distribution chart, United Bankshares ranks #407 out of 1471 companies for 3-Year RORE %. This puts United Bankshares in the upper half of its industry. The industry median 3-Year RORE % is 9.89. United Bankshares' value of 16.22 is 64% 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 9.89, 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. United Bankshares's current 3-Year RORE % of 16.22 is 64% 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 United Bankshares and its competitors. For the Banks industry, the median 3-Year RORE % is 9.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bankshares's current 3-Year RORE % is 16.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Bankshares stock overvalued right now?
United Bankshares (FRA:UNK) has a current 3-Year RORE % of 16.22. The stock's GF Value™ is €36.61, compared to a current price of €41.80 — trading 14.2% above its estimated fair value. The current 3-Year RORE % is 16.22 and 64% above the Banks industry median of 9.89. United Bankshares' overall GF Score™ is 62/100 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 United Bankshares (FRA:UNK), the current 3-Year RORE % is 16.22 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 United Bankshares (FRA:UNK) Overvalued in 2026?
Based on GuruFocus' analysis, United Bankshares stock appears to be overvalued.
The current stock price of €41.80 is trading 14.2% above its estimated GF Value™ of €36.61.
Key valuation signals for FRA:UNK:
3-Year RORE %: 16.22
GF Value™: €36.61 vs. price of €41.80 (14.2% above fair value)
Industry Position: 64% above the Banks median (#407 of 1471)
No single metric tells the full story. See the FRA:UNK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
United Bankshares Inc is a financial holding company that provides banking services. The company operates in one segment: Community banking, which offers a full range-of-products and services through various delivery channels. Included among the banking products and services offered are the acceptance of deposits in checking, savings, time, and money market accounts; the making and servicing of personal, credit card, commercial, and floor plan loans; and the making of construction and real estate loans, as well as the origination and sale of residential mortgages in the secondary market. Also offered are trust and brokerage services, safe deposit boxes, and wire transfers.
62GF 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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