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.
Hachijuni Nagano Bank's 3-Year RORE % for the quarter that ended in Mar. 2026 was 25.25%.
The industry rank for Hachijuni Nagano Bank's 3-Year RORE % or its related term are showing as below:
HACBY's 3-Year RORE % is ranked better than 84.66% of 1473
companies
in the Banks industry
Industry Median: 9.87
vs HACBY: 25.25
Hachijuni Nagano Bank (OTCPK:HACBY) 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.
Hachijuni Nagano Bank 3-Year RORE % Related Terms
Hachijuni Nagano Bank 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Hachijuni Nagano Bank'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.
Hachijuni Nagano Bank 3-Year RORE % Competitor Comparison
For the Banks - Regional subindustry, Hachijuni Nagano Bank'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.
Hachijuni Nagano Bank 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Hachijuni Nagano Bank's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Hachijuni Nagano Bank'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.
Hachijuni Nagano Bank (HACBY) has a 3-Year RORE % of 25.25 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 Hachijuni Nagano Bank and its competitors. According to the industry distribution chart, Hachijuni Nagano Bank ranks #226 out of 1473 companies in the Banks industry, placing it in the top 15.3%.
Is Hachijuni Nagano Bank's 3-Year RORE % too high?
Hachijuni Nagano Bank's current 3-Year RORE % is 25.25. The Banks industry median 3-Year RORE % is 9.87. Hachijuni Nagano Bank's value of 25.25 is 155.8% above this industry median. Based on the distribution chart, Hachijuni Nagano Bank ranks #226 out of 1473 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Hachijuni Nagano Bank has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hachijuni Nagano Bank's 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, Hachijuni Nagano Bank ranks #226 out of 1473 companies for 3-Year RORE %. This places Hachijuni Nagano Bank in the top 15% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 9.87. Hachijuni Nagano Bank's value of 25.25 is 155.8% 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. Hachijuni Nagano Bank's current 3-Year RORE % of 25.25 is 155.8% 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 Hachijuni Nagano Bank 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. Hachijuni Nagano Bank's current 3-Year RORE % is 25.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hachijuni Nagano Bank stock overvalued right now?
Based on GuruFocus' analysis, Hachijuni Nagano Bank (HACBY) is currently considered Significantly Overvalued. The stock's GF Value™ is $20.33, compared to a current price of $27.21 — trading 33.8% above its estimated fair value. The current 3-Year RORE % is 25.25 and 155.8% above the Banks industry median of 9.87. Hachijuni Nagano Bank's overall GF Score™ is 60/100 with 6 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 Hachijuni Nagano Bank (HACBY), the current 3-Year RORE % is 25.25 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 Hachijuni Nagano Bank (HACBY) Overvalued in 2026?
Based on GuruFocus' analysis, Hachijuni Nagano Bank stock appears to be overvalued.
The current stock price of $27.21 is trading 33.8% above its estimated GF Value™ of $20.33.
GuruFocus considers Hachijuni Nagano Bank to be Significantly Overvalued.
Key valuation signals for HACBY:
3-Year RORE %: 25.25
GF Value™: $20.33 vs. price of $27.21 (33.8% above fair value)
Industry Position: 155.8% above the Banks median (#226 of 1473)
No single metric tells the full story. See the HACBY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hachijuni Nagano Bank Ltd is a Japan-based company that is principally engaged in banking. The company is a regional bank, with its business mainly based in Nagano Prefecture. The company's core business segments comprise the leasing business segment and the banking business segment, which encompasses the banking and credit card operations. The company generates the majority of revenue from the banking business segment. The majority of its branches are located in certain areas of Japan, and the firm also has a business presence in overseas markets such as Hong Kong, Dalian, Shanghai, and Bangkok.
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