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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.
Patria Bank's 3-Year RORE % for the quarter that ended in Mar. 2026 was 13.16%.
The industry rank for Patria Bank's 3-Year RORE % or its related term are showing as below:
LTS:0DPO's 3-Year RORE % is ranked better than 56.22% of 1471
companies
in the Banks industry
Industry Median: 9.89
vs LTS:0DPO: 13.16
Patria Bank (LTS:0DPO) 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.
Patria Bank 3-Year RORE % Related Terms
Patria Bank 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Patria 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.
For the Banks - Regional subindustry, Patria 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.
Patria Bank 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Patria Bank's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Patria 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.
Patria Bank (LTS:0DPO) has a 3-Year RORE % of 13.16 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 Patria Bank and its competitors. According to the industry distribution chart, Patria Bank ranks #644 out of 1471 companies in the Banks industry, placing it in the top 43.8%.
Is Patria Bank's 3-Year RORE % too high?
Patria Bank's current 3-Year RORE % is 13.16. The Banks industry median 3-Year RORE % is 9.89. Patria Bank's value of 13.16 is 33.1% above this industry median. Based on the distribution chart, Patria Bank ranks #644 out of 1471 companies in the Banks industry, which is above the industry midpoint. Overall, Patria Bank has a GF Score™ of 38/100, reflecting its overall financial health beyond just this single metric.
How does Patria Bank's 3-Year RORE % compare to PNC and USB?
According to the Banks industry distribution chart, Patria Bank ranks #644 out of 1471 companies for 3-Year RORE %. This puts Patria Bank in the upper half of its industry. The industry median 3-Year RORE % is 9.89. Patria Bank's value of 13.16 is 33.1% 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. Patria Bank's current 3-Year RORE % of 13.16 is 33.1% 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 Patria Bank 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. Patria Bank's current 3-Year RORE % is 13.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Patria Bank stock overvalued right now?
Patria Bank (LTS:0DPO) has a current 3-Year RORE % of 13.16. The stock's GF Value™ is lei0.07, compared to a current price of lei0.10 — trading 44.3% above its estimated fair value. The current 3-Year RORE % is 13.16 and 33.1% above the Banks industry median of 9.89. Patria Bank's overall GF Score™ is 38/100 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 Patria Bank (LTS:0DPO), the current 3-Year RORE % is 13.16 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 Patria Bank (LTS:0DPO) Overvalued in 2026?
Based on GuruFocus' analysis, Patria Bank stock appears to be overvalued.
The current stock price of lei0.10 is trading 44.3% above its estimated GF Value™ of lei0.07.
Key valuation signals for LTS:0DPO:
3-Year RORE %: 13.16
GF Value™: lei0.07 vs. price of lei0.10 (44.3% above fair value)
Industry Position: 33.1% above the Banks median (#644 of 1471)
No single metric tells the full story. See the LTS:0DPO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Patria Bank SA provides the whole range of banking services for individuals and legal entities, including deposits, cash management, lending and foreign exchange operations. It provides traditional banking services and products, including payment orders, documentary transactions and issuance of letters of credit and guarantees. The company carries out its activity in Romania.
38GF Score
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