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MCNB BanksMKIN 47 3-Year RORE % is 17.17 as of Dec. 2025. GuruFocus rates MKIN with a GF Score™ of 47/100 and a GF Value™ of $19.49 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,471 Banks companies, MCNB Banks ranks better than 65.06% on this metric.
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.
MCNB Banks's 3-Year RORE % for the quarter that ended in Dec. 2025 was 17.17%.
The industry rank for MCNB Banks's 3-Year RORE % or its related term are showing as below:
MKIN's 3-Year RORE % is ranked better than 65.06% of 1471
companies
in the Banks industry
Industry Median: 9.92
vs MKIN: 17.17
MCNB Banks (OTCPK:MKIN) 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.
MCNB Banks 3-Year RORE % Related Terms
MCNB Banks 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for MCNB Banks'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.
MKIN vs GOVB, CIBN, FLEW: 3-Year RORE % Comparison
For the Banks - Regional subindustry, MCNB Banks'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.
MCNB Banks 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, MCNB Banks's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where MCNB Banks'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 Dec. 2025 and 3-year before.
MCNB Banks (MKIN) has a 3-Year RORE % of 17.17 as of Dec. 2025. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on MCNB Banks and its competitors. According to the industry distribution chart, MCNB Banks ranks #514 out of 1471 companies in the Banks industry, placing it in the top 34.9%.
Is MCNB Banks' 3-Year RORE % too high?
MCNB Banks' current 3-Year RORE % is 17.17. The Banks industry median 3-Year RORE % is 9.92. MCNB Banks' value of 17.17 is 73.1% above this industry median. Based on the distribution chart, MCNB Banks ranks #514 out of 1471 companies in the Banks industry, which is above the industry midpoint. Overall, MCNB Banks has a GF Score™ of 47/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does MCNB Banks' 3-Year RORE % compare to GOVB and CIBN?
According to the Banks industry distribution chart, MCNB Banks ranks #514 out of 1471 companies for 3-Year RORE %. This puts MCNB Banks in the upper half of its industry. The industry median 3-Year RORE % is 9.92. MCNB Banks' value of 17.17 is 73.1% 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 9.92, 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. MCNB Banks's current 3-Year RORE % of 17.17 is 73.1% 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 MCNB Banks 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. MCNB Banks's current 3-Year RORE % is 17.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MCNB Banks stock overvalued right now?
Based on GuruFocus' analysis, MCNB Banks (MKIN) is currently considered Fairly Valued. The stock's GF Value™ is $19.49, compared to a current price of $19.45 — trading 0.2% below its estimated fair value. The current 3-Year RORE % is 17.17 and 73.1% above the Banks industry median of 9.92. MCNB Banks' overall GF Score™ is 47/100 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 MCNB Banks (MKIN), the current 3-Year RORE % is 17.17 as of Dec. 2025. 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 MCNB Banks (MKIN) Overvalued in 2026?
Based on GuruFocus' analysis, MCNB Banks stock appears to be undervalued.
The current stock price of $19.45 is trading 0.2% below its estimated GF Value™ of $19.49.
GuruFocus considers MCNB Banks to be Fairly Valued.
Key valuation signals for MKIN:
3-Year RORE %: 17.17
GF Value™: $19.49 vs. price of $19.45 (0.2% below fair value)
Industry Position: 73.1% above the Banks median (#514 of 1471)
No single metric tells the full story. See the MKIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
MCNB Banks Inc provides personal banking, business banking, loans, trust & financial services. It provides retail and commercial loan and deposit services, along with trust services, principally to individuals and small businesses. It also offers trust and financial services, comprising investment portfolio management, custodian, estate planning and administration, retirement, trust, financial planning, and online account access services. Company loan segment includes: Residential real estate loan, Commercial real estate loans, Commercial loan, Consumer and other loans.
47GF Score
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