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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.
City Union Bank's 3-Year RORE % for the quarter that ended in Mar. 2026 was 9.87%.
The industry rank for City Union Bank's 3-Year RORE % or its related term are showing as below:
NSE:CUB's 3-Year RORE % is ranked worse than 50.17% of 1471
companies
in the Banks industry
Industry Median: 9.89
vs NSE:CUB: 9.87
City Union Bank (NSE:CUB) 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.
City Union Bank 3-Year RORE % Related Terms
City Union Bank 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for City Union 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.
City Union Bank 3-Year RORE % Competitor Comparison
For the Banks - Regional subindustry, City Union 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.
City Union Bank 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, City Union Bank's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where City Union 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.
City Union Bank (NSE:CUB) has a 3-Year RORE % of 9.87 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 City Union Bank and its competitors. According to the industry distribution chart, City Union Bank ranks #738 out of 1471 companies in the Banks industry, placing it in the top 50.2%.
Is City Union Bank's 3-Year RORE % too high?
City Union Bank's current 3-Year RORE % is 9.87. The Banks industry median 3-Year RORE % is 9.89. City Union Bank's value of 9.87 is 0.2% below this industry median. Based on the distribution chart, City Union Bank ranks #738 out of 1471 companies in the Banks industry, which is below the industry midpoint. Overall, City Union Bank has a GF Score™ of 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does City Union Bank's 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, City Union Bank ranks #738 out of 1471 companies for 3-Year RORE %. This places City Union Bank in the lower half of its industry. The industry median 3-Year RORE % is 9.89. City Union Bank's value of 9.87 is 0.2% 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 9.89, 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. City Union Bank's current 3-Year RORE % of 9.87 is 0.2% 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 City Union 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. City Union Bank's current 3-Year RORE % is 9.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is City Union Bank stock overvalued right now?
Based on GuruFocus' analysis, City Union Bank (NSE:CUB) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹174.57, compared to a current price of ₹224.63 — trading 28.7% above its estimated fair value. The current 3-Year RORE % is 9.87 and 0.2% below the Banks industry median of 9.89. City Union Bank's overall GF Score™ is 76/100 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 City Union Bank (NSE:CUB), the current 3-Year RORE % is 9.87 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 City Union Bank (NSE:CUB) Overvalued in 2026?
Based on GuruFocus' analysis, City Union Bank stock appears to be overvalued.
The current stock price of ₹224.63 is trading 28.7% above its estimated GF Value™ of ₹174.57.
GuruFocus considers City Union Bank to be Modestly Overvalued.
Key valuation signals for NSE:CUB:
3-Year RORE %: 9.87
GF Value™: ₹174.57 vs. price of ₹224.63 (28.7% above fair value)
Industry Position: 0.2% below the Banks median (#738 of 1471)
No single metric tells the full story. See the NSE:CUB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
City Union Bank Ltd is a provider of banking products and services to individuals and corporations in India. The company is based in India, and generates the entirety of its revenue domestically. City Union Bank operates through four segments: Corporate banking, Treasury, Retail Banking and Other Banking Operations. Of these, Retail Banking contributes for maximum of the bank's revenues. Services offered to clients include savings and current accounts, deposits, credit, foreign deposits, auto loans, educational loans, consumer and jewel loans, life insurance, general insurance and online banking services.
76GF Score
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