Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
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.
San-in Godo Bank's 3-Year RORE % for the quarter that ended in Mar. 2026 was 13.18%.
The industry rank for San-in Godo Bank's 3-Year RORE % or its related term are showing as below:
SGDBF's 3-Year RORE % is ranked better than 65.67% of 1471
companies
in the Banks industry
Industry Median: 9.89
vs SGDBF: 13.18
San-in Godo Bank (OTCPK:SGDBF) 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.
San-in Godo Bank 3-Year RORE % Related Terms
San-in Godo Bank 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for San-in Godo 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.
San-in Godo Bank 3-Year RORE % Competitor Comparison
For the Banks - Regional subindustry, San-in Godo 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.
San-in Godo Bank 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, San-in Godo Bank's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where San-in Godo 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.
San-in Godo Bank (SGDBF) has a 3-Year RORE % of 13.18 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 San-in Godo Bank and its competitors. According to the industry distribution chart, San-in Godo Bank ranks #505 out of 1471 companies in the Banks industry, placing it in the top 34.3%.
Is San-in Godo Bank's 3-Year RORE % too high?
San-in Godo Bank's current 3-Year RORE % is 13.18. The Banks industry median 3-Year RORE % is 9.89. San-in Godo Bank's value of 13.18 is 33.3% above this industry median. Based on the distribution chart, San-in Godo Bank ranks #505 out of 1471 companies in the Banks industry, which is above the industry midpoint. Overall, San-in Godo Bank has a GF Score™ of 51/100, reflecting its overall financial health beyond just this single metric.
How does San-in Godo Bank's 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, San-in Godo Bank ranks #505 out of 1471 companies for 3-Year RORE %. This puts San-in Godo Bank in the upper half of its industry. The industry median 3-Year RORE % is 9.89. San-in Godo Bank's value of 13.18 is 33.3% 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. San-in Godo Bank's current 3-Year RORE % of 13.18 is 33.3% 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 San-in Godo 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. San-in Godo Bank's current 3-Year RORE % is 13.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is San-in Godo Bank stock overvalued right now?
San-in Godo Bank (SGDBF) has a current 3-Year RORE % of 13.18. The stock's GF Value™ is $5.03, compared to a current price of $8.58 — trading 70.6% above its estimated fair value. The current 3-Year RORE % is 13.18 and 33.3% above the Banks industry median of 9.89. San-in Godo Bank's overall GF Score™ is 51/100 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 San-in Godo Bank (SGDBF), the current 3-Year RORE % is 13.18 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 San-in Godo Bank (SGDBF) Overvalued in 2026?
Based on GuruFocus' analysis, San-in Godo Bank stock appears to be overvalued.
The current stock price of $8.58 is trading 70.6% above its estimated GF Value™ of $5.03.
Key valuation signals for SGDBF:
3-Year RORE %: 13.18
GF Value™: $5.03 vs. price of $8.58 (70.6% above fair value)
Industry Position: 33.3% above the Banks median (#505 of 1471)
No single metric tells the full story. See the SGDBF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
San-in Godo Bank Ltd is a Japanese bank group that operates in the San-in region of western Honshu. It also has a presence in the neighboring Sanyo region and the Hyogo prefecture. The group has two reportable service segments: banking and leasing. Banking constitutes a majority of the group's activities and consists of a deposit, loan, securities investment, and exchange business. The group also engages in a credit guarantee business. Loans and bills discounted and securities constitute a majority of the bank's earning assets.
51GF Score
Get the complete analysis for SGDBF
3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
SGDBF has been successfully added to your 
