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.
Nam A Commercial Joint Stock Bank's 3-Year RORE % for the quarter that ended in Mar. 2026 was 12.60%.
STC:NAB's 3-Year RORE % is ranked better than 55.19% of 1475
companies
in the Banks industry
Industry Median: 9.92
vs STC:NAB: 12.60
Nam A Commercial Joint Stock Bank (STC:NAB) 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.
Nam A Commercial Joint Stock Bank 3-Year RORE % Related Terms
Nam A Commercial Joint Stock Bank 3-Year RORE % Historical Data
* 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.
Nam A Commercial Joint Stock Bank 3-Year RORE % Chart
Nam A Commercial Joint Stock Bank 3-Year RORE % Competitor Comparison
For the Banks - Regional subindustry, Nam A Commercial Joint Stock 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.
Nam A Commercial Joint Stock Bank 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Nam A Commercial Joint Stock Bank's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Nam A Commercial Joint Stock 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.
Nam A Commercial Joint Stock Bank (STC:NAB) has a 3-Year RORE % of 12.60 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 Nam A Commercial Joint Stock Bank and its competitors. According to the industry distribution chart, Nam A Commercial Joint Stock Bank ranks #661 out of 1475 companies in the Banks industry, placing it in the top 44.8%.
Is Nam A Commercial Joint Stock Bank's 3-Year RORE % too high?
Nam A Commercial Joint Stock Bank's current 3-Year RORE % is 12.60. The Banks industry median 3-Year RORE % is 9.92. Nam A Commercial Joint Stock Bank's value of 12.60 is 27% above this industry median. Based on the distribution chart, Nam A Commercial Joint Stock Bank ranks #661 out of 1475 companies in the Banks industry, which is above the industry midpoint. Overall, Nam A Commercial Joint Stock Bank has a GF Score™ of 56/100, reflecting its overall financial health beyond just this single metric.
How does Nam A Commercial Joint Stock Bank's 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, Nam A Commercial Joint Stock Bank ranks #661 out of 1475 companies for 3-Year RORE %. This puts Nam A Commercial Joint Stock Bank in the upper half of its industry. The industry median 3-Year RORE % is 9.92. Nam A Commercial Joint Stock Bank's value of 12.60 is 27% 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 1,475 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. Nam A Commercial Joint Stock Bank's current 3-Year RORE % of 12.60 is 27% 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 Nam A Commercial Joint Stock Bank 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. Nam A Commercial Joint Stock Bank's current 3-Year RORE % is 12.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nam A Commercial Joint Stock Bank stock overvalued right now?
Nam A Commercial Joint Stock Bank (STC:NAB) has a current 3-Year RORE % of 12.60. The current 3-Year RORE % is 12.60 and 27% above the Banks industry median of 9.92. Nam A Commercial Joint Stock Bank's overall GF Score™ is 56/100 with 3 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 Nam A Commercial Joint Stock Bank (STC:NAB), the current 3-Year RORE % is 12.60 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.
Nam A Commercial Joint Stock Bank Business Description
Nam A Commercial Joint Stock Bank is engaged in providing banking services such as mobilizing short, medium and long-term funds in the form of term deposits, demand deposits, cod; receiving entrusted investment and development funds, borrowings from other financial institutions; granting short, medium and long-term loans; discounting of commercial notes, bonds and valuable papers; contributing capital and investing in joint-ventures, settlement services to customers, trading foreign currencies, gold, international payment, mobilizing overseas funds and other banking services to overseas counterparties; preserving assets, leasing cabinets and safes; insurance agency; credit granting; debt purchasing; trading and providing forex services on domestic and international market and others.
56GF Score
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