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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.
Fukuoka Financial Group's 3-Year RORE % for the quarter that ended in Mar. 2026 was 17.54%.
The industry rank for Fukuoka Financial Group's 3-Year RORE % or its related term are showing as below:
TSE:8354's 3-Year RORE % is ranked better than 63.8% of 1467
companies
in the Banks industry
Industry Median: 11.61
vs TSE:8354: 17.54
Fukuoka Financial Group (TSE:8354) 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.
Fukuoka Financial Group 3-Year RORE % Related Terms
Fukuoka Financial Group 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.
Fukuoka Financial Group 3-Year RORE % Competitor Comparison
For the Banks - Regional subindustry, Fukuoka Financial Group'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.
Fukuoka Financial Group 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Fukuoka Financial Group's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Fukuoka Financial Group'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.
Fukuoka Financial Group (TSE:8354) has a 3-Year RORE % of 17.54 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 Fukuoka Financial Group and its competitors. According to the industry distribution chart, Fukuoka Financial Group ranks #531 out of 1467 companies in the Banks industry, placing it in the top 36.2%.
Is Fukuoka Financial Group's 3-Year RORE % too high?
Fukuoka Financial Group's current 3-Year RORE % is 17.54. The Banks industry median 3-Year RORE % is 11.61. Fukuoka Financial Group's value of 17.54 is 51.1% above this industry median. Based on the distribution chart, Fukuoka Financial Group ranks #531 out of 1467 companies in the Banks industry, which is above the industry midpoint. Overall, Fukuoka Financial Group has a GF Score™ of 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Fukuoka Financial Group's 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, Fukuoka Financial Group ranks #531 out of 1467 companies for 3-Year RORE %. This puts Fukuoka Financial Group in the upper half of its industry. The industry median 3-Year RORE % is 11.61. Fukuoka Financial Group's value of 17.54 is 51.1% 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 11.61, based on 1,467 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. Fukuoka Financial Group's current 3-Year RORE % of 17.54 is 51.1% 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 Fukuoka Financial Group and its competitors. For the Banks industry, the median 3-Year RORE % is 11.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fukuoka Financial Group's current 3-Year RORE % is 17.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fukuoka Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Fukuoka Financial Group (TSE:8354) is currently considered Significantly Overvalued. The stock's GF Value™ is 円5,363.09, compared to a current price of 円7,846.00 — trading 46.3% above its estimated fair value. The current 3-Year RORE % is 17.54 and 51.1% above the Banks industry median of 11.61. Fukuoka Financial Group's overall GF Score™ is 62/100 with 5 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 Fukuoka Financial Group (TSE:8354), the current 3-Year RORE % is 17.54 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 Fukuoka Financial Group (TSE:8354) Overvalued in 2026?
Based on GuruFocus' analysis, Fukuoka Financial Group stock appears to be overvalued.
The current stock price of 円7,846.00 is trading 46.3% above its estimated GF Value™ of 円5,363.09.
GuruFocus considers Fukuoka Financial Group to be Significantly Overvalued.
Key valuation signals for TSE:8354:
3-Year RORE %: 17.54
GF Value™: 円5,363.09 vs. price of 円7,846.00 (46.3% above fair value)
Industry Position: 51.1% above the Banks median (#531 of 1467)
No single metric tells the full story. See the TSE:8354 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Fukuoka Financial Group Inc is a Japan-based financial holding company that is principally engaged in the banking business through its subsidiaries, including the Bank of Fukuoka, the Kumamoto Bank, and the Shinwa Bank. The company conducts its core business (banking) through a branch network in Japan and overseas markets, including China, Thailand, Singapore, and the United States. The company also conducts other businesses, such as a securities business, an office work agent business, a loan guarantee business, a credit card business, a collateral valuation business, a consulting business, investments and loans, and others. The company generates the majority of its operating income from Japan.
62GF Score
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