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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.
Ogaki Kyoritsu Bank's 3-Year RORE % for the quarter that ended in Mar. 2026 was 31.93%.
The industry rank for Ogaki Kyoritsu Bank's 3-Year RORE % or its related term are showing as below:
TSE:8361's 3-Year RORE % is ranked better than 83.74% of 1470
companies
in the Banks industry
Industry Median: 9.95
vs TSE:8361: 31.93
Ogaki Kyoritsu Bank (TSE:8361) 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.
Ogaki Kyoritsu Bank 3-Year RORE % Related Terms
Ogaki Kyoritsu Bank 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Ogaki Kyoritsu 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.
Ogaki Kyoritsu Bank 3-Year RORE % Competitor Comparison
For the Banks - Regional subindustry, Ogaki Kyoritsu 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.
Ogaki Kyoritsu Bank 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Ogaki Kyoritsu Bank's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Ogaki Kyoritsu 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.
Ogaki Kyoritsu Bank (TSE:8361) has a 3-Year RORE % of 31.93 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 Ogaki Kyoritsu Bank and its competitors. According to the industry distribution chart, Ogaki Kyoritsu Bank ranks #239 out of 1470 companies in the Banks industry, placing it in the top 16.3%.
Is Ogaki Kyoritsu Bank's 3-Year RORE % too high?
Ogaki Kyoritsu Bank's current 3-Year RORE % is 31.93. The Banks industry median 3-Year RORE % is 9.95. Ogaki Kyoritsu Bank's value of 31.93 is 220.9% above this industry median. Based on the distribution chart, Ogaki Kyoritsu Bank ranks #239 out of 1470 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Ogaki Kyoritsu Bank has a GF Score™ of 52/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ogaki Kyoritsu Bank's 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, Ogaki Kyoritsu Bank ranks #239 out of 1470 companies for 3-Year RORE %. This places Ogaki Kyoritsu Bank in the top 16% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 9.95. Ogaki Kyoritsu Bank's value of 31.93 is 220.9% 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 9.95, based on 1,470 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. Ogaki Kyoritsu Bank's current 3-Year RORE % of 31.93 is 220.9% 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 Ogaki Kyoritsu Bank and its competitors. For the Banks industry, the median 3-Year RORE % is 9.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ogaki Kyoritsu Bank's current 3-Year RORE % is 31.93. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ogaki Kyoritsu Bank stock overvalued right now?
Based on GuruFocus' analysis, Ogaki Kyoritsu Bank (TSE:8361) is currently considered Significantly Overvalued. The stock's GF Value™ is 円2,953.84, compared to a current price of 円7,060.00 — trading 139% above its estimated fair value. The current 3-Year RORE % is 31.93 and 220.9% above the Banks industry median of 9.95. Ogaki Kyoritsu Bank's overall GF Score™ is 52/100 with 1 warning sign 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 Ogaki Kyoritsu Bank (TSE:8361), the current 3-Year RORE % is 31.93 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 Ogaki Kyoritsu Bank (TSE:8361) Overvalued in 2026?
Based on GuruFocus' analysis, Ogaki Kyoritsu Bank stock appears to be overvalued.
The current stock price of 円7,060.00 is trading 139% above its estimated GF Value™ of 円2,953.84.
GuruFocus considers Ogaki Kyoritsu Bank to be Significantly Overvalued.
Key valuation signals for TSE:8361:
3-Year RORE %: 31.93
GF Value™: 円2,953.84 vs. price of 円7,060.00 (139% above fair value)
Industry Position: 220.9% above the Banks median (#239 of 1470)
No single metric tells the full story. See the TSE:8361 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ogaki Kyoritsu Bank Ltd is a Japanese regional bank operating primarily in the island nation's Chubu region. The majority of the bank's branches and locations are in the Gifu and Aichi prefectures, along with its loans and deposits. The balance of the bank's deposits is primarily located in Gifu, while more of the loan balances are located in Aichi. While the bank has few locations in Tokyo/Osaka, it still has a sizable portion of its loan book exposed to the region. The bank has focused its efforts on easing customer access to conduct transactions through financial technology and information technology innovation. Most of its earning assets are in loans and bills discounted, and securities.
52GF Score
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3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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