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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.
Hyakugo Bank's 3-Year RORE % for the quarter that ended in Mar. 2026 was 31.60%.
The industry rank for Hyakugo Bank's 3-Year RORE % or its related term are showing as below:
TSE:8368's 3-Year RORE % is ranked better than 83.49% of 1466
companies
in the Banks industry
Industry Median: 9.925
vs TSE:8368: 31.60
Hyakugo Bank (TSE:8368) 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.
Hyakugo Bank 3-Year RORE % Related Terms
Hyakugo Bank 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Hyakugo 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.
For the Banks - Regional subindustry, Hyakugo 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.
Hyakugo Bank 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Hyakugo Bank's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Hyakugo 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.
Hyakugo Bank (TSE:8368) has a 3-Year RORE % of 31.60 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 Hyakugo Bank and its competitors. According to the industry distribution chart, Hyakugo Bank ranks #242 out of 1466 companies in the Banks industry, placing it in the top 16.5%.
Is Hyakugo Bank's 3-Year RORE % too high?
Hyakugo Bank's current 3-Year RORE % is 31.60. The Banks industry median 3-Year RORE % is 9.93. Hyakugo Bank's value of 31.60 is 218.4% above this industry median. Based on the distribution chart, Hyakugo Bank ranks #242 out of 1466 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Hyakugo Bank has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hyakugo Bank's 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, Hyakugo Bank ranks #242 out of 1466 companies for 3-Year RORE %. This places Hyakugo Bank in the top 17% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 9.93. Hyakugo Bank's value of 31.60 is 218.4% 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 9.93, based on 1,466 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. Hyakugo Bank's current 3-Year RORE % of 31.60 is 218.4% 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 Hyakugo Bank and its competitors. For the Banks industry, the median 3-Year RORE % is 9.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hyakugo Bank's current 3-Year RORE % is 31.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hyakugo Bank stock overvalued right now?
Based on GuruFocus' analysis, Hyakugo Bank (TSE:8368) is currently considered Significantly Overvalued. The stock's GF Value™ is 円917.76, compared to a current price of 円2,080.00 — trading 126.6% above its estimated fair value. The current 3-Year RORE % is 31.60 and 218.4% above the Banks industry median of 9.93. Hyakugo Bank's overall GF Score™ is 56/100 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 Hyakugo Bank (TSE:8368), the current 3-Year RORE % is 31.60 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.
Is Hyakugo Bank (TSE:8368) Overvalued in 2026?
Based on GuruFocus' analysis, Hyakugo Bank stock appears to be overvalued.
The current stock price of 円2,080.00 is trading 126.6% above its estimated GF Value™ of 円917.76.
GuruFocus considers Hyakugo Bank to be Significantly Overvalued.
Key valuation signals for TSE:8368:
3-Year RORE %: 31.60
GF Value™: 円917.76 vs. price of 円2,080.00 (126.6% above fair value)
Industry Position: 218.4% above the Banks median (#242 of 1466)
No single metric tells the full story. See the TSE:8368 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hyakugo Bank Ltd is a Japanese bank that operates primarily in the Mie and Aichi prefectures. The bank's earning assets are just over half in loans and bills discounted and just under half in securities. Its loan portfolio is a diverse mix of loans to individuals, consumers, and small and medium-size companies. Housing loans dominate most loans made to consumers. Most outstanding loans to small and medium-size companies are in the manufacturing, real estate, wholesale and retail, government, financial services, and construction industries. Nearly all of the loans are made in the region the bank operates in. The bank's deposit base mostly originates from individuals.
56GF Score
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