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.
Kiyo Bank's 3-Year RORE % for the quarter that ended in Mar. 2026 was 20.23%.
The industry rank for Kiyo Bank's 3-Year RORE % or its related term are showing as below:
TSE:8370's 3-Year RORE % is ranked better than 70.6% of 1466
companies
in the Banks industry
Industry Median: 9.925
vs TSE:8370: 20.23
Kiyo Bank (TSE:8370) 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.
Kiyo Bank 3-Year RORE % Related Terms
Kiyo Bank 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Kiyo 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, Kiyo 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.
Kiyo Bank 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Kiyo Bank's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Kiyo 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.
Kiyo Bank (TSE:8370) has a 3-Year RORE % of 20.23 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 Kiyo Bank and its competitors. According to the industry distribution chart, Kiyo Bank ranks #431 out of 1466 companies in the Banks industry, placing it in the top 29.4%.
Is Kiyo Bank's 3-Year RORE % too high?
Kiyo Bank's current 3-Year RORE % is 20.23. The Banks industry median 3-Year RORE % is 9.93. Kiyo Bank's value of 20.23 is 103.8% above this industry median. Based on the distribution chart, Kiyo Bank ranks #431 out of 1466 companies in the Banks industry, which is above the industry midpoint. Overall, Kiyo Bank has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Kiyo Bank's 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, Kiyo Bank ranks #431 out of 1466 companies for 3-Year RORE %. This puts Kiyo Bank in the upper half of its industry. The industry median 3-Year RORE % is 9.93. Kiyo Bank's value of 20.23 is 103.8% 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. Kiyo Bank's current 3-Year RORE % of 20.23 is 103.8% 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 Kiyo 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. Kiyo Bank's current 3-Year RORE % is 20.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kiyo Bank stock overvalued right now?
Based on GuruFocus' analysis, Kiyo Bank (TSE:8370) is currently considered Significantly Overvalued. The stock's GF Value™ is 円2,752.36, compared to a current price of 円4,945.00 — trading 79.7% above its estimated fair value. The current 3-Year RORE % is 20.23 and 103.8% above the Banks industry median of 9.93. Kiyo Bank's overall GF Score™ is 53/100 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 Kiyo Bank (TSE:8370), the current 3-Year RORE % is 20.23 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 Kiyo Bank (TSE:8370) Overvalued in 2026?
Based on GuruFocus' analysis, Kiyo Bank stock appears to be overvalued.
The current stock price of 円4,945.00 is trading 79.7% above its estimated GF Value™ of 円2,752.36.
GuruFocus considers Kiyo Bank to be Significantly Overvalued.
Key valuation signals for TSE:8370:
3-Year RORE %: 20.23
GF Value™: 円2,752.36 vs. price of 円4,945.00 (79.7% above fair value)
Industry Position: 103.8% above the Banks median (#431 of 1466)
No single metric tells the full story. See the TSE:8370 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Kiyo Bank Ltd provides banking products and services to individuals, corporations, and small businesses in Japan. Its branch network is concentrated between Wakayama prefecture and Osaka prefecture, with a small number of branches in Nara prefecture and Tokyo. The bank generates almost all revenue domestically. The core revenue driver is banking products which include deposits, loans, insurance, pensions, investment trusts, Internet banking, farm banking, and credit and debit cards. The bank also offers other services such as mergers and acquisition advisory, securities investment and trading of government bonds.
53GF Score
Get the complete analysis for TSE:8370
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
TSE:8370 has been successfully added to your 
