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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.
MF Banka AD's 3-Year RORE % for the quarter that ended in Dec. 2025 was 15.18%.
The industry rank for MF Banka AD's 3-Year RORE % or its related term are showing as below:
XBLB:IEFB-R-A's 3-Year RORE % is not ranked
in the Banks industry.
Industry Median: 9.92
vs XBLB:IEFB-R-A: 15.18
MF Banka AD (XBLB:IEFB-R-A) 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.
MF Banka AD 3-Year RORE % Related Terms
MF Banka AD 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for MF Banka AD'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.
XBLB:IEFB-R-A vs USB, PNC: 3-Year RORE % Comparison
For the Banks - Regional subindustry, MF Banka AD'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.
MF Banka AD 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, MF Banka AD's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where MF Banka AD'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 Dec. 2025 and 3-year before.
MF Banka AD (XBLB:IEFB-R-A) has a 3-Year RORE % of 15.18 as of Dec. 2025. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on MF Banka AD and its competitors.
Is MF Banka AD's 3-Year RORE % too high?
MF Banka AD's current 3-Year RORE % is 15.18. The Banks industry median 3-Year RORE % is 9.92. MF Banka AD's value of 15.18 is 53% above this industry median.
How does MF Banka AD's 3-Year RORE % compare to USB and PNC?
MF Banka AD's 3-Year RORE % of 15.18 can be compared against companies in the Banks industry. The industry median 3-Year RORE % is 9.92. MF Banka AD's value of 15.18 is 53% 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 1,471 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. MF Banka AD's current 3-Year RORE % of 15.18 is 53% 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 MF Banka AD 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. MF Banka AD's current 3-Year RORE % is 15.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MF Banka AD stock overvalued right now?
MF Banka AD (XBLB:IEFB-R-A) has a current 3-Year RORE % of 15.18. The stock's GF Value™ is BAM108.56, compared to a current price of BAM174.82 — trading 61% above its estimated fair value. The current 3-Year RORE % is 15.18 and 53% above the Banks industry median of 9.92. 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 MF Banka AD (XBLB:IEFB-R-A), the current 3-Year RORE % is 15.18 as of Dec. 2025. 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.
MF Banka AD provides is a regional bank engaged in providing banking products and services. The bank is licensed to perform banking activities that include payment transfers, crediting, and depositary operations in the country and abroad. It offers savings products, loans, payment services, deposit and documentary operations services, cards, electronic and mobile banking, SMS, and ATM services. Geographically, it operates in the region of Bosnia and Herzegovina and serves individuals, businesses, and small and medium-sized enterprises.
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