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.
UniCredit Bank DD's 3-Year RORE % for the quarter that ended in Dec. 2025 was 8.09%.
The industry rank for UniCredit Bank DD's 3-Year RORE % or its related term are showing as below:
XBLB:NBLB-R-B's 3-Year RORE % is not ranked
in the Banks industry.
Industry Median: 9.93
vs XBLB:NBLB-R-B: 8.09
UniCredit Bank DD (XBLB:NBLB-R-B) 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.
UniCredit Bank DD 3-Year RORE % Related Terms
UniCredit Bank DD 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for UniCredit Bank DD'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:NBLB-R-B vs PNC, USB: 3-Year RORE % Comparison
For the Banks - Regional subindustry, UniCredit Bank DD'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.
UniCredit Bank DD 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, UniCredit Bank DD's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where UniCredit Bank DD'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.
UniCredit Bank DD (XBLB:NBLB-R-B) has a 3-Year RORE % of 8.09 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 UniCredit Bank DD and its competitors.
Is UniCredit Bank DD's 3-Year RORE % too high?
UniCredit Bank DD's current 3-Year RORE % is 8.09. The Banks industry median 3-Year RORE % is 9.93. UniCredit Bank DD's value of 8.09 is 18.5% below this industry median. Overall, UniCredit Bank DD has a GF Score™ of 4/100, reflecting its overall financial health beyond just this single metric.
How does UniCredit Bank DD's 3-Year RORE % compare to PNC and USB?
UniCredit Bank DD's 3-Year RORE % of 8.09 can be compared against companies in the Banks industry. The industry median 3-Year RORE % is 9.93. UniCredit Bank DD's value of 8.09 is 18.5% below 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 1,472 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. UniCredit Bank DD's current 3-Year RORE % of 8.09 is 18.5% below 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 UniCredit Bank DD 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. UniCredit Bank DD's current 3-Year RORE % is 8.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UniCredit Bank DD stock overvalued right now?
UniCredit Bank DD (XBLB:NBLB-R-B) has a current 3-Year RORE % of 8.09. The stock's GF Value™ is BAM2,491.73, compared to a current price of BAM1,933.00 — trading 22.4% below its estimated fair value. The current 3-Year RORE % is 8.09 and 18.5% below the Banks industry median of 9.93. UniCredit Bank DD's overall GF Score™ is 4/100 with 3 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 UniCredit Bank DD (XBLB:NBLB-R-B), the current 3-Year RORE % is 8.09 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.
Is UniCredit Bank DD (XBLB:NBLB-R-B) Overvalued in 2026?
Based on GuruFocus' analysis, UniCredit Bank DD stock appears to be undervalued.
The current stock price of BAM1,933.00 is trading 22.4% below its estimated GF Value™ of BAM2,491.73.
Key valuation signals for XBLB:NBLB-R-B:
3-Year RORE %: 8.09
GF Value™: BAM2,491.73 vs. price of BAM1,933.00 (22.4% below fair value)
No single metric tells the full story. See the XBLB:NBLB-R-B stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
UniCredit Bank DD is a joint-stock company in Bosnia and Herzegovina. It provides a full range of services including retail and corporate banking, risk operations, and finance and operating lease operations. The business segments of the company include Retail, Corporate and Investment Banking, Assets and Liabilities Management, and Central Unit. The company's business users comprise Entrepreneurs, Corporate clients, and Financial Institutions.
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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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