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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.
Komercijalna Banka AD Skopje's 3-Year RORE % for the quarter that ended in Sep. 2025 was 63.48%.
XMAE:KMB's 3-Year RORE % is ranked better than 92.66% of 1471
companies
in the Banks industry
Industry Median: 9.89
vs XMAE:KMB: 63.48
Komercijalna Banka AD Skopje (XMAE:KMB) 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.
Komercijalna Banka AD Skopje 3-Year RORE % Related Terms
Komercijalna Banka AD Skopje 3-Year RORE % Historical Data
* 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, Komercijalna Banka AD Skopje'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.
Komercijalna Banka AD Skopje 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Komercijalna Banka AD Skopje's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Komercijalna Banka AD Skopje'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 Sep. 2025 and 3-year before.
Komercijalna Banka AD Skopje (XMAE:KMB) has a 3-Year RORE % of 63.48 as of Sep. 2025. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Komercijalna Banka AD Skopje and its competitors. According to the industry distribution chart, Komercijalna Banka AD Skopje ranks #108 out of 1471 companies in the Banks industry, placing it in the top 7.3%.
Is Komercijalna Banka AD Skopje's 3-Year RORE % too high?
Komercijalna Banka AD Skopje's current 3-Year RORE % is 63.48. The Banks industry median 3-Year RORE % is 9.89. Komercijalna Banka AD Skopje's value of 63.48 is 541.9% above this industry median. Based on the distribution chart, Komercijalna Banka AD Skopje ranks #108 out of 1471 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Komercijalna Banka AD Skopje has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Komercijalna Banka AD Skopje's 3-Year RORE % compare to PNC and USB?
According to the Banks industry distribution chart, Komercijalna Banka AD Skopje ranks #108 out of 1471 companies for 3-Year RORE %. This places Komercijalna Banka AD Skopje in the top 7% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 9.89. Komercijalna Banka AD Skopje's value of 63.48 is 541.9% 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 9.89, 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. Komercijalna Banka AD Skopje's current 3-Year RORE % of 63.48 is 541.9% 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 Komercijalna Banka AD Skopje and its competitors. For the Banks industry, the median 3-Year RORE % is 9.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Komercijalna Banka AD Skopje's current 3-Year RORE % is 63.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Komercijalna Banka AD Skopje stock overvalued right now?
Based on GuruFocus' analysis, Komercijalna Banka AD Skopje (XMAE:KMB) is currently considered Fairly Valued. The stock's GF Value™ is MKD28,016.55, compared to a current price of MKD26,300.00 — trading 6.1% below its estimated fair value. The current 3-Year RORE % is 63.48 and 541.9% above the Banks industry median of 9.89. Komercijalna Banka AD Skopje's overall GF Score™ is 61/100 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 Komercijalna Banka AD Skopje (XMAE:KMB), the current 3-Year RORE % is 63.48 as of Sep. 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 Komercijalna Banka AD Skopje (XMAE:KMB) Overvalued in 2026?
Based on GuruFocus' analysis, Komercijalna Banka AD Skopje stock appears to be undervalued.
The current stock price of MKD26,300.00 is trading 6.1% below its estimated GF Value™ of MKD28,016.55.
GuruFocus considers Komercijalna Banka AD Skopje to be Fairly Valued.
Key valuation signals for XMAE:KMB:
3-Year RORE %: 63.48
GF Value™: MKD28,016.55 vs. price of MKD26,300.00 (6.1% below fair value)
Industry Position: 541.9% above the Banks median (#108 of 1471)
No single metric tells the full story. See the XMAE:KMB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Komercijalna Banka AD Skopje is a commercial bank. The principal activities of the bank are - collecting deposits, placing loans and advances domestically and abroad, factoring and financing commercial transactions, foreign exchange operations, fast money transfer, trading with foreign currencies, trading with securities, services of a bank-custodian of investment and pension funds, intermediating in selling insurance policies, data collection and analysis of company's credit rating, and many others. It operates in the Republic of Macedonia, Europe, and other EU member countries.
61GF Score
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