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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.
CIB Marine Bancshares's 5-Year RORE % for the quarter that ended in Mar. 2026 was -15.08%.
The industry rank for CIB Marine Bancshares's 5-Year RORE % or its related term are showing as below:
CIBH's 5-Year RORE % is ranked worse than 88.63% of 1407
companies
in the Banks industry
Industry Median: 9.93
vs CIBH: -15.08
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, 5-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.
CIB Marine Bancshares 5-Year RORE % Related Terms
CIB Marine Bancshares 5-Year RORE % Historical Data
* Premium members only.
The historical data trend for CIB Marine Bancshares's 5-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.
CIBH vs BBBK, NIDB, INFT: 5-Year RORE % Comparison
For the Banks - Regional subindustry, CIB Marine Bancshares's 5-Year RORE %, along with its competitors' market caps and 5-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.
CIB Marine Bancshares 5-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, CIB Marine Bancshares's 5-Year RORE % distribution charts can be found below:
* The bar in red indicates where CIB Marine Bancshares's 5-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 5-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 5-year before.
CIB Marine Bancshares (CIBH) has a 5-Year RORE % of -15.08 as of Mar. 2026. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on CIB Marine Bancshares and its competitors. According to the industry distribution chart, CIB Marine Bancshares ranks #1247 out of 1407 companies in the Banks industry, placing it in the top 88.6%.
Is CIB Marine Bancshares' 5-Year RORE % too high?
CIB Marine Bancshares' current 5-Year RORE % is -15.08. Based on the distribution chart, CIB Marine Bancshares ranks #1247 out of 1407 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, CIB Marine Bancshares has a GF Score™ of 40/100, reflecting its overall financial health beyond just this single metric.
How does CIB Marine Bancshares' 5-Year RORE % compare to BBBK and NIDB?
According to the Banks industry distribution chart, CIB Marine Bancshares ranks #1247 out of 1407 companies for 5-Year RORE %. This places CIB Marine Bancshares in the lower half of its industry. The industry median 5-Year RORE % is 9.93. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year RORE % for a Banks company?
The median 5-Year RORE % among Banks companies is 9.93, based on 1,407 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 5-Year RORE % mean?
A high 5-Year RORE % can signal that a stock is expensive relative to its fundamentals. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on CIB Marine Bancshares and its competitors. For the Banks industry, the median 5-Year RORE % is 9.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CIB Marine Bancshares's current 5-Year RORE % is -15.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CIB Marine Bancshares stock overvalued right now?
CIB Marine Bancshares (CIBH) has a current 5-Year RORE % of -15.08. The current 5-Year RORE % is -15.08. CIB Marine Bancshares' overall GF Score™ is 40/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year RORE % calculated?
5-Year RORE % is calculated from a company's financial statements. For CIB Marine Bancshares (CIBH), the current 5-Year RORE % is -15.08 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.
CIB Marine Bancshares Inc is a financial service holding company. It provides a full range of banking and related services through its banking subsidiary. The primary sources of revenue are predominantly from loans to small and middle-market business customers, investments in securities, and mortgage banking activity. The Bank also offers a range of deposits and other financial products to its customers. Its offices and, generally, customers are in the central and northeastern Illinois, Milwaukee, and Indianapolis markets.
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