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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.
Zhongyuan Bank Co's 5-Year RORE % for the quarter that ended in Dec. 2025 was -15.87%.
The industry rank for Zhongyuan Bank Co's 5-Year RORE % or its related term are showing as below:
FRA:2ZG's 5-Year RORE % is ranked worse than 90.72% of 1401
companies
in the Banks industry
Industry Median: 10.31
vs FRA:2ZG: -15.87
Zhongyuan Bank Co (FRA:2ZG) 5-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, 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.
Zhongyuan Bank Co 5-Year RORE % Related Terms
Zhongyuan Bank Co 5-Year RORE % Historical Data
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The historical data trend for Zhongyuan Bank Co'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.
Zhongyuan Bank Co 5-Year RORE % Competitor Comparison
For the Banks - Regional subindustry, Zhongyuan Bank Co'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.
Zhongyuan Bank Co 5-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Zhongyuan Bank Co's 5-Year RORE % distribution charts can be found below:
* The bar in red indicates where Zhongyuan Bank Co'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 Dec. 2025 and 5-year before.
Zhongyuan Bank Co (FRA:2ZG) has a 5-Year RORE % of -15.87 as of Dec. 2025. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on Zhongyuan Bank Co and its competitors. According to the industry distribution chart, Zhongyuan Bank Co ranks #1271 out of 1401 companies in the Banks industry, placing it in the top 90.7%.
Is Zhongyuan Bank Co's 5-Year RORE % too high?
Zhongyuan Bank Co's current 5-Year RORE % is -15.87. Based on the distribution chart, Zhongyuan Bank Co ranks #1271 out of 1401 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Zhongyuan Bank Co has a GF Score™ of 38/100, reflecting its overall financial health beyond just this single metric.
How does Zhongyuan Bank Co's 5-Year RORE % compare to competitors?
According to the Banks industry distribution chart, Zhongyuan Bank Co ranks #1271 out of 1401 companies for 5-Year RORE %. This places Zhongyuan Bank Co in the lower half of its industry. The industry median 5-Year RORE % is 10.31. 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 10.31, based on 1,401 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 Zhongyuan Bank Co and its competitors. For the Banks industry, the median 5-Year RORE % is 10.31 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zhongyuan Bank Co's current 5-Year RORE % is -15.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Zhongyuan Bank Co stock overvalued right now?
Zhongyuan Bank Co (FRA:2ZG) has a current 5-Year RORE % of -15.87. The stock's GF Value™ is €0.03, compared to a current price of €0.02 — trading 29.3% below its estimated fair value. The current 5-Year RORE % is -15.87. Zhongyuan Bank Co's overall GF Score™ is 38/100 with 3 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 Zhongyuan Bank Co (FRA:2ZG), the current 5-Year RORE % is -15.87 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 Zhongyuan Bank Co (FRA:2ZG) Overvalued in 2026?
Based on GuruFocus' analysis, Zhongyuan Bank Co stock appears to be undervalued.
The current stock price of €0.02 is trading 29.3% below its estimated GF Value™ of €0.03.
Key valuation signals for FRA:2ZG:
5-Year RORE %: -15.87
GF Value™: €0.03 vs. price of €0.02 (29.3% below fair value)
No single metric tells the full story. See the FRA:2ZG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Zhongyuan Bank Co Ltd is engaged in the provision of corporate banking services. The business segments of the company are the Corporate banking segment, which represents the provision of a range of financial products and services to corporations, government agencies and financial institutions; The retail banking segment represents the provision of a range of financial products and services to retail customers; The financial markets business segment covers the Group's financial markets business operations. The financial markets business enters into inter-bank money market transactions, repurchase transactions, and investments; and Other segments. The company generates the majority of its revenue from the Corporate Banking segment.
38GF Score
Get the complete analysis for FRA:2ZG
5-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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