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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.
Abbey Bank's 5-Year RORE % for the quarter that ended in Dec. 2025 was 32.48%.
The industry rank for Abbey Bank's 5-Year RORE % or its related term are showing as below:
NSA:ABBEYBANK's 5-Year RORE % is ranked better than 88.22% of 1401
companies
in the Banks industry
Industry Median: 10.5
vs NSA:ABBEYBANK: 32.48
Abbey Bank (NSA:ABBEYBANK) 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.
Abbey Bank 5-Year RORE % Related Terms
Abbey Bank 5-Year RORE % Historical Data
* Premium members only.
The historical data trend for Abbey Bank'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.
NSA:ABBEYBANK vs USB, PNC: 5-Year RORE % Comparison
For the Banks - Regional subindustry, Abbey Bank'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.
Abbey Bank 5-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Abbey Bank's 5-Year RORE % distribution charts can be found below:
* The bar in red indicates where Abbey Bank'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.
Abbey Bank (NSA:ABBEYBANK) has a 5-Year RORE % of 32.48 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 Abbey Bank and its competitors. According to the industry distribution chart, Abbey Bank ranks #165 out of 1401 companies in the Banks industry, placing it in the top 11.8%.
Is Abbey Bank's 5-Year RORE % too high?
Abbey Bank's current 5-Year RORE % is 32.48. The Banks industry median 5-Year RORE % is 10.50. Abbey Bank's value of 32.48 is 209.3% above this industry median. Based on the distribution chart, Abbey Bank ranks #165 out of 1401 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Abbey Bank has a GF Score™ of 36/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Abbey Bank's 5-Year RORE % compare to USB and PNC?
According to the Banks industry distribution chart, Abbey Bank ranks #165 out of 1401 companies for 5-Year RORE %. This places Abbey Bank in the top 12% of its industry — outperforming the majority of peers. The industry median 5-Year RORE % is 10.50. Abbey Bank's value of 32.48 is 209.3% 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 5-Year RORE % for a Banks company?
The median 5-Year RORE % among Banks companies is 10.50, 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. Abbey Bank's current 5-Year RORE % of 32.48 is 209.3% 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 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 Abbey Bank and its competitors. For the Banks industry, the median 5-Year RORE % is 10.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Abbey Bank's current 5-Year RORE % is 32.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Abbey Bank stock overvalued right now?
Based on GuruFocus' analysis, Abbey Bank (NSA:ABBEYBANK) is currently considered Significantly Overvalued. The stock's GF Value™ is ₦5.75, compared to a current price of ₦7.70 — trading 33.9% above its estimated fair value. The current 5-Year RORE % is 32.48 and 209.3% above the Banks industry median of 10.50. Abbey Bank's overall GF Score™ is 36/100 with 4 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 Abbey Bank (NSA:ABBEYBANK), the current 5-Year RORE % is 32.48 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 Abbey Bank (NSA:ABBEYBANK) Overvalued in 2026?
Based on GuruFocus' analysis, Abbey Bank stock appears to be overvalued.
The current stock price of ₦7.70 is trading 33.9% above its estimated GF Value™ of ₦5.75.
GuruFocus considers Abbey Bank to be Significantly Overvalued.
Key valuation signals for NSA:ABBEYBANK:
5-Year RORE %: 32.48
GF Value™: ₦5.75 vs. price of ₦7.70 (33.9% above fair value)
Industry Position: 209.3% above the Banks median (#165 of 1401)
No single metric tells the full story. See the NSA:ABBEYBANK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Abbey Mortgage Bank PLC provides loan, mortgage, and banking services to corporate and individual customers. The Bank's operations are geographically divided into two segments based on its operations within northern and southern Nigeria The company offers a savings account, deposits, fund management services, personal loans, real estate and mortgage services, and construction financing, among others.
36GF Score
Get the complete analysis for NSA:ABBEYBANK
5-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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