SpareBank 1 Helgeland (STU:Z1D) E10: €1.22 (As of Mar. 2026)

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STU:Z1D SpareBank 1 Helgeland STU:Z1D
52 GF Score
Price €13.64
GF Value €11.31
! 6 Warning Signs
View Full Analysis

What is SpareBank 1 Helgeland E10?

SpareBank 1 Helgeland STU:Z1D +2.14% 52 E10 is €1.22 as of Mar. 2026. GuruFocus rates STU:Z1D with a GF Score™ of 52/100 and a GF Value™ of €11.31. The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

SpareBank 1 Helgeland's adjusted earnings per share data for the three months ended in Mar. 2026 was €0.331. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €1.22 for the trailing ten years ended in Mar. 2026.

During the past 12 months, SpareBank 1 Helgeland's average E10 Growth Rate was 4.90% per year. During the past 3 years, the average E10 Growth Rate was 8.80% per year. During the past 5 years, the average E10 Growth Rate was 8.60% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of SpareBank 1 Helgeland was 10.10% per year. The lowest was 8.10% per year. And the median was 8.80% per year.

As of today (2026-07-25), SpareBank 1 Helgeland's current stock price is €13.642. SpareBank 1 Helgeland's E10 for the quarter that ended in Mar. 2026 was €1.22. SpareBank 1 Helgeland's Shiller PE Ratio of today is 11.18.

During the past 13 years, the highest Shiller PE Ratio of SpareBank 1 Helgeland was 14.80. The lowest was 8.92. And the median was 11.48.


SpareBank 1 Helgeland  (STU:Z1D) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

SpareBank 1 Helgeland's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=13.642/1.22
=11.18

* 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.

During the past 13 years, the highest Shiller P/E Ratio of SpareBank 1 Helgeland was 14.80. The lowest was 8.92. And the median was 11.48.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


SpareBank 1 Helgeland E10 Related Terms


SpareBank 1 Helgeland E10 Historical Data

* Premium members only.

The historical data trend for SpareBank 1 Helgeland's E10 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.

SpareBank 1 Helgeland E10 Chart

SpareBank 1 Helgeland Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 1.06 1.08 1.13

SpareBank 1 Helgeland Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.15 1.14 1.17 1.13 1.22

SpareBank 1 Helgeland E10 Competitor Comparison

For the Banks - Regional subindustry, SpareBank 1 Helgeland's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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.


SpareBank 1 Helgeland Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, SpareBank 1 Helgeland's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where SpareBank 1 Helgeland's Shiller PE Ratio falls into.


STU:Z1D
52GF Score
SpareBank 1 Helgeland STU:Z1D
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

SpareBank 1 Helgeland E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, SpareBank 1 Helgeland's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.331/141.0300*141.0300
=0.331

Current CPI (Mar. 2026) = 141.0300.

SpareBank 1 Helgeland Quarterly Data

per share eps CPI Adj_EPS
201606 0.483 103.800 0.656
201609 0.484 104.200 0.655
201612 -0.123 104.400 -0.166
201703 0.262 105.000 0.352
201706 0.367 105.800 0.489
201709 0.414 105.900 0.551
201712 -0.044 106.100 -0.058
201803 0.270 107.300 0.355
201806 0.212 108.500 0.276
201809 0.307 109.500 0.395
201812 -0.350 109.800 -0.450
201903 0.255 110.400 0.326
201906 0.323 110.600 0.412
201909 0.351 111.100 0.446
201912 0.114 111.300 0.144
202003 0.061 111.200 0.077
202006 0.617 112.100 0.776
202009 0.216 112.900 0.270
202012 0.234 112.900 0.292
202103 0.237 114.600 0.292
202106 0.291 115.300 0.356
202109 0.273 117.500 0.328
202112 -0.117 118.900 -0.139
202203 0.339 119.800 0.399
202206 0.255 122.600 0.293
202209 0.338 125.600 0.380
202212 0.273 125.900 0.306
202303 0.364 127.600 0.402
202306 0.352 130.400 0.381
202309 0.434 129.800 0.472
202312 0.326 131.900 0.349
202403 0.355 132.600 0.378
202406 0.451 133.800 0.475
202409 0.489 133.700 0.516
202412 0.421 134.800 0.440
202503 0.372 136.100 0.385
202506 0.435 137.800 0.445
202509 0.499 138.500 0.508
202512 0.176 139.100 0.178
202603 0.331 141.030 0.331

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of €1.22 mean?
SpareBank 1 Helgeland (STU:Z1D) has a E10 of €1.22 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on SpareBank 1 Helgeland and its competitors.
Is SpareBank 1 Helgeland's E10 too high?
SpareBank 1 Helgeland's current E10 is €1.22. Overall, SpareBank 1 Helgeland has a GF Score™ of 52/100, reflecting its overall financial health beyond just this single metric.
How does SpareBank 1 Helgeland's E10 compare to competitors?
SpareBank 1 Helgeland's E10 of €1.22 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on SpareBank 1 Helgeland and its competitors. SpareBank 1 Helgeland's current E10 is €1.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SpareBank 1 Helgeland stock overvalued right now?
SpareBank 1 Helgeland (STU:Z1D) has a current E10 of €1.22. The stock's GF Value™ is €11.31, compared to a current price of €13.64 — trading 20.6% above its estimated fair value. The current E10 is €1.22. SpareBank 1 Helgeland's overall GF Score™ is 52/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For SpareBank 1 Helgeland (STU:Z1D), the current E10 is €1.22 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.

Is SpareBank 1 Helgeland (STU:Z1D) Overvalued in 2026?

Based on GuruFocus' analysis, SpareBank 1 Helgeland stock appears to be overvalued. The current stock price of €13.64 is trading 20.6% above its estimated GF Value™ of €11.31.

Key valuation signals for STU:Z1D:

  • E10: €1.22
  • GF Value™: €11.31 vs. price of €13.64 (20.6% above fair value)
  • GF Score™: 52/100 with 6 warning signs

No single metric tells the full story. See the STU:Z1D stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


SpareBank 1 Helgeland Business Description

Other Exchanges HELG:Norway
Address Jernbanegata 15, Mo i Rana, NOR, 8622
SpareBank 1 Helgeland is a regional bank engaged in providing banking and financial services. It offers savings products, payment services, credit cards, saving accounts, placement services, loans, insurance, shares, and currencies, as well as an online banking facility. The bank's operations are divided into two segments: Retail Market (RM) and Corporate Market (CM). The company serves creditors, customers, employees, management, and society in general. Geographically, all the operations of the bank are carried out from Helgeland.
52GF Score

Get the complete analysis for STU:Z1D

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€13.64
Price
€11.31
GF Value