SpareBank 1 Helgeland (OSL:HELG) Moat Score: 0/10 (As of Jul. 25, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

OSL:HELG SpareBank 1 Helgeland OSL:HELG
52 GF Score
Price kr158.76
GF Value kr131.63
Valuation Modestly Overvalued
! 5 Warning Signs
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What is SpareBank 1 Helgeland Moat Score?

SpareBank 1 Helgeland has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

SpareBank 1 Helgeland has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes SpareBank 1 Helgeland might have No Moat - No discernible moat.

SpareBank 1 Helgeland  (OSL:HELG) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

SpareBank 1 Helgeland Moat Score Related Terms

OSL:HELG
52GF Score
SpareBank 1 Helgeland OSL:HELG
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is SpareBank 1 Helgeland (OSL:HELG) Overvalued in 2026?

Based on GuruFocus' analysis, SpareBank 1 Helgeland stock appears to be overvalued. The current stock price of kr158.76 is trading 20.6% above its estimated GF Value™ of kr131.63. GuruFocus considers SpareBank 1 Helgeland to be Modestly Overvalued.

Key valuation signals for OSL:HELG:

  • Moat Score: 0
  • GF Value™: kr131.63 vs. price of kr158.76 (20.6% above fair value)
  • GF Score™: 52/100 with 5 warning signs

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

SpareBank 1 Helgeland Business Description

Other Exchanges 0EO8:UK
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 OSL:HELG

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

kr158.76
Price
kr131.63
GF Value