SpareBank 1 Nord-NorgeSTU:93S -0.75%71 Net Margin % is 52.71% as of Mar. 2026, which is 5% above its 10-year median of 50.03. GuruFocus rates STU:93S with a GF Score™ of 71/100 and a GF Value™ of €11.53 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 1,527 Banks companies, SpareBank 1 Nord-Norge ranks better than 97.05% on this metric.
The historical rank and industry rank for SpareBank 1 Nord-Norge's Net Margin % or its related term are showing as below:
STU:93S'
s Net Margin % Range Over the Past 10 Years
Min: 46.22 Med: 50.03 Max: 62.01
Current: 57.62
STU:93S's Net Margin % is ranked better than 97.05% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs STU:93S: 57.62
SpareBank 1 Nord-Norge (STU:93S) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
SpareBank 1 Nord-Norge Net Margin % Related Terms
SpareBank 1 Nord-Norge Net Margin % Historical Data
* 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 Nord-Norge Net Margin % Competitor Comparison
For the Banks - Regional subindustry, SpareBank 1 Nord-Norge's Net Margin %, along with its competitors' market caps and Net Margin % 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 Nord-Norge Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, SpareBank 1 Nord-Norge's Net Margin % distribution charts can be found below:
* The bar in red indicates where SpareBank 1 Nord-Norge's Net Margin % 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.
SpareBank 1 Nord-Norge (STU:93S) has a Net Margin % of 52.71% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on SpareBank 1 Nord-Norge and its competitors. This is near median its historical median of 50.03. Over the past decade, SpareBank 1 Nord-Norge's Net Margin % has ranged from 46.22 to 62.01. According to the industry distribution chart, SpareBank 1 Nord-Norge ranks #45 out of 1527 companies in the Banks industry, placing it in the top 2.9%.
Is SpareBank 1 Nord-Norge's Net Margin % too high?
SpareBank 1 Nord-Norge's current Net Margin % of 52.71% is near median its 10-year median of 50.03. Over the past 10 years, this metric has ranged from a low of 46.22 to a high of 62.01. The Banks industry median Net Margin % is 26.95. SpareBank 1 Nord-Norge's value of 52.71% is 95.6% above this industry median. Based on the distribution chart, SpareBank 1 Nord-Norge ranks #45 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, SpareBank 1 Nord-Norge has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SpareBank 1 Nord-Norge's Net Margin % compare to competitors?
According to the Banks industry distribution chart, SpareBank 1 Nord-Norge ranks #45 out of 1527 companies for Net Margin %. This places SpareBank 1 Nord-Norge in the top 3% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.95. SpareBank 1 Nord-Norge's value of 52.71% is 95.6% above this benchmark. Historically, SpareBank 1 Nord-Norge's own Net Margin % has ranged from 46.22 to 62.01 over the past decade. While the company's 10-year median is 50.03 vs. the industry median of 26.95, SpareBank 1 Nord-Norge has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SpareBank 1 Nord-Norge's current Net Margin % of 52.71% is 95.6% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on SpareBank 1 Nord-Norge and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SpareBank 1 Nord-Norge's current Net Margin % is 52.71%, which is near median its own 10-year median of 50.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SpareBank 1 Nord-Norge stock overvalued right now?
Based on GuruFocus' analysis, SpareBank 1 Nord-Norge (STU:93S) is currently considered Modestly Overvalued. The stock's GF Value™ is €11.53, compared to a current price of €13.30 — trading 15.4% above its estimated fair value. The current Net Margin % is 52.71%, which is near median its 10-year median of 50.03 and 95.6% above the Banks industry median of 26.95. SpareBank 1 Nord-Norge's overall GF Score™ is 71/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For SpareBank 1 Nord-Norge (STU:93S), the current Net Margin % is 52.71% 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 Nord-Norge (STU:93S) Overvalued in 2026?
Based on GuruFocus' analysis, SpareBank 1 Nord-Norge stock appears to be overvalued.
The current stock price of €13.30 is trading 15.4% above its estimated GF Value™ of €11.53.
GuruFocus considers SpareBank 1 Nord-Norge to be Modestly Overvalued.
Key valuation signals for STU:93S:
Net Margin %: 52.71% (near median its 10-year median of 50.03)
GF Value™: €11.53 vs. price of €13.30 (15.4% above fair value)
Industry Position: 95.6% above the Banks median (#45 of 1527)
No single metric tells the full story. See the STU:93S stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SpareBank 1 Nord-Norge is a Norwegian banking services provider. Apart from general banking solutions, its areas of expertise include estate agency, asset financing, and accounting operations. The company operates with primary segments, namely the retail market and the corporate market. In addition, the subsidiary companies activities, such as accounting services, real estate brokerage, and leasing/sale-leaseback financing, are considered. The Retail Banking segment serves individual customers through the provision of retail banking products such as loans, deposits, cards, and insurance. The Corporate Banking segment focuses purely on corporate customers.
71GF Score
Get the complete analysis for STU:93S
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
STU:93S has been successfully added to your 
