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Nidaros SparebankOSL:NISB -1.28%56 Pretax Margin % is 20.15% as of Mar. 2026, which is 42% below its 10-year median of 34.92. GuruFocus rates OSL:NISB with a GF Score™ of 56/100 and a GF Value™ of kr112.66 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,527 Banks companies, Nidaros Sparebank ranks worse than 53.63% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Nidaros Sparebank Pretax Margin % Related Terms
Nidaros Sparebank Pretax Margin % Historical Data
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The historical data trend for Nidaros Sparebank's Pretax Margin % 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.
For the Banks - Regional subindustry, Nidaros Sparebank's Pretax Margin %, along with its competitors' market caps and Pretax 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.
Nidaros Sparebank Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Nidaros Sparebank's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Nidaros Sparebank's Pretax 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.
Nidaros Sparebank (OSL:NISB) has a Pretax Margin % of 20.15% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Nidaros Sparebank and its competitors. This is 42% below median its historical median of 34.92. Over the past decade, Nidaros Sparebank's Pretax Margin % has ranged from 29.77 to 41.56. According to the industry distribution chart, Nidaros Sparebank ranks #819 out of 1527 companies in the Banks industry, placing it in the top 53.6%.
Is Nidaros Sparebank's Pretax Margin % too high?
Nidaros Sparebank's current Pretax Margin % of 20.15% is 42% below median its 10-year median of 34.92. Over the past 10 years, this metric has ranged from a low of 29.77 to a high of 41.56. The Banks industry median Pretax Margin % is 34.65. Nidaros Sparebank's value of 20.15% is 41.8% below this industry median. Based on the distribution chart, Nidaros Sparebank ranks #819 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, Nidaros Sparebank has a GF Score™ of 56/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Nidaros Sparebank's Pretax Margin % compare to PNC?
According to the Banks industry distribution chart, Nidaros Sparebank ranks #819 out of 1527 companies for Pretax Margin %. This places Nidaros Sparebank in the lower half of its industry. The industry median Pretax Margin % is 34.65. Nidaros Sparebank's value of 20.15% is 41.8% below this benchmark. Historically, Nidaros Sparebank's own Pretax Margin % has ranged from 29.77 to 41.56 over the past decade. While the company's 10-year median is 34.92 vs. the industry median of 34.65, Nidaros Sparebank has consistently been below 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.65, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Nidaros Sparebank's current Pretax Margin % of 20.15% is 41.8% below 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Nidaros Sparebank and its competitors. For the Banks industry, the median Pretax Margin % is 34.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Nidaros Sparebank's current Pretax Margin % is 20.15%, which is 42% below median its own 10-year median of 34.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nidaros Sparebank stock overvalued right now?
Based on GuruFocus' analysis, Nidaros Sparebank (OSL:NISB) is currently considered Modestly Undervalued. The stock's GF Value™ is kr112.66, compared to a current price of kr100.20 — trading 11.1% below its estimated fair value. The current Pretax Margin % is 20.15%, which is 42% below median its 10-year median of 34.92 and 41.8% below the Banks industry median of 34.65. Nidaros Sparebank's overall GF Score™ is 56/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Nidaros Sparebank (OSL:NISB), the current Pretax Margin % is 20.15% 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 Nidaros Sparebank (OSL:NISB) Overvalued in 2026?
Based on GuruFocus' analysis, Nidaros Sparebank stock appears to be undervalued.
The current stock price of kr100.20 is trading 11.1% below its estimated GF Value™ of kr112.66.
GuruFocus considers Nidaros Sparebank to be Modestly Undervalued.
Key valuation signals for OSL:NISB:
Pretax Margin %: 20.15% (42% below median its 10-year median of 34.92)
GF Value™: kr112.66 vs. price of kr100.20 (11.1% below fair value)
Industry Position: 41.8% below the Banks median (#819 of 1527)
No single metric tells the full story. See the OSL:NISB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Nidaros Sparebank is a Norway-based financial institution. It offers various financial advisory services including Insurance, Financing, Saving and Retirement, and Other payments.
56GF Score
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