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Sparebank 68 Grader Nord has the Financial Strength Rank of 2. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Warning Sign:
Sparebank 68 Grader Nord displays poor financial strength. Usually, this is caused by too much debt for the company.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
GuruFocus does not calculate Sparebank 68 Grader Nord's interest coverage with the available data.
Sparebank 68 Grader Nord's debt to revenue ratio for the quarter that ended in Mar. 2026 was 7.66.
Altman Z-Score does not apply to banks and insurance companies.
Sparebank 68 Grader Nord (OSL:SB68) Financial Strength Explanation
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Sparebank 68 Grader Nord has the Financial Strength Rank of 2. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Sparebank 68 Grader Nord Financial Strength Related Terms
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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 68 Grader Nord (OSL:SB68) has a Financial Strength of 2 as of Mar. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Sparebank 68 Grader Nord and its competitors. This is near median its historical median of 2.00. Over the past decade, Sparebank 68 Grader Nord's Financial Strength has ranged from 1.00 to 2.00.
Is Sparebank 68 Grader Nord's Financial Strength too high?
Sparebank 68 Grader Nord's current Financial Strength of 2 is near median its 10-year median of 2.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 2.00. Overall, Sparebank 68 Grader Nord has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sparebank 68 Grader Nord's Financial Strength compare to competitors?
Sparebank 68 Grader Nord's Financial Strength of 2 can be compared against companies in the Banks industry. Historically, Sparebank 68 Grader Nord's own Financial Strength has ranged from 1.00 to 2.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Banks company?
A good Financial Strength depends on the Banks industry context. However, Financial Strength 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 Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Sparebank 68 Grader Nord and its competitors. Sparebank 68 Grader Nord's current Financial Strength is 2, which is near median its own 10-year median of 2.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sparebank 68 Grader Nord stock overvalued right now?
Based on GuruFocus' analysis, Sparebank 68 Grader Nord (OSL:SB68) is currently considered Modestly Overvalued. The stock's GF Value™ is kr191.14, compared to a current price of kr217.00 — trading 13.5% above its estimated fair value. The current Financial Strength is 2, which is near median its 10-year median of 2.00. Sparebank 68 Grader Nord's overall GF Score™ is 63/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Sparebank 68 Grader Nord (OSL:SB68), the current Financial Strength is 2 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 68 Grader Nord (OSL:SB68) Overvalued in 2026?
Based on GuruFocus' analysis, Sparebank 68 Grader Nord stock appears to be overvalued.
The current stock price of kr217.00 is trading 13.5% above its estimated GF Value™ of kr191.14.
GuruFocus considers Sparebank 68 Grader Nord to be Modestly Overvalued.
Key valuation signals for OSL:SB68:
Financial Strength: 2 (near median its 10-year median of 2.00)
GF Value™: kr191.14 vs. price of kr217.00 (13.5% above fair value)
No single metric tells the full story. See the OSL:SB68 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sparebank 68 Grader Nord is a local savings bank, focused on retail banking and insurance products and services. The range of products offered includes current accounts, payment cards, savings accounts, consumer loans, car loans, and mortgage loans.
63GF Score
Get the complete analysis for OSL:SB68
Financial Strength is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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