Sparebank 68 Grader Nord (OSL:SB68) Forward Rate of Return (Yacktman) %: 0.00% (As of Mar. 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:SB68 Sparebank 68 Grader Nord OSL:SB68
66 GF Score
Price kr210.00
GF Value kr191.43
Valuation Fairly Valued
! 6 Warning Signs
View Full Analysis

What is Sparebank 68 Grader Nord Forward Rate of Return (Yacktman) %?

Sparebank 68 Grader Nord OSL:SB68 -0.02% 66 Forward Rate of Return (Yacktman) % is 0.00% as of Mar. 2026. GuruFocus rates OSL:SB68 with a GF Score™ of 66/100 and a GF Value™ of kr191.43 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,418 Banks companies, Sparebank 68 Grader Nord ranks worse than 78.21% on this metric.

Yacktman defines forward rate of return as the normalized free cash flow yield plus real growth plus inflation. Sparebank 68 Grader Nord's forward rate of return for was 0.00%.

The historical rank and industry rank for Sparebank 68 Grader Nord's Forward Rate of Return (Yacktman) % or its related term are showing as below:

OSL:SB68' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -29.54   Med: 1.38   Max: 11.69
Current: 8.23

During the past 8 years, Sparebank 68 Grader Nord's highest Forward Rate of Return was 11.69. The lowest was -29.54. And the median was 1.38.

OSL:SB68's Forward Rate of Return (Yacktman) % is ranked worse than
78.21% of 1418 companies
in the Banks industry
Industry Median: 15.345 vs OSL:SB68: 8.23

Unlike the Earnings Yield %, the Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.


Sparebank 68 Grader Nord  (OSL:SB68) Forward Rate of Return (Yacktman) % Explanation

Unlike the Earnings Yield, the Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.

For the growth part of the Forward Rate of Return calculation, GuruFocus uses the 5-year average growth rate of Book Value per share as the growth rate, and the growth rate is always capped at 20%. For the Free Cash Flow we use per share data averaged over five years. The reason we use five years is to make it comparable to the growth rate.


Be Aware

In the Forward Rate of Return calculation, the growth rate is added directly to today's free cash flow yield. Therefore the calculation is reliable only if the company can grow at the same rate in the future as it did in the past. Investors should pay close attention to this when researching growth stocks. A more accurate measurement for return is Return on Capital.


Sparebank 68 Grader Nord Forward Rate of Return (Yacktman) % Related Terms


Sparebank 68 Grader Nord Forward Rate of Return (Yacktman) % Historical Data

* Premium members only.

The historical data trend for Sparebank 68 Grader Nord's Forward Rate of Return (Yacktman) % 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 68 Grader Nord Forward Rate of Return (Yacktman) % Chart

Sparebank 68 Grader Nord Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Forward Rate of Return (Yacktman) %
Get a 7-Day Free Trial 0.00 0.00 -28.83 -13.23 7.43

Sparebank 68 Grader Nord Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Forward Rate of Return (Yacktman) % 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 0.00 0.00 0.00 7.43 0.00

Sparebank 68 Grader Nord Forward Rate of Return (Yacktman) % Competitor Comparison

For the Banks - Regional subindustry, Sparebank 68 Grader Nord's Forward Rate of Return (Yacktman) %, along with its competitors' market caps and Forward Rate of Return (Yacktman) % 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 68 Grader Nord Forward Rate of Return (Yacktman) % vs Banks Industry

For the Banks industry and Financial Services sector, Sparebank 68 Grader Nord's Forward Rate of Return (Yacktman) % distribution charts can be found below:

* The bar in red indicates where Sparebank 68 Grader Nord's Forward Rate of Return (Yacktman) % falls into.


OSL:SB68
66GF Score
Sparebank 68 Grader Nord OSL:SB68
Forward Rate of Return (Yacktman) % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Sparebank 68 Grader Nord Forward Rate of Return (Yacktman) % Calculation

Forward Rate of Return is a concept that Don Yacktman uses in his investment approach. Yacktman explained the forward rate of return concept in detail in his interview with GuruFocus. Yacktman defines forward rate of return as the normalized free cash flow yield plus real growth plus inflation. He said in the interview (March 2012, when the S&P 500 was at about 1400):

If the business is stable, this calculation is fairly straightforward. For instance, on the S&P 500 we would normalize earnings. We would then calculate what percentage of those earnings are not reinvested in the underlying businesses and are therefore free. Historically, for the S&P 500, this has been just under 50% of earnings. Currently, we expect the S&P to earn about 70 on a normalized basis, a number which is far below reported earnings due to our adjusting for record high profit margins. $70 X ½ / 1400 gives you a normalized free cash flow yield of approximately 2.5%.

The historical real growth rate of the S&P 500 (companies) is about 1.5%. Assuming an inflation rate of 2.5%, the forward rate of return on an investment in the S&P 500 is about 6.5% today (2.5% free cash flow yield plus 1.5% real growth plus 2.5% inflation).

Sparebank 68 Grader Nord's Forward Rate of Return of Mar. 2026 is

Forward Rate of Return=Normalized Free Cash Flow/Price+5-Year Book Value Growth Rate
=-18.21416667/198.1+0.1662
=7.43 %

* 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.

What does a Forward Rate of Return (Yacktman) % of 0.00% mean?
Sparebank 68 Grader Nord (OSL:SB68) has a Forward Rate of Return (Yacktman) % of 0.00% as of Mar. 2026. Yacktman's forward rate of return equals the sum of normalized free-cash-flow yield plus earnings growth. View historical data on Sparebank 68 Grader Nord and its competitors. According to the industry distribution chart, Sparebank 68 Grader Nord ranks #1109 out of 1418 companies in the Banks industry, placing it in the top 78.2%.
Is Sparebank 68 Grader Nord's Forward Rate of Return (Yacktman) % too high?
Sparebank 68 Grader Nord's current Forward Rate of Return (Yacktman) % is 0.00%. Based on the distribution chart, Sparebank 68 Grader Nord ranks #1109 out of 1418 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Sparebank 68 Grader Nord has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Sparebank 68 Grader Nord's Forward Rate of Return (Yacktman) % compare to competitors?
According to the Banks industry distribution chart, Sparebank 68 Grader Nord ranks #1109 out of 1418 companies for Forward Rate of Return (Yacktman) %. This places Sparebank 68 Grader Nord in the lower half of its industry. The industry median Forward Rate of Return (Yacktman) % is 15.35. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Forward Rate of Return (Yacktman) % for a Banks company?
The median Forward Rate of Return (Yacktman) % among Banks companies is 15.35, based on 1,418 companies in the industry. Companies in the top quartile (top 25%) have a Forward Rate of Return (Yacktman) % significantly above this median, while those in the bottom quartile fall well below. However, Forward Rate of Return (Yacktman) % 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 Forward Rate of Return (Yacktman) % mean?
A high Forward Rate of Return (Yacktman) % can signal that a stock is expensive relative to its fundamentals. Yacktman's forward rate of return equals the sum of normalized free-cash-flow yield plus earnings growth. View historical data on Sparebank 68 Grader Nord and its competitors. For the Banks industry, the median Forward Rate of Return (Yacktman) % is 15.35 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sparebank 68 Grader Nord's current Forward Rate of Return (Yacktman) % is 0.00%. 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 Fairly Valued. The stock's GF Value™ is kr191.43, compared to a current price of kr210.00 — trading 9.7% above its estimated fair value. The current Forward Rate of Return (Yacktman) % is 0.00%. Sparebank 68 Grader Nord's overall GF Score™ is 66/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Forward Rate of Return (Yacktman) % calculated?
Forward Rate of Return (Yacktman) % is calculated from a company's financial statements. For Sparebank 68 Grader Nord (OSL:SB68), the current Forward Rate of Return (Yacktman) % is 0.00% 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 kr210.00 is trading 9.7% above its estimated GF Value™ of kr191.43. GuruFocus considers Sparebank 68 Grader Nord to be Fairly Valued.

Key valuation signals for OSL:SB68:

  • Forward Rate of Return (Yacktman) %: 0.00%
  • GF Value™: kr191.43 vs. price of kr210.00 (9.7% above fair value)
  • GF Score™: 66/100 with 6 warning signs

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 Business Description

Address Storgata 9, Leknes, NOR, 8370
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.
66GF Score

Get the complete analysis for OSL:SB68

Forward Rate of Return (Yacktman) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

kr210.00
Price
kr191.43
GF Value