Norion Bank ABCHIX:NORIOS 59 Return-on-Tangible-Asset is 1.77% as of Mar. 2026, which is 14% below its 10-year median of 2.05. GuruFocus rates CHIX:NORIOS with a GF Score™ of 59/100 and a GF Value™ of kr46.01 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,528 Banks companies, Norion Bank AB ranks better than 87.57% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Norion Bank AB's annualizedNet Income for the quarter that ended in Mar. 2026 was kr1,204 Mil. Norion Bank AB's average total tangible assets for the quarter that ended in Mar. 2026 was kr67,834 Mil. Therefore, Norion Bank AB's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.77%.
The historical rank and industry rank for Norion Bank AB's Return-on-Tangible-Asset or its related term are showing as below:
CHIX:NORIOs'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -0.66 Med: 2.05 Max: 2.76
Current: 1.94
During the past 10 years, Norion Bank AB's highest Return-on-Tangible-Asset was 2.76%. The lowest was -0.66%. And the median was 2.05%.
CHIX:NORIOs's Return-on-Tangible-Asset is ranked better than 87.57% of 1528
companies
in the Banks industry
Industry Median: 0.99
vs CHIX:NORIOs: 1.94
Norion Bank AB (CHIX:NORIOs) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Norion Bank AB Return-on-Tangible-Asset Related Terms
Norion Bank AB Return-on-Tangible-Asset Historical Data
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The historical data trend for Norion Bank AB's Return-on-Tangible-Asset 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.
CHIX:NORIOS vs PNC, USB: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Norion Bank AB's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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.
Norion Bank AB Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Norion Bank AB's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Norion Bank AB's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.77% mean?
Norion Bank AB (CHIX:NORIOS) has a Return-on-Tangible-Asset of 1.77% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Norion Bank AB and its competitors. This is 14% below median its historical median of 2.05. According to the industry distribution chart, Norion Bank AB ranks #190 out of 1528 companies in the Banks industry, placing it in the top 12.4%.
Is Norion Bank AB's Return-on-Tangible-Asset too high?
Norion Bank AB's current Return-on-Tangible-Asset of 1.77% is 14% below median its 10-year median of 2.05. The Banks industry median Return-on-Tangible-Asset is 0.99. Norion Bank AB's value of 1.77% is 78.8% above this industry median. Based on the distribution chart, Norion Bank AB ranks #190 out of 1528 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Norion Bank AB has a GF Score™ of 59/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Norion Bank AB's Return-on-Tangible-Asset compare to PNC and USB?
According to the Banks industry distribution chart, Norion Bank AB ranks #190 out of 1528 companies for Return-on-Tangible-Asset. This places Norion Bank AB in the top 12% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 0.99. Norion Bank AB's value of 1.77% is 78.8% above this benchmark. While the company's 10-year median is 2.05 vs. the industry median of 0.99, Norion Bank AB 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Norion Bank AB's current Return-on-Tangible-Asset of 1.77% is 78.8% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Norion Bank AB and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Norion Bank AB's current Return-on-Tangible-Asset is 1.77%, which is 14% below median its own 10-year median of 2.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Norion Bank AB stock overvalued right now?
Based on GuruFocus' analysis, Norion Bank AB (CHIX:NORIOS) is currently considered Modestly Overvalued. The stock's GF Value™ is kr46.01, compared to a current price of kr58.30 — trading 26.7% above its estimated fair value. The current Return-on-Tangible-Asset is 1.77%, which is 14% below median its 10-year median of 2.05 and 78.8% above the Banks industry median of 0.99. Norion Bank AB's overall GF Score™ is 59/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Norion Bank AB (CHIX:NORIOS), the current Return-on-Tangible-Asset is 1.77% 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 Norion Bank AB (CHIX:NORIOS) Overvalued in 2026?
Based on GuruFocus' analysis, Norion Bank AB stock appears to be overvalued.
The current stock price of kr58.30 is trading 26.7% above its estimated GF Value™ of kr46.01.
GuruFocus considers Norion Bank AB to be Modestly Overvalued.
Key valuation signals for CHIX:NORIOS:
Return-on-Tangible-Asset: 1.77% (14% below median its 10-year median of 2.05)
GF Value™: kr46.01 vs. price of kr58.30 (26.7% above fair value)
Industry Position: 78.8% above the Banks median (#190 of 1528)
No single metric tells the full story. See the CHIX:NORIOS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Norion Bank AB specializes in financing solutions for corporate and private individuals, with particular focus on small and medium-sized companies. The main business is conducted through four segments namely Corporate, Real estate, Consumer and Payments. The Corporate segment includes corporate loans and factoring directed mainly at small and medium-sized companies in a wide range of industries in Sweden, Norway and Finland. The Real estate segment comprises real estate loans focusing on metropolitan areas and university cities in the Nordic region and the Consumer segment offers unsecured loans to private individuals The Payments segment offers payment and checkout solutions for e-commerce and retail chains.
59GF Score
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