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SpareBank 1 HelgelandLTS:0EO8 59 Return-on-Tangible-Equity is 10.05% as of Mar. 2026, which is 7% above its 10-year median of 9.37. GuruFocus rates LTS:0EO8 with a GF Score™ of 59/100 and a GF Value™ of kr132.13 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,518 Banks companies, SpareBank 1 Helgeland ranks worse than 62.12% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. SpareBank 1 Helgeland's annualized net income for the quarter that ended in Mar. 2026 was kr532 Mil. SpareBank 1 Helgeland's average shareholder tangible equity for the quarter that ended in Mar. 2026 was kr5,294 Mil. Therefore, SpareBank 1 Helgeland's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 10.05%.
The historical rank and industry rank for SpareBank 1 Helgeland's Return-on-Tangible-Equity or its related term are showing as below:
LTS:0EO8'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 4.51 Med: 9.37 Max: 12.15
Current: 9.24
During the past 13 years, SpareBank 1 Helgeland's highest Return-on-Tangible-Equity was 12.15%. The lowest was 4.51%. And the median was 9.37%.
LTS:0EO8's Return-on-Tangible-Equity is ranked worse than 62.12% of 1518
companies
in the Banks industry
Industry Median: 11.27
vs LTS:0EO8: 9.24
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
SpareBank 1 Helgeland Return-on-Tangible-Equity Related Terms
SpareBank 1 Helgeland Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for SpareBank 1 Helgeland's Return-on-Tangible-Equity 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, SpareBank 1 Helgeland's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Helgeland Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, SpareBank 1 Helgeland's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where SpareBank 1 Helgeland's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 10.05% mean?
SpareBank 1 Helgeland (LTS:0EO8) has a Return-on-Tangible-Equity of 10.05% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on SpareBank 1 Helgeland and its competitors. This is near median its historical median of 9.37. Over the past decade, SpareBank 1 Helgeland's Return-on-Tangible-Equity has ranged from 4.51 to 12.15. According to the industry distribution chart, SpareBank 1 Helgeland ranks #943 out of 1518 companies in the Banks industry, placing it in the top 62.1%.
Is SpareBank 1 Helgeland's Return-on-Tangible-Equity too high?
SpareBank 1 Helgeland's current Return-on-Tangible-Equity of 10.05% is near median its 10-year median of 9.37. Over the past 10 years, this metric has ranged from a low of 4.51 to a high of 12.15. The Banks industry median Return-on-Tangible-Equity is 11.27. SpareBank 1 Helgeland's value of 10.05% is 10.8% below this industry median. Based on the distribution chart, SpareBank 1 Helgeland ranks #943 out of 1518 companies in the Banks industry, which is below the industry midpoint. Overall, SpareBank 1 Helgeland has a GF Score™ of 59/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SpareBank 1 Helgeland's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, SpareBank 1 Helgeland ranks #943 out of 1518 companies for Return-on-Tangible-Equity. This places SpareBank 1 Helgeland in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.27. SpareBank 1 Helgeland's value of 10.05% is 10.8% below this benchmark. Historically, SpareBank 1 Helgeland's own Return-on-Tangible-Equity has ranged from 4.51 to 12.15 over the past decade. While the company's 10-year median is 9.37 vs. the industry median of 11.27, SpareBank 1 Helgeland 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.27, based on 1,518 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SpareBank 1 Helgeland's current Return-on-Tangible-Equity of 10.05% is 10.8% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on SpareBank 1 Helgeland and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SpareBank 1 Helgeland's current Return-on-Tangible-Equity is 10.05%, which is near median its own 10-year median of 9.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SpareBank 1 Helgeland stock overvalued right now?
Based on GuruFocus' analysis, SpareBank 1 Helgeland (LTS:0EO8) is currently considered Modestly Overvalued. The stock's GF Value™ is kr132.13, compared to a current price of kr152.00 — trading 15% above its estimated fair value. The current Return-on-Tangible-Equity is 10.05%, which is near median its 10-year median of 9.37 and 10.8% below the Banks industry median of 11.27. SpareBank 1 Helgeland's overall GF Score™ is 59/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For SpareBank 1 Helgeland (LTS:0EO8), the current Return-on-Tangible-Equity is 10.05% 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 Helgeland (LTS:0EO8) Overvalued in 2026?
Based on GuruFocus' analysis, SpareBank 1 Helgeland stock appears to be overvalued.
The current stock price of kr152.00 is trading 15% above its estimated GF Value™ of kr132.13.
GuruFocus considers SpareBank 1 Helgeland to be Modestly Overvalued.
Key valuation signals for LTS:0EO8:
Return-on-Tangible-Equity: 10.05% (near median its 10-year median of 9.37)
GF Value™: kr132.13 vs. price of kr152.00 (15% above fair value)
Industry Position: 10.8% below the Banks median (#943 of 1518)
No single metric tells the full story. See the LTS:0EO8 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SpareBank 1 Helgeland is a regional bank engaged in providing banking and financial services. It offers savings products, payment services, credit cards, saving accounts, placement services, loans, insurance, shares, and currencies, as well as an online banking facility. The bank's operations are divided into two segments: Retail Market (RM) and Corporate Market (CM). The company serves creditors, customers, employees, management, and society in general. Geographically, all the operations of the bank are carried out from Helgeland.
59GF Score
Get the complete analysis for LTS:0EO8
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