Rogaland SparebankOSL:ROGS 59 Return-on-Tangible-Equity is 9.18% as of Mar. 2026, which is 1% above its 10-year median of 9.08. GuruFocus rates OSL:ROGS with a GF Score™ of 59/100 and a GF Value™ of kr125.68 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 1,523 Banks companies, Rogaland Sparebank ranks worse than 56.8% 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. Rogaland Sparebank's annualized net income for the quarter that ended in Mar. 2026 was kr405 Mil. Rogaland Sparebank's average shareholder tangible equity for the quarter that ended in Mar. 2026 was kr4,410 Mil. Therefore, Rogaland Sparebank's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 9.18%.
The historical rank and industry rank for Rogaland Sparebank's Return-on-Tangible-Equity or its related term are showing as below:
OSL:ROGS'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 7.57 Med: 9.08 Max: 11.6
Current: 10.15
During the past 13 years, Rogaland Sparebank's highest Return-on-Tangible-Equity was 11.60%. The lowest was 7.57%. And the median was 9.08%.
OSL:ROGS's Return-on-Tangible-Equity is ranked worse than 56.8% of 1523
companies
in the Banks industry
Industry Median: 11.19
vs OSL:ROGS: 10.15
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.
Rogaland Sparebank Return-on-Tangible-Equity Related Terms
Rogaland Sparebank Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Rogaland Sparebank'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, Rogaland Sparebank'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.
Rogaland Sparebank Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Rogaland Sparebank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Rogaland Sparebank'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 9.18% mean?
Rogaland Sparebank (OSL:ROGS) has a Return-on-Tangible-Equity of 9.18% 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 Rogaland Sparebank and its competitors. This is near median its historical median of 9.08. Over the past decade, Rogaland Sparebank's Return-on-Tangible-Equity has ranged from 7.57 to 11.60. According to the industry distribution chart, Rogaland Sparebank ranks #865 out of 1523 companies in the Banks industry, placing it in the top 56.8%.
Is Rogaland Sparebank's Return-on-Tangible-Equity too high?
Rogaland Sparebank's current Return-on-Tangible-Equity of 9.18% is near median its 10-year median of 9.08. Over the past 10 years, this metric has ranged from a low of 7.57 to a high of 11.60. The Banks industry median Return-on-Tangible-Equity is 11.19. Rogaland Sparebank's value of 9.18% is 18% below this industry median. Based on the distribution chart, Rogaland Sparebank ranks #865 out of 1523 companies in the Banks industry, which is below the industry midpoint. Overall, Rogaland Sparebank has a GF Score™ of 59/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Rogaland Sparebank's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Rogaland Sparebank ranks #865 out of 1523 companies for Return-on-Tangible-Equity. This places Rogaland Sparebank in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.19. Rogaland Sparebank's value of 9.18% is 18% below this benchmark. Historically, Rogaland Sparebank's own Return-on-Tangible-Equity has ranged from 7.57 to 11.60 over the past decade. While the company's 10-year median is 9.08 vs. the industry median of 11.19, Rogaland 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,523 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. Rogaland Sparebank's current Return-on-Tangible-Equity of 9.18% is 18% 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 Rogaland Sparebank and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Rogaland Sparebank's current Return-on-Tangible-Equity is 9.18%, which is near median its own 10-year median of 9.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Rogaland Sparebank stock overvalued right now?
Based on GuruFocus' analysis, Rogaland Sparebank (OSL:ROGS) is currently considered Modestly Overvalued. The stock's GF Value™ is kr125.68, compared to a current price of kr146.00 — trading 16.2% above its estimated fair value. The current Return-on-Tangible-Equity is 9.18%, which is near median its 10-year median of 9.08 and 18% below the Banks industry median of 11.19. Rogaland Sparebank's overall GF Score™ is 59/100 with 9 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 Rogaland Sparebank (OSL:ROGS), the current Return-on-Tangible-Equity is 9.18% 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 Rogaland Sparebank (OSL:ROGS) Overvalued in 2026?
Based on GuruFocus' analysis, Rogaland Sparebank stock appears to be overvalued.
The current stock price of kr146.00 is trading 16.2% above its estimated GF Value™ of kr125.68.
GuruFocus considers Rogaland Sparebank to be Modestly Overvalued.
Key valuation signals for OSL:ROGS:
Return-on-Tangible-Equity: 9.18% (near median its 10-year median of 9.08)
GF Value™: kr125.68 vs. price of kr146.00 (16.2% above fair value)
Industry Position: 18% below the Banks median (#865 of 1523)
No single metric tells the full story. See the OSL:ROGS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Rogaland Sparebank is an independent savings bank. The company offers a broad range of banking and investment products to retail and corporate customers. The services provided by the company include daily banking, Insurance, loans, Savings, pensions, and others.
59GF Score
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