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Foroya Banki P/FOCSE:FOBANK -0.88%38 ROA % is 1.49% as of Mar. 2026, which is 1% below its 10-year median of 1.51. GuruFocus rates OCSE:FOBANK with a GF Score™ of 38/100 and a GF Value™ of kr165.03 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,527 Banks companies, Foroya Banki P/F ranks better than 86.9% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Foroya Banki P/F's annualizedNet Income for the quarter that ended in Mar. 2026 was kr223.6 Mil.
Foroya Banki P/F's average Total Assets over the quarter that ended in Mar. 2026 was kr14,987.0 Mil. Therefore, Foroya Banki P/F's annualized ROA % for the quarter that ended in Mar. 2026 was 1.49%.
The historical rank and industry rank for Foroya Banki P/F's ROA % or its related term are showing as below:
OCSE:FOBANK'
s ROA % Range Over the Past 10 Years
Min: 0.94 Med: 1.51 Max: 2.45
Current: 1.9
During the past 13 years, Foroya Banki P/F's highest ROA % was 2.45%. The lowest was 0.94%. And the median was 1.51%.
OCSE:FOBANK's ROA % is ranked better than 86.9% of 1527
companies
in the Banks industry
Industry Median: 1
vs OCSE:FOBANK: 1.90
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % 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 ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Foroya Banki P/F ROA % Related Terms
Foroya Banki P/F ROA % Historical Data
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The historical data trend for Foroya Banki P/F's ROA % 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, Foroya Banki P/F's ROA %, along with its competitors' market caps and ROA % 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.
Foroya Banki P/F ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Foroya Banki P/F's ROA % distribution charts can be found below:
* The bar in red indicates where Foroya Banki P/F's ROA % 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 ROA %, the net income of the last fiscal year and the average total 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.
ROA % is displayed in the 30-year financial page.
Foroya Banki P/F (OCSE:FOBANK) has a ROA % of 1.49% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Foroya Banki P/F and its competitors. This is near median its historical median of 1.51. Over the past decade, Foroya Banki P/F's ROA % has ranged from 0.94 to 2.45. According to the industry distribution chart, Foroya Banki P/F ranks #200 out of 1527 companies in the Banks industry, placing it in the top 13.1%.
Is Foroya Banki P/F's ROA % too high?
Foroya Banki P/F's current ROA % of 1.49% is near median its 10-year median of 1.51. Over the past 10 years, this metric has ranged from a low of 0.94 to a high of 2.45. The Banks industry median ROA % is 1.00. Foroya Banki P/F's value of 1.49% is 49% above this industry median. Based on the distribution chart, Foroya Banki P/F ranks #200 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Foroya Banki P/F has a GF Score™ of 38/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Foroya Banki P/F's ROA % compare to competitors?
According to the Banks industry distribution chart, Foroya Banki P/F ranks #200 out of 1527 companies for ROA %. This places Foroya Banki P/F in the top 13% of its industry — outperforming the majority of peers. The industry median ROA % is 1.00. Foroya Banki P/F's value of 1.49% is 49% above this benchmark. Historically, Foroya Banki P/F's own ROA % has ranged from 0.94 to 2.45 over the past decade. While the company's 10-year median is 1.51 vs. the industry median of 1.00, Foroya Banki P/F 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 ROA % for a Banks company?
The median ROA % among Banks companies is 1.00, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Foroya Banki P/F's current ROA % of 1.49% is 49% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Foroya Banki P/F and its competitors. For the Banks industry, the median ROA % is 1.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Foroya Banki P/F's current ROA % is 1.49%, which is near median its own 10-year median of 1.51. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Foroya Banki P/F stock overvalued right now?
Based on GuruFocus' analysis, Foroya Banki P/F (OCSE:FOBANK) is currently considered Significantly Overvalued. The stock's GF Value™ is kr165.03, compared to a current price of kr282.50 — trading 71.2% above its estimated fair value. The current ROA % is 1.49%, which is near median its 10-year median of 1.51 and 49% above the Banks industry median of 1.00. Foroya Banki P/F's overall GF Score™ is 38/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Foroya Banki P/F (OCSE:FOBANK), the current ROA % is 1.49% 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 Foroya Banki P/F (OCSE:FOBANK) Overvalued in 2026?
Based on GuruFocus' analysis, Foroya Banki P/F stock appears to be overvalued.
The current stock price of kr282.50 is trading 71.2% above its estimated GF Value™ of kr165.03.
GuruFocus considers Foroya Banki P/F to be Significantly Overvalued.
Key valuation signals for OCSE:FOBANK:
ROA %: 1.49% (near median its 10-year median of 1.51)
GF Value™: kr165.03 vs. price of kr282.50 (71.2% above fair value)
Industry Position: 49% above the Banks median (#200 of 1527)
No single metric tells the full story. See the OCSE:FOBANK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Foroya Banki P/F is a banking company. It provides a range of banking products and financial services to private and corporate customers. Its business units include Banking and Non-life insurance. The Banking unit comprises of Personal Banking and Corporate Banking. Personal Banking comprises private customers in the Faroe Islands and Greenland. Corporate Banking comprises corporate customers mainly in the Faroe Islands and in Greenland. The corporate also comprises a few remaining corporate customers from Denmark. Non-life insurance comprises the insurance company P/F TRYGD based The Faroe Islands. TRYGD is responsible for the-life insurance products. It operates in the Faroe Islands, Denmark and Greenland of which key revenue is derived from the Faroe Islands.
38GF Score
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