OSB GroupOSBGF 67 ROA % is 0.93% as of Dec. 2025, which is 26% below its 10-year median of 1.25. GuruFocus rates OSBGF with a GF Score™ of 67/100 and a GF Value™ of $6.44 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,528 Banks companies, OSB Group ranks worse than 52.88% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. OSB Group's annualizedNet Income for the quarter that ended in Dec. 2025 was $384.5 Mil.
OSB Group's average Total Assets over the quarter that ended in Dec. 2025 was $41,379.6 Mil. Therefore, OSB Group's annualized ROA % for the quarter that ended in Dec. 2025 was 0.93%.
The historical rank and industry rank for OSB Group's ROA % or its related term are showing as below:
OSBGF'
s ROA % Range Over the Past 10 Years
Min: 0.89 Med: 1.25 Max: 1.93
Current: 0.94
During the past 13 years, OSB Group's highest ROA % was 1.93%. The lowest was 0.89%. And the median was 1.25%.
OSBGF's ROA % is ranked worse than 52.88% of 1528
companies
in the Banks industry
Industry Median: 0.98
vs OSBGF: 0.94
OSB Group (OTCPK:OSBGF) ROA % Explanation
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 two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) 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.
OSB Group ROA % Related Terms
OSB Group ROA % Historical Data
* Premium members only.
The historical data trend for OSB Group'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 Mortgage Finance subindustry, OSB Group'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.
OSB Group ROA % vs Banks Industry
For the Banks industry and Financial Services sector, OSB Group's ROA % distribution charts can be found below:
* The bar in red indicates where OSB Group'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 two times the semi-annual (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
OSB Group (OSBGF) has a ROA % of 0.93% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on OSB Group and its competitors. This is 26% below median its historical median of 1.25. Over the past decade, OSB Group's ROA % has ranged from 0.89 to 1.93. According to the industry distribution chart, OSB Group ranks #808 out of 1528 companies in the Banks industry, placing it in the top 52.9%.
Is OSB Group's ROA % too high?
OSB Group's current ROA % of 0.93% is 26% below median its 10-year median of 1.25. Over the past 10 years, this metric has ranged from a low of 0.89 to a high of 1.93. The Banks industry median ROA % is 0.98. OSB Group's value of 0.93% is 5.1% below this industry median. Based on the distribution chart, OSB Group ranks #808 out of 1528 companies in the Banks industry, which is below the industry midpoint. Overall, OSB Group has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does OSB Group's ROA % compare to RKT and FNMA?
According to the Banks industry distribution chart, OSB Group ranks #808 out of 1528 companies for ROA %. This places OSB Group in the lower half of its industry. The industry median ROA % is 0.98. OSB Group's value of 0.93% is 5.1% below this benchmark. Historically, OSB Group's own ROA % has ranged from 0.89 to 1.93 over the past decade. While the company's 10-year median is 1.25 vs. the industry median of 0.98, OSB Group 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,528 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. OSB Group's current ROA % of 0.93% is 5.1% 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 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 OSB Group and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OSB Group's current ROA % is 0.93%, which is 26% below median its own 10-year median of 1.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is OSB Group stock overvalued right now?
Based on GuruFocus' analysis, OSB Group (OSBGF) is currently considered Fairly Valued. The stock's GF Value™ is $6.44, compared to a current price of $6.65 — trading 3.3% above its estimated fair value. The current ROA % is 0.93%, which is 26% below median its 10-year median of 1.25 and 5.1% below the Banks industry median of 0.98. OSB Group's overall GF Score™ is 67/100 with 1 warning sign 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 OSB Group (OSBGF), the current ROA % is 0.93% as of Dec. 2025. 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 OSB Group (OSBGF) Overvalued in 2026?
Based on GuruFocus' analysis, OSB Group stock appears to be overvalued.
The current stock price of $6.65 is trading 3.3% above its estimated GF Value™ of $6.44.
GuruFocus considers OSB Group to be Fairly Valued.
Key valuation signals for OSBGF:
ROA %: 0.93% (26% below median its 10-year median of 1.25)
GF Value™: $6.44 vs. price of $6.65 (3.3% above fair value)
Industry Position: 5.1% below the Banks median (#808 of 1528)
No single metric tells the full story. See the OSBGF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
OSB Group PLC is a specialist mortgage lender, focused on selected sub-segments of the mortgage market. Its lending business is supported by various funding platforms, including retail savings deposits sourced under two brands: Kent Reliance and Charter Savings Bank (CSB), securitisation platforms, debt issuance, and Bank of England schemes. The Group operates under two segments: OneSavings Bank (OSB) and Charter Court Financial Services (CCFS). The majority of its revenue is generated from the OSB segment, which includes first charge residential mortgages for owner-occupiers, under shared ownership schemes, Buy-to-Let mortgages secured on residential property held for investment purposes by landlords, and commercial mortgages secured on commercial and semi-commercial properties.
67GF Score
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