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Flekkefjord Sparebank ASAOSL:FFSB -2.27% ROA % is 0.89% as of Mar. 2026, which is 17% below its 10-year median of 1.07. The stock has 3 warning signs investors should review. Among 1,529 Banks companies, Flekkefjord Sparebank ASA ranks better than 52.52% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Flekkefjord Sparebank ASA's annualizedNet Income for the quarter that ended in Mar. 2026 was kr116.2 Mil.
Flekkefjord Sparebank ASA's average Total Assets over the quarter that ended in Mar. 2026 was kr13,087.7 Mil. Therefore, Flekkefjord Sparebank ASA's annualized ROA % for the quarter that ended in Mar. 2026 was 0.89%.
The historical rank and industry rank for Flekkefjord Sparebank ASA's ROA % or its related term are showing as below:
OSL:FFSB'
s ROA % Range Over the Past 10 Years
Min: 0.72 Med: 1.07 Max: 1.2
Current: 1.01
During the past 5 years, Flekkefjord Sparebank ASA's highest ROA % was 1.20%. The lowest was 0.72%. And the median was 1.07%.
OSL:FFSB's ROA % is ranked better than 52.52% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs OSL:FFSB: 1.01
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.
* 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, Flekkefjord Sparebank ASA'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.
Flekkefjord Sparebank ASA ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Flekkefjord Sparebank ASA's ROA % distribution charts can be found below:
* The bar in red indicates where Flekkefjord Sparebank ASA'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.
Flekkefjord Sparebank ASA (OSL:FFSB) has a ROA % of 0.89% 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 Flekkefjord Sparebank ASA and its competitors. This is 17% below median its historical median of 1.07. Over the past decade, Flekkefjord Sparebank ASA's ROA % has ranged from 0.72 to 1.20. According to the industry distribution chart, Flekkefjord Sparebank ASA ranks #726 out of 1529 companies in the Banks industry, placing it in the top 47.5%.
Is Flekkefjord Sparebank ASA's ROA % too high?
Flekkefjord Sparebank ASA's current ROA % of 0.89% is 17% below median its 10-year median of 1.07. Over the past 10 years, this metric has ranged from a low of 0.72 to a high of 1.20. The Banks industry median ROA % is 0.98. Flekkefjord Sparebank ASA's value of 0.89% is 9.2% below this industry median. Based on the distribution chart, Flekkefjord Sparebank ASA ranks #726 out of 1529 companies in the Banks industry, which is above the industry midpoint.
How does Flekkefjord Sparebank ASA's ROA % compare to competitors?
According to the Banks industry distribution chart, Flekkefjord Sparebank ASA ranks #726 out of 1529 companies for ROA %. This puts Flekkefjord Sparebank ASA in the upper half of its industry. The industry median ROA % is 0.98. Flekkefjord Sparebank ASA's value of 0.89% is 9.2% below this benchmark. Historically, Flekkefjord Sparebank ASA's own ROA % has ranged from 0.72 to 1.20 over the past decade. While the company's 10-year median is 1.07 vs. the industry median of 0.98, Flekkefjord Sparebank ASA 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 1,529 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. Flekkefjord Sparebank ASA's current ROA % of 0.89% is 9.2% 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 Flekkefjord Sparebank ASA 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. Flekkefjord Sparebank ASA's current ROA % is 0.89%, which is 17% below median its own 10-year median of 1.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Flekkefjord Sparebank ASA stock overvalued right now?
Flekkefjord Sparebank ASA (OSL:FFSB) has a current ROA % of 0.89%. The current ROA % is 0.89%, which is 17% below median its 10-year median of 1.07 and 9.2% below the Banks industry median of 0.98. 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 Flekkefjord Sparebank ASA (OSL:FFSB), the current ROA % is 0.89% 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.
Flekkefjord Sparebank ASA formerly Flekkefjord Sparebank is involved in banking activities and provides all the banking services to its customer. The banking services includes saving bank, commercial bank etc.
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