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ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Holand og Setskog Sparebank's annualizedNet Income for the quarter that ended in Mar. 2026 was kr23.7 Mil.
Holand og Setskog Sparebank's average Total Assets over the quarter that ended in Mar. 2026 was kr9,127.4 Mil. Therefore, Holand og Setskog Sparebank's annualized ROA % for the quarter that ended in Mar. 2026 was 0.26%.
The historical rank and industry rank for Holand og Setskog Sparebank's ROA % or its related term are showing as below:
OSL:HSPG'
s ROA % Range Over the Past 10 Years
Min: 0.46 Med: 0.75 Max: 1.09
Current: 0.46
During the past 13 years, Holand og Setskog Sparebank's highest ROA % was 1.09%. The lowest was 0.46%. And the median was 0.75%.
OSL:HSPG's ROA % is ranked worse than 80.45% of 1524
companies
in the Banks industry
Industry Median: 0.99
vs OSL:HSPG: 0.46
Holand og Setskog Sparebank (OSL:HSPG) 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 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, Holand og Setskog Sparebank'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.
Holand og Setskog Sparebank ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Holand og Setskog Sparebank's ROA % distribution charts can be found below:
* The bar in red indicates where Holand og Setskog Sparebank'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.
Holand og Setskog Sparebank (OSL:HSPG) has a ROA % of 0.26% 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 Holand og Setskog Sparebank and its competitors. This is 65% below median its historical median of 0.75. Over the past decade, Holand og Setskog Sparebank's ROA % has ranged from 0.46 to 1.09. According to the industry distribution chart, Holand og Setskog Sparebank ranks #1226 out of 1524 companies in the Banks industry, placing it in the top 80.4%.
Is Holand og Setskog Sparebank's ROA % too high?
Holand og Setskog Sparebank's current ROA % of 0.26% is 65% below median its 10-year median of 0.75. Over the past 10 years, this metric has ranged from a low of 0.46 to a high of 1.09. The Banks industry median ROA % is 0.99. Holand og Setskog Sparebank's value of 0.26% is 73.7% below this industry median. Based on the distribution chart, Holand og Setskog Sparebank ranks #1226 out of 1524 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Holand og Setskog Sparebank has a GF Score™ of 53/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Holand og Setskog Sparebank's ROA % compare to PNC and USB?
According to the Banks industry distribution chart, Holand og Setskog Sparebank ranks #1226 out of 1524 companies for ROA %. This places Holand og Setskog Sparebank in the lower half of its industry. The industry median ROA % is 0.99. Holand og Setskog Sparebank's value of 0.26% is 73.7% below this benchmark. Historically, Holand og Setskog Sparebank's own ROA % has ranged from 0.46 to 1.09 over the past decade. While the company's 10-year median is 0.75 vs. the industry median of 0.99, Holand og Setskog 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.99, based on 1,524 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. Holand og Setskog Sparebank's current ROA % of 0.26% is 73.7% 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 Holand og Setskog Sparebank and its competitors. For the Banks industry, the median ROA % is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Holand og Setskog Sparebank's current ROA % is 0.26%, which is 65% below median its own 10-year median of 0.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Holand og Setskog Sparebank stock overvalued right now?
Based on GuruFocus' analysis, Holand og Setskog Sparebank (OSL:HSPG) is currently considered Fairly Valued. The stock's GF Value™ is kr139.88, compared to a current price of kr145.30 — trading 3.9% above its estimated fair value. The current ROA % is 0.26%, which is 65% below median its 10-year median of 0.75 and 73.7% below the Banks industry median of 0.99. Holand og Setskog Sparebank's overall GF Score™ is 53/100 with 4 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 Holand og Setskog Sparebank (OSL:HSPG), the current ROA % is 0.26% 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 Holand og Setskog Sparebank (OSL:HSPG) Overvalued in 2026?
Based on GuruFocus' analysis, Holand og Setskog Sparebank stock appears to be overvalued.
The current stock price of kr145.30 is trading 3.9% above its estimated GF Value™ of kr139.88.
GuruFocus considers Holand og Setskog Sparebank to be Fairly Valued.
Key valuation signals for OSL:HSPG:
ROA %: 0.26% (65% below median its 10-year median of 0.75)
GF Value™: kr139.88 vs. price of kr145.30 (3.9% above fair value)
Industry Position: 73.7% below the Banks median (#1226 of 1524)
No single metric tells the full story. See the OSL:HSPG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Holand og Setskog Sparebank operates as a savings bank. It offers a range of financial services including loans, savings, advice, insurance and pensions to personal and corporate customers. The Bank also offers credit cards, debit cards, structured products, stock savings, mobile banking and online banking services.
53GF Score
Get the complete analysis for OSL:HSPG
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