Norion Bank ABOSTO:NORION -0.33%65 ROA % is 1.77% as of Mar. 2026, which is 13% below its 10-year median of 2.04. GuruFocus rates OSTO:NORION with a GF Score™ of 65/100 and a GF Value™ of kr45.14 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,529 Banks companies, Norion Bank AB ranks better than 87.64% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Norion Bank AB's annualizedNet Income for the quarter that ended in Mar. 2026 was kr1,204 Mil.
Norion Bank AB's average Total Assets over the quarter that ended in Mar. 2026 was kr67,998 Mil. Therefore, Norion Bank AB's annualized ROA % for the quarter that ended in Mar. 2026 was 1.77%.
The historical rank and industry rank for Norion Bank AB's ROA % or its related term are showing as below:
OSTO:NORION'
s ROA % Range Over the Past 10 Years
Min: -0.66 Med: 2.04 Max: 2.73
Current: 1.94
During the past 10 years, Norion Bank AB's highest ROA % was 2.73%. The lowest was -0.66%. And the median was 2.04%.
OSTO:NORION's ROA % is ranked better than 87.64% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs OSTO:NORION: 1.94
Norion Bank AB (OSTO:NORION) 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.
Norion Bank AB ROA % Related Terms
Norion Bank AB ROA % Historical Data
* Premium members only.
The historical data trend for Norion Bank AB'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, Norion Bank AB'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.
Norion Bank AB ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Norion Bank AB's ROA % distribution charts can be found below:
* The bar in red indicates where Norion Bank AB'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.
Norion Bank AB (OSTO:NORION) has a ROA % of 1.77% 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 Norion Bank AB and its competitors. This is 13% below median its historical median of 2.04. According to the industry distribution chart, Norion Bank AB ranks #189 out of 1529 companies in the Banks industry, placing it in the top 12.4%.
Is Norion Bank AB's ROA % too high?
Norion Bank AB's current ROA % of 1.77% is 13% below median its 10-year median of 2.04. The Banks industry median ROA % is 0.98. Norion Bank AB's value of 1.77% is 80.6% above this industry median. Based on the distribution chart, Norion Bank AB ranks #189 out of 1529 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Norion Bank AB has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Norion Bank AB's ROA % compare to PNC and USB?
According to the Banks industry distribution chart, Norion Bank AB ranks #189 out of 1529 companies for ROA %. This places Norion Bank AB in the top 12% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. Norion Bank AB's value of 1.77% is 80.6% above this benchmark. While the company's 10-year median is 2.04 vs. the industry median of 0.98, Norion Bank AB 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 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. Norion Bank AB's current ROA % of 1.77% is 80.6% 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 Norion Bank AB 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. Norion Bank AB's current ROA % is 1.77%, which is 13% below median its own 10-year median of 2.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Norion Bank AB stock overvalued right now?
Based on GuruFocus' analysis, Norion Bank AB (OSTO:NORION) is currently considered Significantly Overvalued. The stock's GF Value™ is kr45.14, compared to a current price of kr61.00 — trading 35.1% above its estimated fair value. The current ROA % is 1.77%, which is 13% below median its 10-year median of 2.04 and 80.6% above the Banks industry median of 0.98. Norion Bank AB's overall GF Score™ is 65/100 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 Norion Bank AB (OSTO:NORION), the current ROA % is 1.77% 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 Norion Bank AB (OSTO:NORION) Overvalued in 2026?
Based on GuruFocus' analysis, Norion Bank AB stock appears to be overvalued.
The current stock price of kr61.00 is trading 35.1% above its estimated GF Value™ of kr45.14.
GuruFocus considers Norion Bank AB to be Significantly Overvalued.
Key valuation signals for OSTO:NORION:
ROA %: 1.77% (13% below median its 10-year median of 2.04)
GF Value™: kr45.14 vs. price of kr61.00 (35.1% above fair value)
Industry Position: 80.6% above the Banks median (#189 of 1529)
No single metric tells the full story. See the OSTO:NORION stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Norion Bank AB specializes in financing solutions for corporate and private individuals, with particular focus on small and medium-sized companies. The main business is conducted through four segments namely Corporate, Real estate, Consumer and Payments. The Corporate segment includes corporate loans and factoring directed mainly at small and medium-sized companies in a wide range of industries in Sweden, Norway and Finland. The Real estate segment comprises real estate loans focusing on metropolitan areas and university cities in the Nordic region and the Consumer segment offers unsecured loans to private individuals The Payments segment offers payment and checkout solutions for e-commerce and retail chains.
65GF Score
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