SpareBank 1 Ostlandet (OSL:SPOL) ROE % Adjusted to Book Value: 11.36% (As of Mar. 2026)


OSL:SPOL SpareBank 1 Ostlandet OSL:SPOL
63 GF Score
Price kr188.74
GF Value kr165.17
Valuation Modestly Overvalued
! 4 Warning Signs
View Full Analysis

What is SpareBank 1 Ostlandet ROE % Adjusted to Book Value?

SpareBank 1 Ostlandet OSL:SPOL +0.35% 63 ROE % Adjusted to Book Value is 11.36% as of Mar. 2026. GuruFocus rates OSL:SPOL with a GF Score™ of 63/100 and a GF Value™ of kr165.17 (Modestly Overvalued). The stock has 4 warning signs investors should review.

SpareBank 1 Ostlandet's ROE % for the quarter that ended in Mar. 2026 was 11.81%. SpareBank 1 Ostlandet's PB Ratio for the quarter that ended in Mar. 2026 was 1.04. SpareBank 1 Ostlandet's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 11.36%.


SpareBank 1 Ostlandet ROE % Adjusted to Book Value Related Terms


SpareBank 1 Ostlandet ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for SpareBank 1 Ostlandet's ROE % Adjusted to Book Value 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.

SpareBank 1 Ostlandet ROE % Adjusted to Book Value Chart

SpareBank 1 Ostlandet Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 12.43 14.06 14.83 17.30 13.02

SpareBank 1 Ostlandet Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 15.01 14.04 13.76 12.88 11.36

SpareBank 1 Ostlandet ROE % Adjusted to Book Value Competitor Comparison

For the Banks - Regional subindustry, SpareBank 1 Ostlandet's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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.


SpareBank 1 Ostlandet ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, SpareBank 1 Ostlandet's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where SpareBank 1 Ostlandet's ROE % Adjusted to Book Value falls into.


OSL:SPOL
63GF Score
SpareBank 1 Ostlandet OSL:SPOL
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

SpareBank 1 Ostlandet ROE % Adjusted to Book Value Calculation

SpareBank 1 Ostlandet's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=13.15% / 1.01
=13.02%

SpareBank 1 Ostlandet's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=11.81% / 1.04
=11.36%

* 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.

What does a ROE % Adjusted to Book Value of 11.36% mean?
SpareBank 1 Ostlandet (OSL:SPOL) has a ROE % Adjusted to Book Value of 11.36% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on SpareBank 1 Ostlandet and its competitors.
Is SpareBank 1 Ostlandet's ROE % Adjusted to Book Value too high?
SpareBank 1 Ostlandet's current ROE % Adjusted to Book Value is 11.36%. Overall, SpareBank 1 Ostlandet has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SpareBank 1 Ostlandet's ROE % Adjusted to Book Value compare to competitors?
SpareBank 1 Ostlandet's ROE % Adjusted to Book Value of 11.36% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on SpareBank 1 Ostlandet and its competitors. SpareBank 1 Ostlandet's current ROE % Adjusted to Book Value is 11.36%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SpareBank 1 Ostlandet stock overvalued right now?
Based on GuruFocus' analysis, SpareBank 1 Ostlandet (OSL:SPOL) is currently considered Modestly Overvalued. The stock's GF Value™ is kr165.17, compared to a current price of kr188.74 — trading 14.3% above its estimated fair value. The current ROE % Adjusted to Book Value is 11.36%. SpareBank 1 Ostlandet's overall GF Score™ is 63/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For SpareBank 1 Ostlandet (OSL:SPOL), the current ROE % Adjusted to Book Value is 11.36% 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 SpareBank 1 Ostlandet (OSL:SPOL) Overvalued in 2026?

Based on GuruFocus' analysis, SpareBank 1 Ostlandet stock appears to be overvalued. The current stock price of kr188.74 is trading 14.3% above its estimated GF Value™ of kr165.17. GuruFocus considers SpareBank 1 Ostlandet to be Modestly Overvalued.

Key valuation signals for OSL:SPOL:

  • ROE % Adjusted to Book Value: 11.36%
  • GF Value™: kr165.17 vs. price of kr188.74 (14.3% above fair value)
  • GF Score™: 63/100 with 4 warning signs

No single metric tells the full story. See the OSL:SPOL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


SpareBank 1 Ostlandet Business Description

Other Exchanges 0RU6:UK
Address Strandgata 15, Postbox 203, Hamar, NOR, N-2302
SpareBank 1 Ostlandet is a savings bank and regional financial institution. The bank offers financial products and services, including savings, financing, payment processing, insurance, capital management, investments, loans and credits, advisory services, foreign exchange and interest rate hedging, and pension solutions. The Group reports the following operating segments: Retail Banking (PM), Corporate Banking (BM), Real Estate Agency, Financing/Leasing, Accounting Services, and Unallocated operations. The bank mainly operates in Eastern Norway with a presence in Innlandet, Oslo, Akershus, and Buskerud through a branch network, digital channels, and customer centres.
63GF Score

Get the complete analysis for OSL:SPOL

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

kr188.74
Price
kr165.17
GF Value