Aurskog Sparebank (LTS:0DNT) ROE %: 8.05% (As of Mar. 2026) — 15% Below Median


LTS:0DNT Aurskog Sparebank LTS:0DNT
52 GF Score
Price kr254.05
GF Value kr251.97
! 6 Warning Signs
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What is Aurskog Sparebank ROE %?

Aurskog Sparebank LTS:0DNT 52 ROE % is 8.05% as of Mar. 2026, which is 15% below its 10-year median of 9.42. GuruFocus rates LTS:0DNT with a GF Score™ of 52/100 and a GF Value™ of kr251.97. The stock has 6 warning signs investors should review. Among 1,527 Banks companies, Aurskog Sparebank ranks better than 52.98% on this metric.

ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Aurskog Sparebank's annualized net income for the quarter that ended in Mar. 2026 was kr204.1 Mil. Aurskog Sparebank's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was kr2,535.5 Mil. Therefore, Aurskog Sparebank's annualized ROE % for the quarter that ended in Mar. 2026 was 8.05%.

The historical rank and industry rank for Aurskog Sparebank's ROE % or its related term are showing as below:

LTS:0DNT' s ROE % Range Over the Past 10 Years
Min: 8.06   Med: 9.42   Max: 10.62
Current: 10.57

During the past 13 years, Aurskog Sparebank's highest ROE % was 10.62%. The lowest was 8.06%. And the median was 9.42%.

LTS:0DNT's ROE % is ranked better than
52.98% of 1527 companies
in the Banks industry
Industry Median: 10.23 vs LTS:0DNT: 10.57

Aurskog Sparebank  (LTS:0DNT) ROE % Explanation

ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.

The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:

ROE %(Q: Mar. 2026 )
=Net Income/Total Stockholders Equity
=204.084/2535.531
=(Net Income / Revenue )*(Revenue / Total Assets)*(Total Assets / Total Stockholders Equity)
=(204.084 / 472.44)*(472.44 / 21491.1565)*(21491.1565 / 2535.531)
=Net Margin %*Asset Turnover*Equity Multiplier
=43.2 %*0.022*8.476
=ROA %*Equity Multiplier
=0.95 %*8.476
=8.05 %

With this breakdown, it is clear that if a company grows its Net Profit Margin, its Asset Turnover, or its Leverage, it can grow its ROE %.

The factors that affect a company's ROE % can also be illustrated with the five-step DuPont Analysis:

ROE %(Q: Mar. 2026 )
=Net Income/Total Stockholders Equity
=204.084/2535.531
=(Net Income / Pre-Tax Income) * (Pre-Tax Income / Revenue) * (Revenue / Total Assets) * (Total Assets / Total Stockholders Equity)
= (204.084 / 266.636) * (266.636 / 472.44) * (472.44 / 21491.1565) * (21491.1565 / 2535.531)
= Tax Burden * Pretax Margin % * Asset Turnover * Equity Multiplier
= 0.7654 * 56.44 % * 0.022 * 8.476
=8.05 %

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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.

* 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

Net Income is used.

Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.

Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.


Aurskog Sparebank ROE % Related Terms


Aurskog Sparebank ROE % Historical Data

* Premium members only.

The historical data trend for Aurskog Sparebank's ROE % 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.

Aurskog Sparebank ROE % Chart

Aurskog Sparebank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 8.74 10.40 10.52 10.46 10.62

Aurskog Sparebank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % 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 9.06 13.22 9.54 11.49 8.05

Aurskog Sparebank ROE % Competitor Comparison

For the Banks - Regional subindustry, Aurskog Sparebank's ROE %, along with its competitors' market caps and ROE % 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.


Aurskog Sparebank ROE % vs Banks Industry

For the Banks industry and Financial Services sector, Aurskog Sparebank's ROE % distribution charts can be found below:

* The bar in red indicates where Aurskog Sparebank's ROE % falls into.


LTS:0DNT
52GF Score
Aurskog Sparebank LTS:0DNT
ROE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Aurskog Sparebank ROE % Calculation

Aurskog Sparebank's annualized ROE % for the fiscal year that ended in Dec. 2025 is calculated as

ROE %=Net Income (A: Dec. 2025 )/( (Total Stockholders Equity (A: Dec. 2024 )+Total Stockholders Equity (A: Dec. 2025 ))/ count )
=259.862/( (2337.386+2554.77)/ 2 )
=259.862/2446.078
=10.62 %

Aurskog Sparebank's annualized ROE % for the quarter that ended in Mar. 2026 is calculated as

ROE %=Net Income (Q: Mar. 2026 )/( (Total Stockholders Equity (Q: Dec. 2025 )+Total Stockholders Equity (Q: Mar. 2026 ))/ count )
=204.084/( (2554.77+2516.292)/ 2 )
=204.084/2535.531
=8.05 %

* 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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. ROE % is displayed in the 30-year financial page.

Frequently Asked Questions Learn more about ROE % →
What does a ROE % of 8.05% mean?
Aurskog Sparebank (LTS:0DNT) has a ROE % of 8.05% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Aurskog Sparebank and its competitors. This is 15% below median its historical median of 9.42. Over the past decade, Aurskog Sparebank's ROE % has ranged from 8.06 to 10.62. According to the industry distribution chart, Aurskog Sparebank ranks #718 out of 1527 companies in the Banks industry, placing it in the top 47%.
Is Aurskog Sparebank's ROE % too high?
Aurskog Sparebank's current ROE % of 8.05% is 15% below median its 10-year median of 9.42. Over the past 10 years, this metric has ranged from a low of 8.06 to a high of 10.62. The Banks industry median ROE % is 10.23. Aurskog Sparebank's value of 8.05% is 21.3% below this industry median. Based on the distribution chart, Aurskog Sparebank ranks #718 out of 1527 companies in the Banks industry, which is above the industry midpoint. Overall, Aurskog Sparebank has a GF Score™ of 52/100, reflecting its overall financial health beyond just this single metric.
How does Aurskog Sparebank's ROE % compare to competitors?
According to the Banks industry distribution chart, Aurskog Sparebank ranks #718 out of 1527 companies for ROE %. This puts Aurskog Sparebank in the upper half of its industry. The industry median ROE % is 10.23. Aurskog Sparebank's value of 8.05% is 21.3% below this benchmark. Historically, Aurskog Sparebank's own ROE % has ranged from 8.06 to 10.62 over the past decade. While the company's 10-year median is 9.42 vs. the industry median of 10.23, Aurskog 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.23, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Aurskog Sparebank's current ROE % of 8.05% is 21.3% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Aurskog Sparebank and its competitors. For the Banks industry, the median ROE % is 10.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aurskog Sparebank's current ROE % is 8.05%, which is 15% below median its own 10-year median of 9.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Aurskog Sparebank stock overvalued right now?
Aurskog Sparebank (LTS:0DNT) has a current ROE % of 8.05%. The stock's GF Value™ is kr251.97, compared to a current price of kr254.05 — trading 0.8% above its estimated fair value. The current ROE % is 8.05%, which is 15% below median its 10-year median of 9.42 and 21.3% below the Banks industry median of 10.23. Aurskog Sparebank's overall GF Score™ is 52/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Aurskog Sparebank (LTS:0DNT), the current ROE % is 8.05% 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 Aurskog Sparebank (LTS:0DNT) Overvalued in 2026?

Based on GuruFocus' analysis, Aurskog Sparebank stock appears to be overvalued. The current stock price of kr254.05 is trading 0.8% above its estimated GF Value™ of kr251.97.

Key valuation signals for LTS:0DNT:

  • ROE %: 8.05% (15% below median its 10-year median of 9.42)
  • GF Value™: kr251.97 vs. price of kr254.05 (0.8% above fair value)
  • GF Score™: 52/100 with 6 warning signs
  • Industry Position: 21.3% below the Banks median (#718 of 1527)

No single metric tells the full story. See the LTS:0DNT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Aurskog Sparebank Business Description

Other Exchanges AURG:Norway
Address Senterveien 15, Aurskog, NOR, 1930
Aurskog Sparebank operates as a local bank. It offers a range of financial services including Daily banking, Loans, Savings, Insurance, Agriculture, and Retirement. The Bank also offers credit cards, debit cards, structured products, stock savings, mobile banking, and online banking services.
52GF Score

Get the complete analysis for LTS:0DNT

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

kr254.05
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kr251.97
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