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Skjern Bank ASLTS:0G19 +0.64%60 ROE % is 14.87% as of Mar. 2026, which is 7% above its 10-year median of 13.87. GuruFocus rates LTS:0G19 with a GF Score™ of 60/100 and a GF Value™ of kr219.78 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,521 Banks companies, Skjern Bank AS ranks better than 72.58% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Skjern Bank AS's annualized net income for the quarter that ended in Mar. 2026 was kr297.5 Mil. Skjern Bank AS's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was kr2,000.5 Mil. Therefore, Skjern Bank AS's annualized ROE % for the quarter that ended in Mar. 2026 was 14.87%.
The historical rank and industry rank for Skjern Bank AS's ROE % or its related term are showing as below:
LTS:0G19'
s ROE % Range Over the Past 10 Years
Min: 10.83 Med: 13.87 Max: 17.49
Current: 13.65
During the past 13 years, Skjern Bank AS's highest ROE % was 17.49%. The lowest was 10.83%. And the median was 13.87%.
LTS:0G19's ROE % is ranked better than 72.58% of 1521
companies
in the Banks industry
Industry Median: 10.49
vs LTS:0G19: 13.65
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:
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.
Skjern Bank AS ROE % Related Terms
Skjern Bank AS ROE % Historical Data
* Premium members only.
The historical data trend for Skjern Bank AS'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.
For the Banks - Regional subindustry, Skjern Bank AS'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.
Skjern Bank AS ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Skjern Bank AS's ROE % distribution charts can be found below:
* The bar in red indicates where Skjern Bank AS's ROE % 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 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.
Skjern Bank AS (LTS:0G19) has a ROE % of 14.87% 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 Skjern Bank AS and its competitors. This is near median its historical median of 13.87. Over the past decade, Skjern Bank AS's ROE % has ranged from 10.83 to 17.49. According to the industry distribution chart, Skjern Bank AS ranks #417 out of 1521 companies in the Banks industry, placing it in the top 27.4%.
Is Skjern Bank AS's ROE % too high?
Skjern Bank AS's current ROE % of 14.87% is near median its 10-year median of 13.87. Over the past 10 years, this metric has ranged from a low of 10.83 to a high of 17.49. The Banks industry median ROE % is 10.49. Skjern Bank AS's value of 14.87% is 41.8% above this industry median. Based on the distribution chart, Skjern Bank AS ranks #417 out of 1521 companies in the Banks industry, which is above the industry midpoint. Overall, Skjern Bank AS has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Skjern Bank AS's ROE % compare to competitors?
According to the Banks industry distribution chart, Skjern Bank AS ranks #417 out of 1521 companies for ROE %. This puts Skjern Bank AS in the upper half of its industry. The industry median ROE % is 10.49. Skjern Bank AS's value of 14.87% is 41.8% above this benchmark. Historically, Skjern Bank AS's own ROE % has ranged from 10.83 to 17.49 over the past decade. While the company's 10-year median is 13.87 vs. the industry median of 10.49, Skjern Bank AS 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.49, based on 1,521 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. Skjern Bank AS's current ROE % of 14.87% is 41.8% 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 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 Skjern Bank AS and its competitors. For the Banks industry, the median ROE % is 10.49 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Skjern Bank AS's current ROE % is 14.87%, which is near median its own 10-year median of 13.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Skjern Bank AS stock overvalued right now?
Based on GuruFocus' analysis, Skjern Bank AS (LTS:0G19) is currently considered Significantly Overvalued. The stock's GF Value™ is kr219.78, compared to a current price of kr393.25 — trading 78.9% above its estimated fair value. The current ROE % is 14.87%, which is near median its 10-year median of 13.87 and 41.8% above the Banks industry median of 10.49. Skjern Bank AS's overall GF Score™ is 60/100 with 7 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 Skjern Bank AS (LTS:0G19), the current ROE % is 14.87% 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 Skjern Bank AS (LTS:0G19) Overvalued in 2026?
Based on GuruFocus' analysis, Skjern Bank AS stock appears to be overvalued.
The current stock price of kr393.25 is trading 78.9% above its estimated GF Value™ of kr219.78.
GuruFocus considers Skjern Bank AS to be Significantly Overvalued.
Key valuation signals for LTS:0G19:
ROE %: 14.87% (near median its 10-year median of 13.87)
GF Value™: kr219.78 vs. price of kr393.25 (78.9% above fair value)
Industry Position: 41.8% above the Banks median (#417 of 1521)
No single metric tells the full story. See the LTS:0G19 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Skjern Bank AS provides various financial services to private customers, corporate and institutional customers, and public companies in Denmark. It offers its customers a full product range combined with professional consultancy services that include credit cards, savings accounts, financing, loans, pension funds, personal and travel insurance, real estate consulting, leasing and investment services, as well as related advisory services, among others.
60GF Score
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