Fynske Bank ASLTS:0QIE 66 ROE % is 4.54% as of Mar. 2026, which is 39% below its 10-year median of 7.46. GuruFocus rates LTS:0QIE with a GF Score™ of 66/100 and a GF Value™ of kr176.97. The stock has 2 warning signs investors should review. Among 1,527 Banks companies, Fynske Bank AS ranks worse than 76.42% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Fynske Bank AS's annualized net income for the quarter that ended in Mar. 2026 was kr67.2 Mil. Fynske Bank AS's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was kr1,481.7 Mil. Therefore, Fynske Bank AS's annualized ROE % for the quarter that ended in Mar. 2026 was 4.54%.
The historical rank and industry rank for Fynske Bank AS's ROE % or its related term are showing as below:
LTS:0QIE'
s ROE % Range Over the Past 10 Years
Min: 2.52 Med: 7.46 Max: 12.21
Current: 6.2
During the past 13 years, Fynske Bank AS's highest ROE % was 12.21%. The lowest was 2.52%. And the median was 7.46%.
LTS:0QIE's ROE % is ranked worse than 76.42% of 1527
companies
in the Banks industry
Industry Median: 10.23
vs LTS:0QIE: 6.20
Fynske Bank AS (LTS:0QIE) 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:
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.
Fynske Bank AS ROE % Related Terms
Fynske Bank AS ROE % Historical Data
* Premium members only.
The historical data trend for Fynske 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, Fynske 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.
Fynske Bank AS ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Fynske Bank AS's ROE % distribution charts can be found below:
* The bar in red indicates where Fynske 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.
Fynske Bank AS (LTS:0QIE) has a ROE % of 4.54% 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 Fynske Bank AS and its competitors. This is 39% below median its historical median of 7.46. Over the past decade, Fynske Bank AS's ROE % has ranged from 2.52 to 12.21. According to the industry distribution chart, Fynske Bank AS ranks #1167 out of 1527 companies in the Banks industry, placing it in the top 76.4%.
Is Fynske Bank AS's ROE % too high?
Fynske Bank AS's current ROE % of 4.54% is 39% below median its 10-year median of 7.46. Over the past 10 years, this metric has ranged from a low of 2.52 to a high of 12.21. The Banks industry median ROE % is 10.23. Fynske Bank AS's value of 4.54% is 55.6% below this industry median. Based on the distribution chart, Fynske Bank AS ranks #1167 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Fynske Bank AS has a GF Score™ of 66/100, reflecting its overall financial health beyond just this single metric.
How does Fynske Bank AS's ROE % compare to competitors?
According to the Banks industry distribution chart, Fynske Bank AS ranks #1167 out of 1527 companies for ROE %. This places Fynske Bank AS in the lower half of its industry. The industry median ROE % is 10.23. Fynske Bank AS's value of 4.54% is 55.6% below this benchmark. Historically, Fynske Bank AS's own ROE % has ranged from 2.52 to 12.21 over the past decade. While the company's 10-year median is 7.46 vs. the industry median of 10.23, Fynske Bank AS 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. Fynske Bank AS's current ROE % of 4.54% is 55.6% 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 Fynske Bank AS 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. Fynske Bank AS's current ROE % is 4.54%, which is 39% below median its own 10-year median of 7.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fynske Bank AS stock overvalued right now?
Fynske Bank AS (LTS:0QIE) has a current ROE % of 4.54%. The stock's GF Value™ is kr176.97, compared to a current price of kr193.00 — trading 9.1% above its estimated fair value. The current ROE % is 4.54%, which is 39% below median its 10-year median of 7.46 and 55.6% below the Banks industry median of 10.23. Fynske Bank AS's overall GF Score™ is 66/100 with 2 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 Fynske Bank AS (LTS:0QIE), the current ROE % is 4.54% 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 Fynske Bank AS (LTS:0QIE) Overvalued in 2026?
Based on GuruFocus' analysis, Fynske Bank AS stock appears to be overvalued.
The current stock price of kr193.00 is trading 9.1% above its estimated GF Value™ of kr176.97.
Key valuation signals for LTS:0QIE:
ROE %: 4.54% (39% below median its 10-year median of 7.46)
GF Value™: kr176.97 vs. price of kr193.00 (9.1% above fair value)
Industry Position: 55.6% below the Banks median (#1167 of 1527)
No single metric tells the full story. See the LTS:0QIE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Fynske Bank AS is a well-consolidated local bank that provides financial products, advice, and related services to private customers as well as small and medium-sized businesses on Funen and in East Jutland, thereby creating development, sustainable growth, increased financial awareness, and a financial return for the local community, customers, employees, and owners. The Group is divided into the segments of leasing and traditional banking.
66GF Score
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