OSB GroupOSBGF 67 ROE % is 12.75% as of Dec. 2025, which is 26% below its 10-year median of 17.14. GuruFocus rates OSBGF with a GF Score™ of 67/100 and a GF Value™ of $6.44 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,523 Banks companies, OSB Group ranks better than 68.22% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. OSB Group's annualized net income for the quarter that ended in Dec. 2025 was $384.5 Mil. OSB Group's average Total Stockholders Equity over the quarter that ended in Dec. 2025 was $3,015.8 Mil. Therefore, OSB Group's annualized ROE % for the quarter that ended in Dec. 2025 was 12.75%.
The historical rank and industry rank for OSB Group's ROE % or its related term are showing as below:
OSBGF'
s ROE % Range Over the Past 10 Years
Min: 12.64 Med: 17.14 Max: 32.78
Current: 12.79
During the past 13 years, OSB Group's highest ROE % was 32.78%. The lowest was 12.64%. And the median was 17.14%.
OSBGF's ROE % is ranked better than 68.22% of 1523
companies
in the Banks industry
Industry Median: 10.22
vs OSBGF: 12.79
OSB Group (OTCPK:OSBGF) 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 two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) 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.
OSB Group ROE % Related Terms
OSB Group ROE % Historical Data
* Premium members only.
The historical data trend for OSB Group'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 Mortgage Finance subindustry, OSB Group'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.
OSB Group ROE % vs Banks Industry
For the Banks industry and Financial Services sector, OSB Group's ROE % distribution charts can be found below:
* The bar in red indicates where OSB Group'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 two times the semi-annual (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
OSB Group (OSBGF) has a ROE % of 12.75% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on OSB Group and its competitors. This is 26% below median its historical median of 17.14. Over the past decade, OSB Group's ROE % has ranged from 12.64 to 32.78. According to the industry distribution chart, OSB Group ranks #484 out of 1523 companies in the Banks industry, placing it in the top 31.8%.
Is OSB Group's ROE % too high?
OSB Group's current ROE % of 12.75% is 26% below median its 10-year median of 17.14. Over the past 10 years, this metric has ranged from a low of 12.64 to a high of 32.78. The Banks industry median ROE % is 10.22. OSB Group's value of 12.75% is 24.8% above this industry median. Based on the distribution chart, OSB Group ranks #484 out of 1523 companies in the Banks industry, which is above the industry midpoint. Overall, OSB Group has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does OSB Group's ROE % compare to RKT and FNMA?
According to the Banks industry distribution chart, OSB Group ranks #484 out of 1523 companies for ROE %. This puts OSB Group in the upper half of its industry. The industry median ROE % is 10.22. OSB Group's value of 12.75% is 24.8% above this benchmark. Historically, OSB Group's own ROE % has ranged from 12.64 to 32.78 over the past decade. While the company's 10-year median is 17.14 vs. the industry median of 10.22, OSB Group 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 10.22, based on 1,523 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. OSB Group's current ROE % of 12.75% is 24.8% 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 OSB Group and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OSB Group's current ROE % is 12.75%, which is 26% below median its own 10-year median of 17.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is OSB Group stock overvalued right now?
Based on GuruFocus' analysis, OSB Group (OSBGF) is currently considered Fairly Valued. The stock's GF Value™ is $6.44, compared to a current price of $6.65 — trading 3.3% above its estimated fair value. The current ROE % is 12.75%, which is 26% below median its 10-year median of 17.14 and 24.8% above the Banks industry median of 10.22. OSB Group's overall GF Score™ is 67/100 with 1 warning sign 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 OSB Group (OSBGF), the current ROE % is 12.75% as of Dec. 2025. 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 OSB Group (OSBGF) Overvalued in 2026?
Based on GuruFocus' analysis, OSB Group stock appears to be overvalued.
The current stock price of $6.65 is trading 3.3% above its estimated GF Value™ of $6.44.
GuruFocus considers OSB Group to be Fairly Valued.
Key valuation signals for OSBGF:
ROE %: 12.75% (26% below median its 10-year median of 17.14)
GF Value™: $6.44 vs. price of $6.65 (3.3% above fair value)
Industry Position: 24.8% above the Banks median (#484 of 1523)
No single metric tells the full story. See the OSBGF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
OSB Group PLC is a specialist mortgage lender, focused on selected sub-segments of the mortgage market. Its lending business is supported by various funding platforms, including retail savings deposits sourced under two brands: Kent Reliance and Charter Savings Bank (CSB), securitisation platforms, debt issuance, and Bank of England schemes. The Group operates under two segments: OneSavings Bank (OSB) and Charter Court Financial Services (CCFS). The majority of its revenue is generated from the OSB segment, which includes first charge residential mortgages for owner-occupiers, under shared ownership schemes, Buy-to-Let mortgages secured on residential property held for investment purposes by landlords, and commercial mortgages secured on commercial and semi-commercial properties.
67GF Score
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