Voss Veksel- og Landmandsbank ASA (OSL:VVL) 10-Year RORE % : 13.55% (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

OSL:VVL Voss Veksel- og Landmandsbank ASA OSL:VVL
62 GF Score
Price kr478.00
GF Value kr313.54
Valuation Significantly Overvalued
! 7 Warning Signs
View Full Analysis

What is Voss Veksel- og Landmandsbank ASA 10-Year RORE %?

Voss Veksel- og Landmandsbank ASA OSL:VVL +1.70% 62 10-Year RORE % is 13.55 as of Mar. 2026. GuruFocus rates OSL:VVL with a GF Score™ of 62/100 and a GF Value™ of kr313.54 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,088 Banks companies, Voss Veksel- og Landmandsbank ASA ranks better than 63.6% on this metric.

Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments. Voss Veksel- og Landmandsbank ASA's 10-Year RORE % for the quarter that ended in Mar. 2026 was 13.55%.

The industry rank for Voss Veksel- og Landmandsbank ASA's 10-Year RORE % or its related term are showing as below:

OSL:VVL's 10-Year RORE % is ranked better than
63.6% of 1088 companies
in the Banks industry
Industry Median: 10.205 vs OSL:VVL: 13.55

Voss Veksel- og Landmandsbank ASA  (OSL:VVL) 10-Year RORE % Explanation

Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.

There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 10-year period is chosen.

Be Aware

Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.


Voss Veksel- og Landmandsbank ASA 10-Year RORE % Related Terms


Voss Veksel- og Landmandsbank ASA 10-Year RORE % Historical Data

* Premium members only.

The historical data trend for Voss Veksel- og Landmandsbank ASA's 10-Year RORE % 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.

Voss Veksel- og Landmandsbank ASA 10-Year RORE % Chart

Voss Veksel- og Landmandsbank ASA Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
10-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 8.22 10.69 11.45 21.27 14.53

Voss Veksel- og Landmandsbank ASA Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
10-Year RORE % 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 19.46 17.78 14.93 14.53 13.55

Voss Veksel- og Landmandsbank ASA 10-Year RORE % Competitor Comparison

For the Banks - Regional subindustry, Voss Veksel- og Landmandsbank ASA's 10-Year RORE %, along with its competitors' market caps and 10-Year RORE % 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.


Voss Veksel- og Landmandsbank ASA 10-Year RORE % vs Banks Industry

For the Banks industry and Financial Services sector, Voss Veksel- og Landmandsbank ASA's 10-Year RORE % distribution charts can be found below:

* The bar in red indicates where Voss Veksel- og Landmandsbank ASA's 10-Year RORE % falls into.


OSL:VVL
62GF Score
Voss Veksel- og Landmandsbank ASA OSL:VVL
10-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Voss Veksel- og Landmandsbank ASA 10-Year RORE % Calculation

Voss Veksel- og Landmandsbank ASA's 10-Year RORE % for the quarter that ended in Mar. 2026 is calculated as:

10-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 10-year -Cumulative Dividends per Share for 10-year )
=( 36.64-14.39 )/( 241.35-77.2 )
=22.25/164.15
=13.55 %

* 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 10-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 10-year before.

Frequently Asked Questions Learn more about 10-Year RORE % →
What does a 10-Year RORE % of 13.55 mean?
Voss Veksel- og Landmandsbank ASA (OSL:VVL) has a 10-Year RORE % of 13.55 as of Mar. 2026. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on Voss Veksel- og Landmandsbank ASA and its competitors. According to the industry distribution chart, Voss Veksel- og Landmandsbank ASA ranks #396 out of 1088 companies in the Banks industry, placing it in the top 36.4%.
Is Voss Veksel- og Landmandsbank ASA's 10-Year RORE % too high?
Voss Veksel- og Landmandsbank ASA's current 10-Year RORE % is 13.55. The Banks industry median 10-Year RORE % is 10.21. Voss Veksel- og Landmandsbank ASA's value of 13.55 is 32.8% above this industry median. Based on the distribution chart, Voss Veksel- og Landmandsbank ASA ranks #396 out of 1088 companies in the Banks industry, which is above the industry midpoint. Overall, Voss Veksel- og Landmandsbank ASA has a GF Score™ of 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Voss Veksel- og Landmandsbank ASA's 10-Year RORE % compare to competitors?
According to the Banks industry distribution chart, Voss Veksel- og Landmandsbank ASA ranks #396 out of 1088 companies for 10-Year RORE %. This puts Voss Veksel- og Landmandsbank ASA in the upper half of its industry. The industry median 10-Year RORE % is 10.21. Voss Veksel- og Landmandsbank ASA's value of 13.55 is 32.8% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 10-Year RORE % for a Banks company?
The median 10-Year RORE % among Banks companies is 10.21, based on 1,088 companies in the industry. Companies in the top quartile (top 25%) have a 10-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 10-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Voss Veksel- og Landmandsbank ASA's current 10-Year RORE % of 13.55 is 32.8% 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 10-Year RORE % mean?
A high 10-Year RORE % can signal that a stock is expensive relative to its fundamentals. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on Voss Veksel- og Landmandsbank ASA and its competitors. For the Banks industry, the median 10-Year RORE % is 10.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Voss Veksel- og Landmandsbank ASA's current 10-Year RORE % is 13.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Voss Veksel- og Landmandsbank ASA stock overvalued right now?
Based on GuruFocus' analysis, Voss Veksel- og Landmandsbank ASA (OSL:VVL) is currently considered Significantly Overvalued. The stock's GF Value™ is kr313.54, compared to a current price of kr478.00 — trading 52.5% above its estimated fair value. The current 10-Year RORE % is 13.55 and 32.8% above the Banks industry median of 10.21. Voss Veksel- og Landmandsbank ASA's overall GF Score™ is 62/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 10-Year RORE % calculated?
10-Year RORE % is calculated from a company's financial statements. For Voss Veksel- og Landmandsbank ASA (OSL:VVL), the current 10-Year RORE % is 13.55 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 Voss Veksel- og Landmandsbank ASA (OSL:VVL) Overvalued in 2026?

Based on GuruFocus' analysis, Voss Veksel- og Landmandsbank ASA stock appears to be overvalued. The current stock price of kr478.00 is trading 52.5% above its estimated GF Value™ of kr313.54. GuruFocus considers Voss Veksel- og Landmandsbank ASA to be Significantly Overvalued.

Key valuation signals for OSL:VVL:

  • 10-Year RORE %: 13.55
  • GF Value™: kr313.54 vs. price of kr478.00 (52.5% above fair value)
  • GF Score™: 62/100 with 7 warning signs
  • Industry Position: 32.8% above the Banks median (#396 of 1088)

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


Voss Veksel- og Landmandsbank ASA Business Description

Other Exchanges UQ6:Germany
Address Vangsgata 24, Voss, NOR, 5700
Voss Veksel- og Landmandsbank ASA operates in the banking sector. It provides general banking services like deposits, loans, insurance services, mobile banking, online banking, among others.
62GF Score

Get the complete analysis for OSL:VVL

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

kr478.00
Price
kr313.54
GF Value