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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.
Melhus Sparebank's 3-Year RORE % for the quarter that ended in Mar. 2026 was 0.44%.
The industry rank for Melhus Sparebank's 3-Year RORE % or its related term are showing as below:
LTS:0F84's 3-Year RORE % is ranked worse than 72.23% of 1469
companies
in the Banks industry
Industry Median: 9.92
vs LTS:0F84: 0.44
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, 3-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.
Melhus Sparebank 3-Year RORE % Related Terms
Melhus Sparebank 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Melhus Sparebank's 3-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.
For the Banks - Regional subindustry, Melhus Sparebank's 3-Year RORE %, along with its competitors' market caps and 3-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.
Melhus Sparebank 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Melhus Sparebank's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Melhus Sparebank's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Melhus Sparebank (LTS:0F84) has a 3-Year RORE % of 0.44 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Melhus Sparebank and its competitors. According to the industry distribution chart, Melhus Sparebank ranks #1061 out of 1469 companies in the Banks industry, placing it in the top 72.2%.
Is Melhus Sparebank's 3-Year RORE % too high?
Melhus Sparebank's current 3-Year RORE % is 0.44. The Banks industry median 3-Year RORE % is 9.92. Melhus Sparebank's value of 0.44 is 95.6% below this industry median. Based on the distribution chart, Melhus Sparebank ranks #1061 out of 1469 companies in the Banks industry, which is below the industry midpoint. Overall, Melhus Sparebank has a GF Score™ of 53/100, reflecting its overall financial health beyond just this single metric.
How does Melhus Sparebank's 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, Melhus Sparebank ranks #1061 out of 1469 companies for 3-Year RORE %. This places Melhus Sparebank in the lower half of its industry. The industry median 3-Year RORE % is 9.92. Melhus Sparebank's value of 0.44 is 95.6% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.92, based on 1,469 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Melhus Sparebank's current 3-Year RORE % of 0.44 is 95.6% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Melhus Sparebank and its competitors. For the Banks industry, the median 3-Year RORE % is 9.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Melhus Sparebank's current 3-Year RORE % is 0.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Melhus Sparebank stock overvalued right now?
Melhus Sparebank (LTS:0F84) has a current 3-Year RORE % of 0.44. The stock's GF Value™ is kr170.07, compared to a current price of kr188.94 — trading 11.1% above its estimated fair value. The current 3-Year RORE % is 0.44 and 95.6% below the Banks industry median of 9.92. Melhus Sparebank's overall GF Score™ is 53/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Melhus Sparebank (LTS:0F84), the current 3-Year RORE % is 0.44 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 Melhus Sparebank (LTS:0F84) Overvalued in 2026?
Based on GuruFocus' analysis, Melhus Sparebank stock appears to be overvalued.
The current stock price of kr188.94 is trading 11.1% above its estimated GF Value™ of kr170.07.
Key valuation signals for LTS:0F84:
3-Year RORE %: 0.44
GF Value™: kr170.07 vs. price of kr188.94 (11.1% above fair value)
Industry Position: 95.6% below the Banks median (#1061 of 1469)
No single metric tells the full story. See the LTS:0F84 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Melhus Sparebank is a savings bank that offers a range of financial services including loans, savings, advice, insurance and pensions to personal and corporate customers. The Bank also offers credit cards, debit cards, structured products, stock savings, mobile banking and online banking services.
53GF Score
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