SpareBank 1 Sor Norge ASA (LTS:0Q57) 3-Year RORE % : -3.19% (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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LTS:0Q57 SpareBank 1 Sor Norge ASA LTS:0Q57
75 GF Score
Price kr210.25
GF Value kr161.57
Valuation Modestly Overvalued
! 8 Warning Signs
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What is SpareBank 1 Sor Norge ASA 3-Year RORE %?

SpareBank 1 Sor Norge ASA LTS:0Q57 +1.57% 75 3-Year RORE % is -3.19 as of Mar. 2026. GuruFocus rates LTS:0Q57 with a GF Score™ of 75/100 and a GF Value™ of kr161.57 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,471 Banks companies, SpareBank 1 Sor Norge ASA ranks worse than 77.16% 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. SpareBank 1 Sor Norge ASA's 3-Year RORE % for the quarter that ended in Mar. 2026 was -3.19%.

The industry rank for SpareBank 1 Sor Norge ASA's 3-Year RORE % or its related term are showing as below:

LTS:0Q57's 3-Year RORE % is ranked worse than
77.16% of 1471 companies
in the Banks industry
Industry Median: 9.93 vs LTS:0Q57: -3.19

SpareBank 1 Sor Norge ASA  (LTS:0Q57) 3-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, 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.


SpareBank 1 Sor Norge ASA 3-Year RORE % Related Terms


SpareBank 1 Sor Norge ASA 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for SpareBank 1 Sor Norge ASA'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.

SpareBank 1 Sor Norge ASA 3-Year RORE % Chart

SpareBank 1 Sor Norge ASA Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
3-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -0.36 43.10 22.77 16.30 1.19

SpareBank 1 Sor Norge ASA Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
3-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 14.22 11.74 5.13 1.19 -3.19

SpareBank 1 Sor Norge ASA 3-Year RORE % Competitor Comparison

For the Banks - Regional subindustry, SpareBank 1 Sor Norge ASA'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.


SpareBank 1 Sor Norge ASA 3-Year RORE % vs Banks Industry

For the Banks industry and Financial Services sector, SpareBank 1 Sor Norge ASA's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where SpareBank 1 Sor Norge ASA's 3-Year RORE % falls into.


LTS:0Q57
75GF Score
SpareBank 1 Sor Norge ASA LTS:0Q57
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
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SpareBank 1 Sor Norge ASA 3-Year RORE % Calculation

SpareBank 1 Sor Norge ASA's 3-Year RORE % for the quarter that ended in Mar. 2026 is calculated as:

3-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 3-year -Cumulative Dividends per Share for 3-year )
=( 16.67-17.58 )/( 51.49-23 )
=-0.91/28.49
=-3.19 %

* 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.

Frequently Asked Questions Learn more about 3-Year RORE % →
What does a 3-Year RORE % of -3.19 mean?
SpareBank 1 Sor Norge ASA (LTS:0Q57) has a 3-Year RORE % of -3.19 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 SpareBank 1 Sor Norge ASA and its competitors. According to the industry distribution chart, SpareBank 1 Sor Norge ASA ranks #1135 out of 1471 companies in the Banks industry, placing it in the top 77.2%.
Is SpareBank 1 Sor Norge ASA's 3-Year RORE % too high?
SpareBank 1 Sor Norge ASA's current 3-Year RORE % is -3.19. Based on the distribution chart, SpareBank 1 Sor Norge ASA ranks #1135 out of 1471 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, SpareBank 1 Sor Norge ASA has a GF Score™ of 75/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SpareBank 1 Sor Norge ASA's 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, SpareBank 1 Sor Norge ASA ranks #1135 out of 1471 companies for 3-Year RORE %. This places SpareBank 1 Sor Norge ASA in the lower half of its industry. The industry median 3-Year RORE % is 9.93. 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 9.93, based on 1,471 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. 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 SpareBank 1 Sor Norge ASA and its competitors. For the Banks industry, the median 3-Year RORE % is 9.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SpareBank 1 Sor Norge ASA's current 3-Year RORE % is -3.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SpareBank 1 Sor Norge ASA stock overvalued right now?
Based on GuruFocus' analysis, SpareBank 1 Sor Norge ASA (LTS:0Q57) is currently considered Modestly Overvalued. The stock's GF Value™ is kr161.57, compared to a current price of kr210.25 — trading 30.1% above its estimated fair value. The current 3-Year RORE % is -3.19. SpareBank 1 Sor Norge ASA's overall GF Score™ is 75/100 with 8 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 SpareBank 1 Sor Norge ASA (LTS:0Q57), the current 3-Year RORE % is -3.19 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 SpareBank 1 Sor Norge ASA (LTS:0Q57) Overvalued in 2026?

Based on GuruFocus' analysis, SpareBank 1 Sor Norge ASA stock appears to be overvalued. The current stock price of kr210.25 is trading 30.1% above its estimated GF Value™ of kr161.57. GuruFocus considers SpareBank 1 Sor Norge ASA to be Modestly Overvalued.

Key valuation signals for LTS:0Q57:

  • 3-Year RORE %: -3.19
  • GF Value™: kr161.57 vs. price of kr210.25 (30.1% above fair value)
  • GF Score™: 75/100 with 8 warning signs

No single metric tells the full story. See the LTS:0Q57 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


SpareBank 1 Sor Norge ASA Business Description

Address Christen Tranes Gate 35, Stavanger, NOR, 4007
SpareBank 1 Sor Norge ASA is a regional bank engaged in selling and procuring a wide range of financial products and services, including investment services, leasing, estate agency, and accounting services. The company's reportable segments are Retail market, which generates maximum revenue, Corporate market, SME and agriculture, and Other.
75GF Score

Get the complete analysis for LTS:0Q57

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

kr210.25
Price
kr161.57
GF Value