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 Ringerike Hadeland's 3-Year RORE % for the quarter that ended in Mar. 2026 was 25.49%.
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 Ringerike Hadeland 3-Year RORE % Related Terms
SpareBank 1 Ringerike Hadeland 3-Year RORE % Historical Data
* 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, SpareBank 1 Ringerike Hadeland'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 Ringerike Hadeland 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, SpareBank 1 Ringerike Hadeland's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where SpareBank 1 Ringerike Hadeland'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.
SpareBank 1 Ringerike Hadeland (OSL:RING) has a 3-Year RORE % of 25.49 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 Ringerike Hadeland and its competitors. According to the industry distribution chart, SpareBank 1 Ringerike Hadeland ranks #328 out of 1473 companies in the Banks industry, placing it in the top 22.3%.
Is SpareBank 1 Ringerike Hadeland's 3-Year RORE % too high?
SpareBank 1 Ringerike Hadeland's current 3-Year RORE % is 25.49. The Banks industry median 3-Year RORE % is 9.87. SpareBank 1 Ringerike Hadeland's value of 25.49 is 158.3% above this industry median. Based on the distribution chart, SpareBank 1 Ringerike Hadeland ranks #328 out of 1473 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, SpareBank 1 Ringerike Hadeland has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SpareBank 1 Ringerike Hadeland's 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, SpareBank 1 Ringerike Hadeland ranks #328 out of 1473 companies for 3-Year RORE %. This places SpareBank 1 Ringerike Hadeland in the top 22% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 9.87. SpareBank 1 Ringerike Hadeland's value of 25.49 is 158.3% 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 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.87, based on 1,473 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. SpareBank 1 Ringerike Hadeland's current 3-Year RORE % of 25.49 is 158.3% 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 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 Ringerike Hadeland and its competitors. For the Banks industry, the median 3-Year RORE % is 9.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SpareBank 1 Ringerike Hadeland's current 3-Year RORE % is 25.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SpareBank 1 Ringerike Hadeland stock overvalued right now?
Based on GuruFocus' analysis, SpareBank 1 Ringerike Hadeland (OSL:RING) is currently considered Fairly Valued. The stock's GF Value™ is kr401.12, compared to a current price of kr431.00 — trading 7.4% above its estimated fair value. The current 3-Year RORE % is 25.49 and 158.3% above the Banks industry median of 9.87. SpareBank 1 Ringerike Hadeland's overall GF Score™ is 66/100 with 7 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 Ringerike Hadeland (OSL:RING), the current 3-Year RORE % is 25.49 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 Ringerike Hadeland (OSL:RING) Overvalued in 2026?
Based on GuruFocus' analysis, SpareBank 1 Ringerike Hadeland stock appears to be overvalued.
The current stock price of kr431.00 is trading 7.4% above its estimated GF Value™ of kr401.12.
GuruFocus considers SpareBank 1 Ringerike Hadeland to be Fairly Valued.
Key valuation signals for OSL:RING:
3-Year RORE %: 25.49
GF Value™: kr401.12 vs. price of kr431.00 (7.4% above fair value)
Industry Position: 158.3% above the Banks median (#328 of 1473)
No single metric tells the full story. See the OSL:RING stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SpareBank 1 Ringerike Hadeland Business Description
SpareBank 1 Ringerike Hadeland is a savings bank in Norway offering financing, placement, payment services, pensions, and life insurance. Its business is organized into two sections, personal and corporate market. The Bank serves less self-employed, agricultural, and business class customers as well. The Bank also provides credit cards, debit cards, structured products, stock savings, mobile banking and online banking services. The company has one segment, which is lending to finance commercial property, including lending that represents the joint debt of a condominium or housing association.
66GF Score
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