Rogaland Sparebank (OSL:ROGS) 3-Year RORE % : 10.96% (As of Mar. 2026)


OSL:ROGS Rogaland Sparebank OSL:ROGS
60 GF Score
Price kr145.00
GF Value kr125.64
Valuation Modestly Overvalued
! 9 Warning Signs
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What is Rogaland Sparebank 3-Year RORE %?

Rogaland Sparebank OSL:ROGS -0.68% 60 3-Year RORE % is 10.96 as of Mar. 2026. GuruFocus rates OSL:ROGS with a GF Score™ of 60/100 and a GF Value™ of kr125.64 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 1,475 Banks companies, Rogaland Sparebank ranks better than 52.34% 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. Rogaland Sparebank's 3-Year RORE % for the quarter that ended in Mar. 2026 was 10.96%.

The industry rank for Rogaland Sparebank's 3-Year RORE % or its related term are showing as below:

OSL:ROGS's 3-Year RORE % is ranked better than
52.34% of 1475 companies
in the Banks industry
Industry Median: 9.92 vs OSL:ROGS: 10.96

Rogaland Sparebank  (OSL:ROGS) 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.


Rogaland Sparebank 3-Year RORE % Related Terms


Rogaland Sparebank 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for Rogaland 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.

Rogaland Sparebank 3-Year RORE % Chart

Rogaland Sparebank 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 27.48 17.42 37.23 78.80 21.05

Rogaland Sparebank 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 166.61 146.04 91.06 21.05 10.96

Rogaland Sparebank 3-Year RORE % Competitor Comparison

For the Banks - Regional subindustry, Rogaland 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.


Rogaland Sparebank 3-Year RORE % vs Banks Industry

For the Banks industry and Financial Services sector, Rogaland Sparebank's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where Rogaland Sparebank's 3-Year RORE % falls into.


OSL:ROGS
60GF Score
Rogaland Sparebank OSL:ROGS
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Rogaland Sparebank 3-Year RORE % Calculation

Rogaland Sparebank'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 )
=( 11.5-10.7 )/( 36-28.7 )
=0.8/7.3
=10.96 %

* 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 10.96 mean?
Rogaland Sparebank (OSL:ROGS) has a 3-Year RORE % of 10.96 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 Rogaland Sparebank and its competitors. According to the industry distribution chart, Rogaland Sparebank ranks #703 out of 1475 companies in the Banks industry, placing it in the top 47.7%.
Is Rogaland Sparebank's 3-Year RORE % too high?
Rogaland Sparebank's current 3-Year RORE % is 10.96. The Banks industry median 3-Year RORE % is 9.92. Rogaland Sparebank's value of 10.96 is 10.5% above this industry median. Based on the distribution chart, Rogaland Sparebank ranks #703 out of 1475 companies in the Banks industry, which is above the industry midpoint. Overall, Rogaland Sparebank has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Rogaland Sparebank's 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, Rogaland Sparebank ranks #703 out of 1475 companies for 3-Year RORE %. This puts Rogaland Sparebank in the upper half of its industry. The industry median 3-Year RORE % is 9.92. Rogaland Sparebank's value of 10.96 is 10.5% 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 9.92, based on 1,475 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. Rogaland Sparebank's current 3-Year RORE % of 10.96 is 10.5% 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 Rogaland 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. Rogaland Sparebank's current 3-Year RORE % is 10.96. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Rogaland Sparebank stock overvalued right now?
Based on GuruFocus' analysis, Rogaland Sparebank (OSL:ROGS) is currently considered Modestly Overvalued. The stock's GF Value™ is kr125.64, compared to a current price of kr145.00 — trading 15.4% above its estimated fair value. The current 3-Year RORE % is 10.96 and 10.5% above the Banks industry median of 9.92. Rogaland Sparebank's overall GF Score™ is 60/100 with 9 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 Rogaland Sparebank (OSL:ROGS), the current 3-Year RORE % is 10.96 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 Rogaland Sparebank (OSL:ROGS) Overvalued in 2026?

Based on GuruFocus' analysis, Rogaland Sparebank stock appears to be overvalued. The current stock price of kr145.00 is trading 15.4% above its estimated GF Value™ of kr125.64. GuruFocus considers Rogaland Sparebank to be Modestly Overvalued.

Key valuation signals for OSL:ROGS:

  • 3-Year RORE %: 10.96
  • GF Value™: kr125.64 vs. price of kr145.00 (15.4% above fair value)
  • GF Score™: 60/100 with 9 warning signs
  • Industry Position: 10.5% above the Banks median (#703 of 1475)

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


Rogaland Sparebank Business Description

Other Exchanges 0FWN:UKP7A:Germany
Address Postboks 1133, Sandnes, NOR, 4391
Rogaland Sparebank is an independent savings bank. The company offers a broad range of banking and investment products to retail and corporate customers. The services provided by the company include daily banking, Insurance, loans, Savings, pensions, and others.
60GF Score

Get the complete analysis for OSL:ROGS

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

kr145.00
Price
kr125.64
GF Value