AURG Fundamental Analysis - AURSKOG SPAREBANK

Fundamental Rating

AURG gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 96 industry peers in the Banks industry. Both the profitability and financial health of AURG have multiple concerns. AURG is valied quite expensively at the moment, while it does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year AURG was profitable.

AURG had a negative operating cash flow in the past year.

In the past 5 years AURG has always been profitable.

AURG had negative operating cash flow in 4 of the past 5 years.

1.2 Ratios

AURG has a Return On Assets of 0.46%. This is in the lower half of the industry: AURG underperforms 70.83% of its industry peers.

AURG's Return On Equity of 3.87% is on the low side compared to the rest of the industry. AURG is outperformed by 73.96% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.46%
ROE	3.87%
ROIC	N/A

ROA(3y)0.48%

ROA(5y)0.43%

ROE(3y)3.9%

ROE(5y)3.54%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

AURG has a Profit Margin of 18.32%. This is in the lower half of the industry: AURG underperforms 61.46% of its industry peers.

AURG's Profit Margin has improved in the last couple of years.

AURG does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	18.32%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y6%

PM growth 5Y3.63%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

AURG does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for AURG remains at a similar level compared to 1 year ago.

The number of shares outstanding for AURG has been increased compared to 5 years ago.

Compared to 1 year ago, AURG has a worse debt to assets ratio.

2.2 Solvency

A Debt/Equity ratio of 2.36 is on the high side and indicates that AURG has dependencies on debt financing.

The Debt to Equity ratio of AURG (2.36) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	2.36
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.52%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The earnings per share for AURG have decreased by -0.38% in the last year.

Measured over the past years, AURG shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.80% on average per year.

Looking at the last year, AURG shows a small growth in Revenue. The Revenue has grown by 7.80% in the last year.

The Revenue has been growing by 13.09% on average over the past years. This is quite good.

EPS 1Y (TTM)-0.38%

EPS 3Y15.83%

EPS 5Y13.8%

EPS Q2Q%2.91%

Revenue 1Y (TTM)7.8%

Revenue growth 3Y18.19%

Revenue growth 5Y13.09%

Sales Q2Q%10.51%

3.2 Future

Based on estimates for the next years, AURG will show a small growth in Earnings Per Share. The EPS will grow by 3.56% on average per year.

Based on estimates for the next years, AURG will show a small growth in Revenue. The Revenue will grow by 5.08% on average per year.

EPS Next Y6.79%

EPS Next 2Y3.88%

EPS Next 3Y3.56%

EPS Next 5YN/A

Revenue Next Year1.7%

Revenue Next 2Y4.31%

Revenue Next 3Y5.08%

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.88 indicates a correct valuation of AURG.

Compared to the rest of the industry, the Price/Earnings ratio of AURG indicates a slightly more expensive valuation: AURG is more expensive than 77.08% of the companies listed in the same industry.

The average S&P500 Price/Earnings ratio is at 26.84. AURG is valued rather cheaply when compared to this.

With a Price/Forward Earnings ratio of 12.04, AURG is valued correctly.

72.92% of the companies in the same industry are cheaper than AURG, based on the Price/Forward Earnings ratio.

When comparing the Price/Forward Earnings ratio of AURG to the average of the S&P500 Index (22.48), we can say AURG is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	12.88
Fwd PE	12.04

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

PEG (NY)1.9

PEG (5Y)0.93

EPS Next 2Y3.88%

EPS Next 3Y3.56%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.28%, AURG is a good candidate for dividend investing.

AURG's Dividend Yield is a higher than the industry average which is at 5.01.

AURG's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.

		Industry Rank	Sector Rank
Dividend Yield	6.28%

5.2 History

On average, the dividend of AURG grows each year by 14.91%, which is quite nice.

Dividend Growth(5Y)14.91%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

AURG pays out 77.51% of its income as dividend. This is not a sustainable payout ratio.

AURG's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP77.51%

EPS Next 2Y3.88%

EPS Next 3Y3.56%

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AURSKOG SPAREBANK

OSL:AURG (9/3/2025, 7:00:00 PM)

238

-1 (-0.42%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)08-13 2025-08-13/dmh

Earnings (Next)11-12 2025-11-12

Inst Owners4.45%

Inst Owner ChangeN/A

Ins Owners16.25%

Ins Owner ChangeN/A

Market Cap1.10B

Analysts37.78

Price Target209.1 (-12.14%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.28%

Yearly Dividend15

Dividend Growth(5Y)14.91%

DP77.51%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-5.63%

Min EPS beat(2)-8.35%

Max EPS beat(2)-2.9%

EPS beat(4)0

Avg EPS beat(4)-5.03%

Min EPS beat(4)-8.35%

Max EPS beat(4)-2.9%

EPS beat(8)1

Avg EPS beat(8)-5.93%

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)1

Avg Revenue beat(2)1.24%

Min Revenue beat(2)-0.35%

Max Revenue beat(2)2.83%

Revenue beat(4)3

Avg Revenue beat(4)6.18%

Min Revenue beat(4)-0.35%

Max Revenue beat(4)11.99%

Revenue beat(8)5

Avg Revenue beat(8)4.82%

Revenue beat(12)9

Avg Revenue beat(12)7.63%

Revenue beat(16)13

Avg Revenue beat(16)8.88%

PT rev (1m)0%

PT rev (3m)-3.3%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-0.35%

EPS NY rev (1m)1.64%

EPS NY rev (3m)1.64%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-3.21%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-3.07%

Valuation

		Industry Rank	Sector Rank
PE	12.88
Fwd PE	12.04
P/S	2.25
P/FCF	N/A
P/OCF	N/A
P/B	0.48
P/tB	0.48
EV/EBITDA	N/A

EPS(TTM)18.48

EY7.76%

EPS(NY)19.77

Fwd EY8.31%

FCF(TTM)-28.94

FCFYN/A

OCF(TTM)-28.63

OCFYN/A

SpS105.68

BVpS500.1

TBVpS500.1

PEG (NY)1.9

PEG (5Y)0.93

Profitability

		Industry Rank	Sector Rank
ROA	0.46%
ROE	3.87%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	18.32%
GM	N/A
FCFM	N/A

ROA(3y)0.48%

ROA(5y)0.43%

ROE(3y)3.9%

ROE(5y)3.54%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y6%

PM growth 5Y3.63%

GM growth 3YN/A

GM growth 5YN/A

F-Score1

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	2.36
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	0.3%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score1

WACC5.52%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)0.12%

Cap/Sales(5y)0.38%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-0.38%

EPS 3Y15.83%

EPS 5Y13.8%

EPS Q2Q%2.91%

EPS Next Y6.79%

EPS Next 2Y3.88%

EPS Next 3Y3.56%

EPS Next 5YN/A

Revenue 1Y (TTM)7.8%

Revenue growth 3Y18.19%

Revenue growth 5Y13.09%

Sales Q2Q%10.51%

Revenue Next Year1.7%

Revenue Next 2Y4.31%

Revenue Next 3Y5.08%

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y49.65%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y50.13%

OCF growth 3YN/A

OCF growth 5YN/A

AURSKOG SPAREBANK (AURG.OL) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens