AURSKOG SPAREBANK(OSL:AURG) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to AURG. AURG was compared to 97 industry peers in the Banks industry. AURG has a bad profitability rating. Also its financial health evaluation is rather negative. AURG is quite expensive at the moment. It does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year AURG was profitable.

In the past year AURG has reported a negative cash flow from operations.

AURG had positive earnings in each of the past 5 years.

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

1.2 Ratios

With a Return On Assets value of 0.47%, AURG is not doing good in the industry: 67.01% of the companies in the same industry are doing better.

AURG's Return On Equity of 3.90% is on the low side compared to the rest of the industry. AURG is outperformed by 74.23% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.47%
ROE	3.9%
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 18.78%. This is in the lower half of the industry: AURG underperforms 60.82% 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)	18.78%
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.

AURG has about the same amout of shares outstanding than it did 1 year ago.

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

The debt/assets ratio for AURG is higher compared to a year ago.

2.2 Solvency

AURG has a Debt/Equity ratio of 2.30. This is a high value indicating a heavy dependency on external financing.

With a Debt to Equity ratio value of 2.30, AURG is not doing good in the industry: 60.82% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	2.3
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.57%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 0.16% over the past 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.

Measured over the past years, AURG shows a quite strong growth in Revenue. The Revenue has been growing by 13.09% on average per year.

EPS 1Y (TTM)0.16%

EPS 3Y15.83%

EPS 5Y13.8%

EPS Q2Q%-9.09%

Revenue 1Y (TTM)7.8%

Revenue growth 3Y18.19%

Revenue growth 5Y13.09%

Sales Q2Q%10.12%

3.2 Future

AURG is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.96% yearly.

Based on estimates for the next years, AURG will show a small growth in Revenue. The Revenue will grow by 6.23% on average per year.

EPS Next Y5.06%

EPS Next 2Y3.61%

EPS Next 3Y3.96%

EPS Next 5YN/A

Revenue Next Year4.67%

Revenue Next 2Y5.22%

Revenue Next 3Y6.23%

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.

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

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.60, which indicates a correct valuation of AURG.

AURG's Price/Earnings ratio is rather expensive when compared to the industry. AURG is more expensive than 84.54% of the companies in the same industry.

AURG is valuated cheaply when we compare the Price/Earnings ratio to 28.22, which is the current average of the S&P500 Index.

AURG is valuated reasonably with a Price/Forward Earnings ratio of 12.00.

74.23% of the companies in the same industry are cheaper than AURG, based on the Price/Forward Earnings ratio.

AURG is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 20.86, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	12.6
Fwd PE	12

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)2.49

PEG (5Y)0.91

EPS Next 2Y3.61%

EPS Next 3Y3.96%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.49%, AURG is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 5.42, AURG pays a bit more dividend than its industry peers.

AURG's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.

		Industry Rank	Sector Rank
Dividend Yield	6.49%

5.2 History

The dividend of AURG is nicely growing with an annual growth rate of 14.91%!

Dividend Growth(5Y)14.91%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

AURG pays out 76.14% 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.

DP76.14%

EPS Next 2Y3.61%

EPS Next 3Y3.96%

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AURSKOG SPAREBANK

OSL:AURG (5/2/2025, 7:00:00 PM)

230.9

-5.2 (-2.2%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-13 2025-02-13/bmo

Earnings (Next)05-13 2025-05-13

Inst Owners4.45%

Inst Owner ChangeN/A

Ins Owners16.25%

Ins Owner ChangeN/A

Market Cap1.07B

Analysts37.78

Price Target229.5 (-0.61%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.49%

Yearly Dividend15

Dividend Growth(5Y)14.91%

DP76.14%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-6.25%

Min EPS beat(2)-8.35%

Max EPS beat(2)-4.14%

EPS beat(4)0

Avg EPS beat(4)-7.35%

Min EPS beat(4)-12.19%

Max EPS beat(4)-4.14%

EPS beat(8)1

Avg EPS beat(8)-5.81%

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)5.82%

Min Revenue beat(2)-0.35%

Max Revenue beat(2)11.99%

Revenue beat(4)2

Avg Revenue beat(4)5.25%

Min Revenue beat(4)-0.87%

Max Revenue beat(4)11.99%

Revenue beat(8)5

Avg Revenue beat(8)5.46%

Revenue beat(12)9

Avg Revenue beat(12)7.53%

Revenue beat(16)13

Avg Revenue beat(16)9.4%

PT rev (1m)0%

PT rev (3m)6.13%

EPS NQ rev (1m)0%

EPS NQ rev (3m)N/A

EPS NY rev (1m)0%

EPS NY rev (3m)3%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)2.1%

Valuation

		Industry Rank	Sector Rank
PE	12.6
Fwd PE	12
P/S	2.2
P/FCF	N/A
P/OCF	N/A
P/B	0.46
P/tB	0.46
EV/EBITDA	N/A

EPS(TTM)18.32

EY7.93%

EPS(NY)19.25

Fwd EY8.34%

FCF(TTM)-161.3

FCFYN/A

OCF(TTM)-161.15

OCFYN/A

SpS104.93

BVpS505.93

TBVpS505.93

PEG (NY)2.49

PEG (5Y)0.91

Profitability

		Industry Rank	Sector Rank
ROA	0.47%
ROE	3.9%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	18.78%
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 Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	2.3
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	0.15%
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

WACC5.57%

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)0.16%

EPS 3Y15.83%

EPS 5Y13.8%

EPS Q2Q%-9.09%

EPS Next Y5.06%

EPS Next 2Y3.61%

EPS Next 3Y3.96%

EPS Next 5YN/A

Revenue 1Y (TTM)7.8%

Revenue growth 3Y18.19%

Revenue growth 5Y13.09%

Sales Q2Q%10.12%

Revenue Next Year4.67%

Revenue Next 2Y5.22%

Revenue Next 3Y6.23%

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 1Y-320.21%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-321.19%

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

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