AURSKOG SPAREBANK (AURG.OL) Stock Fundamental Analysis

OSL:AURG • NO0006001601

257.05 NOK
-1 (-0.39%)
Last: Feb 11, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

Taking everything into account, AURG scores 3 out of 10 in our fundamental rating. AURG was compared to 114 industry peers in the Banks industry. AURG may be in some trouble as it scores bad on both profitability and health. AURG has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year AURG was profitable.
  • AURG had a positive operating cash flow in the past year.
  • Each year in the past 5 years AURG has been profitable.
  • In the past 5 years AURG reported 4 times negative operating cash flow.
AURG.OL Yearly Net Income VS EBIT VS OCF VS FCFAURG.OL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -200M -400M

1.2 Ratios

  • AURG's Return On Assets of 0.44% is on the low side compared to the rest of the industry. AURG is outperformed by 76.32% of its industry peers.
  • With a Return On Equity value of 3.62%, AURG is not doing good in the industry: 78.07% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.44%
ROE 3.62%
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
AURG.OL Yearly ROA, ROE, ROICAURG.OL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 1 2 3 4

1.3 Margins

  • With a Profit Margin value of 17.66%, AURG is not doing good in the industry: 78.95% of the companies in the same industry are doing better.
  • AURG's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for AURG so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 17.66%
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
AURG.OL Yearly Profit, Operating, Gross MarginsAURG.OL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

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.
  • AURG has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, AURG has a worse debt to assets ratio.
AURG.OL Yearly Shares OutstandingAURG.OL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M
AURG.OL Yearly Total Debt VS Total AssetsAURG.OL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.2 Solvency

  • AURG has a debt to FCF ratio of 43.63. This is a negative value and a sign of low solvency as AURG would need 43.63 years to pay back of all of its debts.
  • The Debt to FCF ratio of AURG (43.63) is comparable to the rest of the industry.
  • AURG has a Debt/Equity ratio of 2.22. This is a high value indicating a heavy dependency on external financing.
  • AURG's Debt to Equity ratio of 2.22 is in line compared to the rest of the industry. AURG outperforms 45.61% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.22
Debt/FCF 43.63
Altman-Z N/A
ROIC/WACCN/A
WACC6.03%
AURG.OL Yearly LT Debt VS Equity VS FCFAURG.OL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B 4B 5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
AURG.OL Yearly Current Assets VS Current LiabilitesAURG.OL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 0 0 0 0 0

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 0.16% over the past year.
  • AURG shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.80% yearly.
  • AURG shows a small growth in Revenue. In the last year, the Revenue has grown by 3.91%.
  • 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%-5.57%
Revenue 1Y (TTM)3.91%
Revenue growth 3Y18.19%
Revenue growth 5Y13.09%
Sales Q2Q%-6.6%

3.2 Future

  • AURG is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.41% yearly.
  • Based on estimates for the next years, AURG will show a small growth in Revenue. The Revenue will grow by 6.53% on average per year.
EPS Next Y16.75%
EPS Next 2Y5.66%
EPS Next 3Y6.41%
EPS Next 5YN/A
Revenue Next Year1.45%
Revenue Next 2Y5.63%
Revenue Next 3Y6.53%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
AURG.OL Yearly Revenue VS EstimatesAURG.OL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M 400M 500M
AURG.OL Yearly EPS VS EstimatesAURG.OL Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5 10 15 20

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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 14.03, which indicates a correct valuation of AURG.
  • AURG's Price/Earnings ratio is a bit more expensive when compared to the industry. AURG is more expensive than 76.32% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of AURG to the average of the S&P500 Index (28.18), we can say AURG is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 12.57, AURG is valued correctly.
  • 65.79% of the companies in the same industry are cheaper than AURG, based on the Price/Forward Earnings ratio.
  • AURG is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.01, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 14.03
Fwd PE 12.57
AURG.OL Price Earnings VS Forward Price EarningsAURG.OL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of AURG indicates a somewhat cheap valuation: AURG is cheaper than 71.05% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 9.5
EV/EBITDA N/A
AURG.OL Per share dataAURG.OL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 100 200 300 400 500

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.84
PEG (5Y)1.02
EPS Next 2Y5.66%
EPS Next 3Y6.41%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 5.81%, AURG is a good candidate for dividend investing.
  • AURG's Dividend Yield is a higher than the industry average which is at 4.12.
  • AURG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 5.81%

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 78.01% 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.
DP78.01%
EPS Next 2Y5.66%
EPS Next 3Y6.41%
AURG.OL Yearly Income VS Free CF VS DividendAURG.OL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -200M -400M
AURG.OL Dividend Payout.AURG.OL Dividend Payout, showing the Payout Ratio.AURG.OL Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

AURSKOG SPAREBANK

OSL:AURG (2/11/2026, 7:00:00 PM)

257.05

-1 (-0.39%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-12
Earnings (Next)02-11
Inst Owners5.36%
Inst Owner ChangeN/A
Ins Owners13.46%
Ins Owner ChangeN/A
Market Cap1.19B
Revenue(TTM)503.17M
Net Income(TTM)88.88M
Analysts37.78
Price Target209.1 (-18.65%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.81%
Yearly Dividend15
Dividend Growth(5Y)14.91%
DP78.01%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
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)11.24%
Min Revenue beat(2)-0.79%
Max Revenue beat(2)23.26%
Revenue beat(4)2
Avg Revenue beat(4)6.24%
Min Revenue beat(4)-0.79%
Max Revenue beat(4)23.26%
Revenue beat(8)4
Avg Revenue beat(8)5.44%
Revenue beat(12)8
Avg Revenue beat(12)6.76%
Revenue beat(16)12
Avg Revenue beat(16)8.06%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)1.89%
EPS NQ rev (3m)1.89%
EPS NY rev (1m)3.76%
EPS NY rev (3m)3.76%
Revenue NQ rev (1m)-2.67%
Revenue NQ rev (3m)-2.67%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 14.03
Fwd PE 12.57
P/S 2.36
P/FCF 9.5
P/OCF 9.78
P/B 0.48
P/tB 0.48
EV/EBITDA N/A
EPS(TTM)18.32
EY7.13%
EPS(NY)20.45
Fwd EY7.96%
FCF(TTM)27.05
FCFY10.52%
OCF(TTM)26.29
OCFY10.23%
SpS108.91
BVpS532.04
TBVpS532.04
PEG (NY)0.84
PEG (5Y)1.02
Graham Number468.3
Profitability
Industry RankSector Rank
ROA 0.44%
ROE 3.62%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 17.66%
GM N/A
FCFM 24.84%
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
ROICexgc growth 3YN/A
ROICexgc 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-Score4
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 2.22
Debt/FCF 43.63
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.7%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 140.62%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC6.03%
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%-5.57%
EPS Next Y16.75%
EPS Next 2Y5.66%
EPS Next 3Y6.41%
EPS Next 5YN/A
Revenue 1Y (TTM)3.91%
Revenue growth 3Y18.19%
Revenue growth 5Y13.09%
Sales Q2Q%-6.6%
Revenue Next Year1.45%
Revenue Next 2Y5.63%
Revenue Next 3Y6.53%
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 1Y164.98%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y163.46%
OCF growth 3YN/A
OCF growth 5YN/A

AURSKOG SPAREBANK / AURG.OL FAQ

What is the fundamental rating for AURG stock?

ChartMill assigns a fundamental rating of 3 / 10 to AURG.OL.


What is the valuation status of AURSKOG SPAREBANK (AURG.OL) stock?

ChartMill assigns a valuation rating of 4 / 10 to AURSKOG SPAREBANK (AURG.OL). This can be considered as Fairly Valued.


What is the profitability of AURG stock?

AURSKOG SPAREBANK (AURG.OL) has a profitability rating of 2 / 10.


What is the financial health of AURSKOG SPAREBANK (AURG.OL) stock?

The financial health rating of AURSKOG SPAREBANK (AURG.OL) is 1 / 10.


Can you provide the expected EPS growth for AURG stock?

The Earnings per Share (EPS) of AURSKOG SPAREBANK (AURG.OL) is expected to grow by 16.75% in the next year.