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AURSKOG SPAREBANK (AURG.OL) Stock Fundamental Analysis

OSL:AURG - Euronext Oslo - NO0006001601 - Common Stock - Currency: NOK

235.5  +0.5 (+0.21%)

Fundamental Rating

2

Overall AURG gets a fundamental rating of 2 out of 10. We evaluated AURG against 91 industry peers in the Banks industry. Both the profitability and financial health of AURG have multiple concerns. AURG is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -200M -400M

1.2 Ratios

With a Return On Assets value of 0.46%, AURG is not doing good in the industry: 68.54% of the companies in the same industry are doing better.
The Return On Equity of AURG (3.87%) is worse than 73.03% of its industry peers.
Industry RankSector 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
AURG.OL Yearly ROA, ROE, ROICAURG.OL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1 2 3 4

1.3 Margins

AURG has a Profit Margin (18.32%) which is comparable to the rest of the industry.
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 RankSector 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
AURG.OL Yearly Profit, Operating, Gross MarginsAURG.OL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

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0

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.
The debt/assets ratio for AURG is higher compared to a year ago.
AURG.OL Yearly Shares OutstandingAURG.OL Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.2 Solvency

AURG has a Debt/Equity ratio of 2.36. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 2.36, AURG perfoms like the industry average, outperforming 42.70% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.36
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.41%
AURG.OL Yearly LT Debt VS Equity VS FCFAURG.OL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 2015 2016 2017 10M 20M 30M 40M

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4

3. Growth

3.1 Past

AURG shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.99%.
AURG shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.80% yearly.
Looking at the last year, AURG shows a small growth in Revenue. The Revenue has grown by 6.16% 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)0.99%
EPS 3Y15.83%
EPS 5Y13.8%
EPS Q2Q%0%
Revenue 1Y (TTM)6.16%
Revenue growth 3Y18.19%
Revenue growth 5Y13.09%
Sales Q2Q%2.62%

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 3.96% on average per year.
AURG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.99% yearly.
EPS Next Y5.06%
EPS Next 2Y3.61%
EPS Next 3Y3.96%
EPS Next 5YN/A
Revenue Next Year4.92%
Revenue Next 2Y5.84%
Revenue Next 3Y5.99%
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 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5 10 15 20

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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.85, which indicates a correct valuation of AURG.
Based on the Price/Earnings ratio, AURG is valued a bit more expensive than 79.78% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.41, AURG is valued rather cheaply.
The Price/Forward Earnings ratio is 11.98, which indicates a very decent valuation of AURG.
Based on the Price/Forward Earnings ratio, AURG is valued a bit more expensive than the industry average as 69.66% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.19, AURG is valued rather cheaply.
Industry RankSector Rank
PE 12.85
Fwd PE 11.98
AURG.OL Price Earnings VS Forward Price EarningsAURG.OL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
AURG.OL Per share dataAURG.OL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 100 200 300 400 500

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates AURG does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.54
PEG (5Y)0.93
EPS Next 2Y3.61%
EPS Next 3Y3.96%

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6

5. Dividend

5.1 Amount

AURG has a Yearly Dividend Yield of 6.37%, which is a nice return.
AURG's Dividend Yield is a higher than the industry average which is at 5.19.
AURG's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.
Industry RankSector Rank
Dividend Yield 6.37%

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 77.51% of its income as dividend. This is not a sustainable payout ratio.
The dividend of AURG is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP77.51%
EPS Next 2Y3.61%
EPS Next 3Y3.96%
AURG.OL Yearly Income VS Free CF VS DividendAURG.OL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 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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AURSKOG SPAREBANK

OSL:AURG (7/10/2025, 7:00:00 PM)

235.5

+0.5 (+0.21%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)05-14 2025-05-14/amc
Earnings (Next)08-13 2025-08-13
Inst Owners4.45%
Inst Owner ChangeN/A
Ins Owners16.25%
Ins Owner ChangeN/A
Market Cap1.09B
Analysts37.78
Price Target209.1 (-11.21%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.37%
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)-8.89%
EPS NQ rev (1m)-0.35%
EPS NQ rev (3m)-0.35%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-3.21%
Revenue NQ rev (3m)-3.21%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.24%
Valuation
Industry RankSector Rank
PE 12.85
Fwd PE 11.98
P/S 2.23
P/FCF N/A
P/OCF N/A
P/B 0.47
P/tB 0.47
EV/EBITDA N/A
EPS(TTM)18.32
EY7.78%
EPS(NY)19.67
Fwd EY8.35%
FCF(TTM)-28.94
FCFYN/A
OCF(TTM)-28.63
OCFYN/A
SpS105.68
BVpS500.1
TBVpS500.1
PEG (NY)2.54
PEG (5Y)0.93
Profitability
Industry RankSector 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 RankSector 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
WACC5.41%
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)0.99%
EPS 3Y15.83%
EPS 5Y13.8%
EPS Q2Q%0%
EPS Next Y5.06%
EPS Next 2Y3.61%
EPS Next 3Y3.96%
EPS Next 5YN/A
Revenue 1Y (TTM)6.16%
Revenue growth 3Y18.19%
Revenue growth 5Y13.09%
Sales Q2Q%2.62%
Revenue Next Year4.92%
Revenue Next 2Y5.84%
Revenue Next 3Y5.99%
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