AURG Fundamental Analysis - AURSKOG SPAREBANK

Fundamental Rating

Overall AURG gets a fundamental rating of 2 out of 10. We evaluated AURG against 97 industry peers in the Banks industry. AURG has a bad profitability rating. Also its financial health evaluation is rather negative. 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

AURG had positive earnings in the past year.

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

In the past 5 years AURG has always been profitable.

In the past 5 years AURG reported 4 times negative operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.46%, AURG is doing worse than 72.16% of the companies in the same industry.

The Return On Equity of AURG (3.87%) is worse than 74.23% 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

Looking at the Profit Margin, with a value of 18.32%, AURG is doing worse than 62.89% of the companies in the same 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 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.

Compared to 1 year ago, AURG has about the same amount of shares outstanding.

Compared to 5 years ago, AURG has more shares outstanding

AURG has a worse debt/assets ratio than last year.

2.2 Solvency

AURG has a Debt/Equity ratio of 2.36. This is a high value indicating a heavy dependency on external financing.

AURG's Debt to Equity ratio of 2.36 is in line compared to the rest of the industry. AURG outperforms 46.39% of its industry peers.

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

ROIC/WACCN/A

WACC5.53%

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

AURG shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -0.38%.

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 7.80%.

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)-0.38%

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

The Earnings Per Share is expected to grow by 6.18% on average over the next years.

The Revenue is expected to grow by 5.08% on average over the next years.

EPS Next Y12.52%

EPS Next 2Y6.55%

EPS Next 3Y6.18%

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.

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

With a Price/Earnings ratio of 12.99, AURG is valued correctly.

Compared to the rest of the industry, the Price/Earnings ratio of AURG indicates a slightly more expensive valuation: AURG is more expensive than 77.32% of the companies listed in the same industry.

AURG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.67.

With a Price/Forward Earnings ratio of 11.54, the valuation of AURG can be described as very reasonable.

Based on the Price/Forward Earnings ratio, AURG is valued a bit more expensive than 61.86% of the companies in the same industry.

When comparing the Price/Forward Earnings ratio of AURG to the average of the S&P500 Index (23.13), we can say AURG is valued rather cheaply.

		Industry Rank	Sector Rank
PE	12.99
Fwd PE	11.54

4.2 Price Multiples

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

4.3 Compensation for Growth

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

PEG (NY)1.04

PEG (5Y)0.94

EPS Next 2Y6.55%

EPS Next 3Y6.18%

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5. Dividend

5.1 Amount

AURG has a Yearly Dividend Yield of 6.22%, which is a nice return.

Compared to an average industry Dividend Yield of 5.02, AURG pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 2.41, AURG pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	6.22%

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

77.51% of the earnings are spent on dividend by AURG. 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 2Y6.55%

EPS Next 3Y6.18%

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AURSKOG SPAREBANK

OSL:AURG (9/26/2025, 7:00:00 PM)

240.05

-0.95 (-0.39%)

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 Owners5.36%

Inst Owner ChangeN/A

Ins Owners13.36%

Ins Owner ChangeN/A

Market Cap1.11B

Analysts37.78

Price Target209.1 (-12.89%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.22%

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)0%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-0.35%

EPS NY rev (1m)5.37%

EPS NY rev (3m)7.1%

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	12.99
Fwd PE	11.54
P/S	2.27
P/FCF	N/A
P/OCF	N/A
P/B	0.48
P/tB	0.48
EV/EBITDA	N/A

EPS(TTM)18.48

EY7.7%

EPS(NY)20.8

Fwd EY8.66%

FCF(TTM)-28.94

FCFYN/A

OCF(TTM)-28.63

OCFYN/A

SpS105.68

BVpS500.1

TBVpS500.1

PEG (NY)1.04

PEG (5Y)0.94

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

WACC5.53%

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 Y12.52%

EPS Next 2Y6.55%

EPS Next 3Y6.18%

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