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HAUGESUND SPAREBANK (HGSB.OL) Stock Fundamental Analysis

Europe - OSL:HGSB - NO0010764053 - Common Stock

162 NOK
-0.68 (-0.42%)
Last: 10/31/2025, 7:00:00 PM
Fundamental Rating

1

Taking everything into account, HGSB scores 1 out of 10 in our fundamental rating. HGSB was compared to 95 industry peers in the Banks industry. HGSB may be in some trouble as it scores bad on both profitability and health. HGSB is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

In the past year HGSB was profitable.
HGSB.OL Yearly Net Income VS EBIT VS OCF VS FCFHGSB.OL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2021 2022 2023 2024 0 -200M -400M -600M -800M

1.2 Ratios

HGSB has a worse Return On Assets (0.17%) than 89.69% of its industry peers.
HGSB has a worse Return On Equity (1.35%) than 89.69% of its industry peers.
Industry RankSector Rank
ROA 0.17%
ROE 1.35%
ROIC N/A
ROA(3y)0.57%
ROA(5y)N/A
ROE(3y)4.37%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
HGSB.OL Yearly ROA, ROE, ROICHGSB.OL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2022 2023 2024 2 4 6

1.3 Margins

HGSB has a worse Profit Margin (5.31%) than 89.69% of its industry peers.
HGSB 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) 5.31%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
HGSB.OL Yearly Profit, Operating, Gross MarginsHGSB.OL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2022 2023 2024 10 20 30

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0

2. Health

2.1 Basic Checks

HGSB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for HGSB remains at a similar level compared to 1 year ago.
The debt/assets ratio for HGSB is higher compared to a year ago.
HGSB.OL Yearly Shares OutstandingHGSB.OL Yearly Shares OutstandingYearly Shares Outstanding 2022 2023 2024 500K 1M 1.5M 2M
HGSB.OL Yearly Total Debt VS Total AssetsHGSB.OL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2022 2023 2024 5B 10B 15B

2.2 Solvency

A Debt/Equity ratio of 2.12 is on the high side and indicates that HGSB has dependencies on debt financing.
HGSB has a Debt to Equity ratio (2.12) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 2.12
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.61%
HGSB.OL Yearly LT Debt VS Equity VS FCFHGSB.OL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2021 2022 2023 2024 0 1B 2B 3B 4B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
HGSB.OL Yearly Current Assets VS Current LiabilitesHGSB.OL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2022 2023 2024 10M 20M 30M 40M 50M

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3

3. Growth

3.1 Past

The earnings per share for HGSB have decreased strongly by -83.05% in the last year.
HGSB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.34%.
EPS 1Y (TTM)-83.05%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
Revenue 1Y (TTM)8.34%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A

3.2 Future

Based on estimates for the next years, HGSB will show a small growth in Earnings Per Share. The EPS will grow by 1.20% on average per year.
HGSB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 14.50% yearly.
EPS Next Y-15.41%
EPS Next 2Y-0.66%
EPS Next 3Y1.2%
EPS Next 5YN/A
Revenue Next Year18.18%
Revenue Next 2Y18.03%
Revenue Next 3Y14.5%
Revenue Next 5YN/A

3.3 Evolution

HGSB.OL Yearly Revenue VS EstimatesHGSB.OL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2022 2023 2024 2025 2026 2027 200M 400M 600M
HGSB.OL Yearly EPS VS EstimatesHGSB.OL Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 2026 2027 2 4 6 8 10

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2

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 12.66, the valuation of HGSB can be described as correct.
73.20% of the companies in the same industry are cheaper than HGSB, based on the Price/Earnings ratio.
HGSB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.11.
With a Price/Forward Earnings ratio of 15.03, HGSB is valued correctly.
Compared to the rest of the industry, the Price/Forward Earnings ratio of HGSB indicates a slightly more expensive valuation: HGSB is more expensive than 79.38% of the companies listed in the same industry.
HGSB is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.55, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.66
Fwd PE 15.03
HGSB.OL Price Earnings VS Forward Price EarningsHGSB.OL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

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

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-0.66%
EPS Next 3Y1.2%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.68%, HGSB is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.84, HGSB pays a better dividend. On top of this HGSB pays more dividend than 88.66% of the companies listed in the same industry.
HGSB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.37.
Industry RankSector Rank
Dividend Yield 7.68%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

64.05% of the earnings are spent on dividend by HGSB. This is not a sustainable payout ratio.
DP64.05%
EPS Next 2Y-0.66%
EPS Next 3Y1.2%
HGSB.OL Yearly Income VS Free CF VS DividendHGSB.OL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2021 2022 2023 2024 0 -200M -400M -600M -800M
HGSB.OL Dividend Payout.HGSB.OL Dividend Payout, showing the Payout Ratio.HGSB.OL Dividend Payout.PayoutRetained Earnings

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HAUGESUND SPAREBANK

OSL:HGSB (10/31/2025, 7:00:00 PM)

162

-0.68 (-0.42%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-14 2025-02-14/bmo
Earnings (Next)N/A N/A
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners2.19%
Ins Owner ChangeN/A
Market Cap850.50M
Revenue(TTM)542.21M
Net Income(TTM)28.81M
Analysts37.78
Price Target125.46 (-22.56%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.68%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP64.05%
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)2.32%
Min Revenue beat(2)-1.07%
Max Revenue beat(2)5.71%
Revenue beat(4)3
Avg Revenue beat(4)5.61%
Min Revenue beat(4)-1.07%
Max Revenue beat(4)11.19%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)1%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 12.66
Fwd PE 15.03
P/S 1.57
P/FCF N/A
P/OCF N/A
P/B 0.4
P/tB 0.4
EV/EBITDA N/A
EPS(TTM)12.8
EY7.9%
EPS(NY)10.78
Fwd EY6.66%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS103.28
BVpS407.24
TBVpS407.12
PEG (NY)N/A
PEG (5Y)N/A
Graham Number342.47
Profitability
Industry RankSector Rank
ROA 0.17%
ROE 1.35%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 5.31%
GM N/A
FCFM N/A
ROA(3y)0.57%
ROA(5y)N/A
ROE(3y)4.37%
ROE(5y)N/A
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 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 2.12
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
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-ScoreN/A
WACC5.61%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-83.05%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
EPS Next Y-15.41%
EPS Next 2Y-0.66%
EPS Next 3Y1.2%
EPS Next 5YN/A
Revenue 1Y (TTM)8.34%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year18.18%
Revenue Next 2Y18.03%
Revenue Next 3Y14.5%
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 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A

HAUGESUND SPAREBANK / HGSB.OL FAQ

What is the fundamental rating for HGSB stock?

ChartMill assigns a fundamental rating of 1 / 10 to HGSB.OL.


Can you provide the valuation status for HAUGESUND SPAREBANK?

ChartMill assigns a valuation rating of 2 / 10 to HAUGESUND SPAREBANK (HGSB.OL). This can be considered as Overvalued.


Can you provide the profitability details for HAUGESUND SPAREBANK?

HAUGESUND SPAREBANK (HGSB.OL) has a profitability rating of 0 / 10.


What is the expected EPS growth for HAUGESUND SPAREBANK (HGSB.OL) stock?

The Earnings per Share (EPS) of HAUGESUND SPAREBANK (HGSB.OL) is expected to decline by -15.41% in the next year.


Is the dividend of HAUGESUND SPAREBANK sustainable?

The dividend rating of HAUGESUND SPAREBANK (HGSB.OL) is 6 / 10 and the dividend payout ratio is 64.05%.