HAUGESUND SPAREBANK (HGSB.OL) Fundamental Analysis & Valuation

OSL:HGSB • NO0010764053

Current stock price

167.88 NOK
+0.88 (+0.53%)
Last:

This HGSB.OL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. HGSB.OL Profitability Analysis

1.1 Basic Checks

  • HGSB had positive earnings in the past year.
  • HGSB had positive earnings in 4 of the past 5 years.
  • HGSB had negative operating cash flow in 4 of the past 5 years.
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 2025 0 -200M -400M -600M -800M

1.2 Ratios

  • HGSB's Return On Assets of 0.18% is on the low side compared to the rest of the industry. HGSB is outperformed by 94.69% of its industry peers.
  • With a Return On Equity value of 1.30%, HGSB is not doing good in the industry: 94.69% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.18%
ROE 1.3%
ROIC N/A
ROA(3y)0.42%
ROA(5y)N/A
ROE(3y)3.19%
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 2025 2 4 6

1.3 Margins

  • With a Profit Margin value of 7.36%, HGSB is not doing good in the industry: 94.69% of the companies in the same industry are doing better.
  • HGSB's Profit Margin has declined in the last couple of years.
  • The Operating Margin and Gross Margin are not available for HGSB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 7.36%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-30.04%
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 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. HGSB.OL Health Analysis

2.1 Basic Checks

  • The number of shares outstanding for HGSB has been increased compared to 1 year ago.
  • The debt/assets ratio for HGSB has been reduced compared to a year ago.
HGSB.OL Yearly Shares OutstandingHGSB.OL Yearly Shares OutstandingYearly Shares Outstanding 2022 2023 2024 2025 1M 2M 3M 4M 5M
HGSB.OL Yearly Total Debt VS Total AssetsHGSB.OL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2022 2023 2024 2025 5B 10B 15B 20B

2.2 Solvency

  • HGSB has a Debt/Equity ratio of 1.71. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of HGSB (1.71) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 1.71
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
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 2025 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 2025 20M 40M 60M

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

5

3. HGSB.OL Growth Analysis

3.1 Past

  • The earnings per share for HGSB have decreased by -5.29% in the last year.
  • The earnings per share for HGSB have been decreasing by -39.68% on average. This is quite bad
  • The Revenue has grown by 12.87% in the past year. This is quite good.
  • HGSB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 14.39% yearly.
EPS 1Y (TTM)-5.29%
EPS 3Y-39.68%
EPS 5YN/A
EPS Q2Q%56.39%
Revenue 1Y (TTM)12.87%
Revenue growth 3Y14.39%
Revenue growth 5YN/A
Sales Q2Q%27.86%

3.2 Future

  • Based on estimates for the next years, HGSB will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.68% on average per year.
  • HGSB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.32% yearly.
EPS Next Y16.98%
EPS Next 2Y11.68%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year23.42%
Revenue Next 2Y16.32%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
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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Find the best growth stocksShow best growing peers

2

4. HGSB.OL Valuation Analysis

4.1 Price/Earnings Ratio

  • HGSB is valuated correctly with a Price/Earnings ratio of 15.36.
  • Compared to the rest of the industry, the Price/Earnings ratio of HGSB indicates a rather expensive valuation: HGSB more expensive than 91.15% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.79. HGSB is valued slightly cheaper when compared to this.
  • Based on the Price/Forward Earnings ratio of 13.42, the valuation of HGSB can be described as correct.
  • 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 76.99% of the companies listed in the same industry.
  • HGSB is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.80, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 15.36
Fwd PE 13.42
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 100 200 300 400 500

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)0.9
PEG (5Y)N/A
EPS Next 2Y11.68%
EPS Next 3YN/A

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

5

5. HGSB.OL Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 6.27%, HGSB is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.66, HGSB pays a bit more dividend than its industry peers.
  • HGSB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 6.27%

5.2 History

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

5.3 Sustainability

DPN/A
EPS Next 2Y11.68%
EPS Next 3YN/A
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 2025 0 -200M -400M -600M -800M

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Find the best dividend stocksShow peers with best dividend

HGSB.OL Fundamentals: All Metrics, Ratios and Statistics

HAUGESUND SPAREBANK

OSL:HGSB (3/18/2026, 7:00:00 PM)

167.88

+0.88 (+0.53%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-13
Earnings (Next)N/A
Inst Owners2.54%
Inst Owner ChangeN/A
Ins Owners6.78%
Ins Owner ChangeN/A
Market Cap881.37M
Revenue(TTM)487.88M
Net Income(TTM)35.90M
Analysts37.78
Price Target125.46 (-25.27%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.27%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)53.06%
Min EPS beat(2)14.65%
Max EPS beat(2)91.48%
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)0
Avg Revenue beat(2)-10.21%
Min Revenue beat(2)-20.08%
Max Revenue beat(2)-0.35%
Revenue beat(4)2
Avg Revenue beat(4)2.86%
Min Revenue beat(4)-20.08%
Max Revenue beat(4)26.16%
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)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)15.99%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-2.41%
Revenue NY rev (3m)-2.41%
Valuation
Industry RankSector Rank
PE 15.36
Fwd PE 13.42
P/S 1.81
P/FCF N/A
P/OCF N/A
P/B 0.32
P/tB 0.32
EV/EBITDA N/A
EPS(TTM)10.93
EY6.51%
EPS(NY)12.51
Fwd EY7.45%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS92.93
BVpS525.8
TBVpS518.41
PEG (NY)0.9
PEG (5Y)N/A
Graham Number359.59
Profitability
Industry RankSector Rank
ROA 0.18%
ROE 1.3%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 7.36%
GM N/A
FCFM N/A
ROA(3y)0.42%
ROA(5y)N/A
ROE(3y)3.19%
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 3Y-30.04%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 1.71
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
WACCN/A
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)-5.29%
EPS 3Y-39.68%
EPS 5YN/A
EPS Q2Q%56.39%
EPS Next Y16.98%
EPS Next 2Y11.68%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)12.87%
Revenue growth 3Y14.39%
Revenue growth 5YN/A
Sales Q2Q%27.86%
Revenue Next Year23.42%
Revenue Next 2Y16.32%
Revenue Next 3YN/A
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 Fundamental Analysis FAQ

What is the fundamental rating for HGSB stock?

ChartMill assigns a fundamental rating of 2 / 10 to HGSB.OL.


What is the valuation status of HAUGESUND SPAREBANK (HGSB.OL) stock?

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


How profitable is HAUGESUND SPAREBANK (HGSB.OL) stock?

HAUGESUND SPAREBANK (HGSB.OL) has a profitability rating of 1 / 10.


Can you provide the financial health for HGSB stock?

The financial health rating of HAUGESUND SPAREBANK (HGSB.OL) is 1 / 10.