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HAUGESUND SPAREBANK (HGSB.OL) Stock Fundamental Analysis

OSL:HGSB - NO0010764053 - Common Stock

161.98 NOK
+2.98 (+1.87%)
Last: 9/5/2025, 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 89 industry peers in the Banks industry. HGSB has a bad profitability rating. Also its financial health evaluation is rather negative. 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

HGSB had positive earnings in the past year.
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 88.54% of its industry peers.
HGSB has a worse Return On Equity (1.35%) than 88.54% 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

Looking at the Profit Margin, with a value of 5.31%, HGSB is doing worse than 88.54% of the companies in the same industry.
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) 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.
Compared to 1 year ago, HGSB has a worse debt to assets ratio.
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.
With a Debt to Equity ratio value of 2.12, HGSB perfoms like the industry average, outperforming 52.08% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.12
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC4.98%
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

HGSB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -83.05%.
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.
The Revenue is expected to grow by 14.50% on average over the next years. This is quite good.
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

A Price/Earnings ratio of 12.65 indicates a correct valuation of HGSB.
Based on the Price/Earnings ratio, HGSB is valued a bit more expensive than the industry average as 76.04% of the companies are valued more cheaply.
HGSB is valuated cheaply when we compare the Price/Earnings ratio to 27.06, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 15.02, which indicates a correct valuation of HGSB.
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 79.17% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.69. HGSB is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 12.65
Fwd PE 15.02
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 200 400 600 800

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

HGSB has a Yearly Dividend Yield of 7.86%, which is a nice return.
Compared to an average industry Dividend Yield of 5.09, HGSB pays a better dividend. On top of this HGSB pays more dividend than 93.75% 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 2.45.
Industry RankSector Rank
Dividend Yield 7.86%

5.2 History

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

5.3 Sustainability

HGSB pays out 64.05% of its income as dividend. 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 (9/5/2025, 7:00:00 PM)

161.98

+2.98 (+1.87%)

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 Owners5.12%
Ins Owner ChangeN/A
Market Cap364.45M
Analysts37.78
Price Target125.46 (-22.55%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.86%
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)127.14%
EPS NY rev (1m)1%
EPS NY rev (3m)1%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.86%
Valuation
Industry RankSector Rank
PE 12.65
Fwd PE 15.02
P/S 0.67
P/FCF N/A
P/OCF N/A
P/B 0.17
P/tB 0.17
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
SpS240.98
BVpS950.22
TBVpS949.94
PEG (NY)N/A
PEG (5Y)N/A
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
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 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
WACC4.98%
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