HGSB Fundamental Analysis - HAUGESUND SPAREBANK

Name: HAUGESUND SPAREBANK (HGSB) Stock
Brand: HAUGESUND SPAREBANK
Rating: 2.5 (3 reviews)

Fundamental Rating

HGSB gets a fundamental rating of 1 out of 10. The analysis compared the fundamentals against 108 industry peers in the Banks industry. Both the profitability and financial health of HGSB have multiple concerns. HGSB has a expensive valuation and it also scores bad on growth.

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1. Profitability

1.1 Basic Checks

In the past year HGSB was profitable.

1.2 Ratios

HGSB has a Return On Assets of 0.17%. This is amonst the worse of the industry: HGSB underperforms 89.81% of its industry peers.

With a Return On Equity value of 1.35%, HGSB is not doing good in the industry: 89.81% of the companies in the same industry are doing better.

		Industry Rank	Sector 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

1.3 Margins

HGSB's Profit Margin of 5.31% is on the low side compared to the rest of the industry. HGSB is outperformed by 89.81% of its industry peers.

The Operating Margin and Gross Margin are not available for HGSB so they could not be analyzed.

		Industry Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

HGSB does not have a ROIC to compare to the WACC, probably because it is not profitable.

HGSB has about the same amout of shares outstanding than it did 1 year ago.

Compared to 1 year ago, HGSB has a worse debt to assets ratio.

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 51.85% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	2.12
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.75%

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

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

HGSB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.20% yearly.

Based on estimates for the next years, HGSB will show a quite strong growth in Revenue. The Revenue will grow by 14.50% on average per year.

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

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Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

HGSB is valuated correctly with a Price/Earnings ratio of 12.58.

Based on the Price/Earnings ratio, HGSB is valued a bit more expensive than 76.85% of the companies in the same industry.

When comparing the Price/Earnings ratio of HGSB to the average of the S&P500 Index (25.65), we can say HGSB is valued rather cheaply.

Based on the Price/Forward Earnings ratio of 14.93, 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 78.70% of the companies listed in the same industry.

HGSB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.45.

		Industry Rank	Sector Rank
PE	12.58
Fwd PE	14.93

4.2 Price Multiples

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

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y-0.66%

EPS Next 3Y1.2%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

HGSB has a Yearly Dividend Yield of 7.81%, which is a nice return.

HGSB's Dividend Yield is rather good when compared to the industry average which is at 4.85. HGSB pays more dividend than 93.52% of the companies in the same industry.

HGSB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.

		Industry Rank	Sector Rank
Dividend Yield	7.81%

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%

More info and screens

Find the best dividend stocks

Show peers with best dividend

HAUGESUND SPAREBANK

OSL:HGSB (11/21/2025, 7:00:00 PM)

161

+1.02 (+0.64%)

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 Cap845.25M

Revenue(TTM)542.21M

Net Income(TTM)28.81M

Analysts37.78

Price Target125.46 (-22.07%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.81%

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)0%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	12.58
Fwd PE	14.93
P/S	1.56
P/FCF	N/A
P/OCF	N/A
P/B	0.4
P/tB	0.4
EV/EBITDA	N/A

EPS(TTM)12.8

EY7.95%

EPS(NY)10.78

Fwd EY6.7%

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 Rank	Sector 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 Rank	Sector 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

WACC5.75%

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%.

HAUGESUND SPAREBANK (HGSB.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

HAUGESUND SPAREBANK / HGSB.OL FAQ

What is the fundamental rating for HGSB stock?

Can you provide the valuation status for HAUGESUND SPAREBANK?

Can you provide the profitability details for HAUGESUND SPAREBANK?

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

Is the dividend of HAUGESUND SPAREBANK sustainable?