HSPG Fundamental Analysis - HOLAND OG SETSKOG SPAREBANK

Fundamental Rating

HSPG gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 96 industry peers in the Banks industry. Both the profitability and financial health of HSPG have multiple concerns. HSPG is valued expensive and it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

In the past year HSPG was profitable.

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

In the past 5 years HSPG has always been profitable.

The reported operating cash flow has been mixed in the past 5 years: HSPG reported negative operating cash flow in multiple years.

1.2 Ratios

HSPG's Return On Assets of 0.09% is on the low side compared to the rest of the industry. HSPG is outperformed by 90.63% of its industry peers.

HSPG has a Return On Equity of 0.79%. This is amonst the worse of the industry: HSPG underperforms 90.63% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.09%
ROE	0.79%
ROIC	N/A

ROA(3y)0.1%

ROA(5y)0.1%

ROE(3y)0.85%

ROE(5y)0.98%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

With a Profit Margin value of 3.91%, HSPG is not doing good in the industry: 90.63% of the companies in the same industry are doing better.

HSPG's Profit Margin has declined in the last couple of years.

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

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	3.91%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-7.02%

PM growth 5Y-7.52%

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

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

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

Compared to 5 years ago, HSPG has less shares outstanding

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

2.2 Solvency

A Debt/Equity ratio of 2.77 is on the high side and indicates that HSPG has dependencies on debt financing.

With a Debt to Equity ratio value of 2.77, HSPG is not doing good in the industry: 65.63% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	2.77
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC4.42%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

HSPG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -15.72%.

The Earnings Per Share has been decreasing by -3.00% on average over the past years.

The Revenue has decreased by -0.19% in the past year.

HSPG shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.52% yearly.

EPS 1Y (TTM)-15.72%

EPS 3Y-8.03%

EPS 5Y-3%

EPS Q2Q%-21.46%

Revenue 1Y (TTM)-0.19%

Revenue growth 3Y4.97%

Revenue growth 5Y4.52%

Sales Q2Q%-2.8%

3.2 Future

The Earnings Per Share is expected to grow by 17.77% on average over the next years. This is quite good.

Based on estimates for the next years, HSPG will show a small growth in Revenue. The Revenue will grow by 4.55% on average per year.

EPS Next Y25.63%

EPS Next 2Y17.77%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year3.73%

Revenue Next 2Y4.51%

Revenue Next 3Y4.55%

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 accelerating.

The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

HSPG is valuated rather expensively with a Price/Earnings ratio of 18.54.

Compared to the rest of the industry, the Price/Earnings ratio of HSPG indicates a rather expensive valuation: HSPG more expensive than 90.63% of the companies listed in the same industry.

HSPG is valuated rather cheaply when we compare the Price/Earnings ratio to 26.35, which is the current average of the S&P500 Index.

HSPG is valuated correctly with a Price/Forward Earnings ratio of 12.67.

Compared to the rest of the industry, the Price/Forward Earnings ratio of HSPG indicates a slightly more expensive valuation: HSPG is more expensive than 75.00% of the companies listed in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 22.19. HSPG is valued slightly cheaper when compared to this.

		Industry Rank	Sector Rank
PE	18.54
Fwd PE	12.67

4.2 Price Multiples

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

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.

HSPG's earnings are expected to grow with 17.77% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.72

PEG (5Y)N/A

EPS Next 2Y17.77%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.36%, HSPG is a good candidate for dividend investing.

HSPG's Dividend Yield is comparable with the industry average which is at 5.14.

Compared to an average S&P500 Dividend Yield of 2.40, HSPG pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.36%

5.2 History

The dividend of HSPG decreases each year by -2.28%.

Dividend Growth(5Y)-2.28%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

DP0%

EPS Next 2Y17.77%

EPS Next 3YN/A

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HOLAND OG SETSKOG SPAREBANK

OSL:HSPG (6/20/2025, 7:00:00 PM)

170

0 (0%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)05-06 2025-05-06/bmo

Earnings (Next)08-15 2025-08-15

Inst Owners5.53%

Inst Owner ChangeN/A

Ins Owners23.84%

Ins Owner ChangeN/A

Market Cap117.30M

Analysts37.78

Price Target112.2 (-34%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.36%

Yearly Dividend7

Dividend Growth(5Y)-2.28%

DP0%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-6.38%

Min EPS beat(2)-26.17%

Max EPS beat(2)13.42%

EPS beat(4)2

Avg EPS beat(4)24.06%

Min EPS beat(4)-62.16%

Max EPS beat(4)171.15%

EPS beat(8)4

Avg EPS beat(8)14.3%

EPS beat(12)4

Avg EPS beat(12)-1.53%

EPS beat(16)4

Avg EPS beat(16)-6.94%

Revenue beat(2)1

Avg Revenue beat(2)-3.42%

Min Revenue beat(2)-7.6%

Max Revenue beat(2)0.77%

Revenue beat(4)3

Avg Revenue beat(4)5.24%

Min Revenue beat(4)-7.6%

Max Revenue beat(4)16.62%

Revenue beat(8)5

Avg Revenue beat(8)4.75%

Revenue beat(12)8

Avg Revenue beat(12)6.71%

Revenue beat(16)11

Avg Revenue beat(16)7.17%

PT rev (1m)-6.78%

PT rev (3m)-6.78%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.79%

Valuation

		Industry Rank	Sector Rank
PE	18.54
Fwd PE	12.67
P/S	0.58
P/FCF	N/A
P/OCF	N/A
P/B	0.12
P/tB	0.12
EV/EBITDA	N/A

EPS(TTM)9.17

EY5.39%

EPS(NY)13.41

Fwd EY7.89%

FCF(TTM)-713.6

FCFYN/A

OCF(TTM)-685.77

OCFYN/A

SpS291.95

BVpS1447.47

TBVpS1447.47

PEG (NY)0.72

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.09%
ROE	0.79%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	3.91%
GM	N/A
FCFM	N/A

ROA(3y)0.1%

ROA(5y)0.1%

ROE(3y)0.85%

ROE(5y)0.98%

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 3Y-7.02%

PM growth 5Y-7.52%

GM growth 3YN/A

GM growth 5YN/A

F-Score2

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	2.77
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	9.53%
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-Score2

WACC4.42%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)3.97%

Cap/Sales(5y)5.61%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-15.72%

EPS 3Y-8.03%

EPS 5Y-3%

EPS Q2Q%-21.46%

EPS Next Y25.63%

EPS Next 2Y17.77%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-0.19%

Revenue growth 3Y4.97%

Revenue growth 5Y4.52%

Sales Q2Q%-2.8%

Revenue Next Year3.73%

Revenue Next 2Y4.51%

Revenue Next 3Y4.55%

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 1Y-332.21%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-309.15%

OCF growth 3YN/A

OCF growth 5YN/A

HOLAND OG SETSKOG SPAREBANK (HSPG.OL) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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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

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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