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 90 industry peers in the Banks industry. HSPG has a bad profitability rating. Also its financial health evaluation is rather negative. HSPG is quite expensive at the moment. It does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

HSPG had positive earnings in the past year.

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

HSPG had positive earnings in each of the past 5 years.

In multiple years HSPG reported negative operating cash flow during the last 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.09%, HSPG is doing worse than 90.63% of the companies in the same industry.

The Return On Equity of HSPG (0.79%) is worse than 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

HSPG has a worse Profit Margin (3.91%) than 90.63% of its industry peers.

In the last couple of years the Profit Margin of HSPG has declined.

HSPG does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		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.

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

Compared to 5 years ago, HSPG has less shares outstanding

HSPG has a worse debt/assets ratio than last year.

2.2 Solvency

HSPG has a Debt/Equity ratio of 2.77. This is a high value indicating a heavy dependency on external financing.

With a Debt to Equity ratio value of 2.77, HSPG is not doing good in the industry: 64.58% 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

The Earnings Per Share has grown by an impressive 22.89% over the past year.

HSPG shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.00% yearly.

Looking at the last year, HSPG shows a small growth in Revenue. The Revenue has grown by 2.98% in the last 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)22.89%

EPS 3Y-8.03%

EPS 5Y-3%

EPS Q2Q%110.61%

Revenue 1Y (TTM)2.98%

Revenue growth 3Y4.97%

Revenue growth 5Y4.52%

Sales Q2Q%9.02%

3.2 Future

The Earnings Per Share is expected to grow by 6.09% on average over the next years.

The Revenue is expected to grow by 1.92% on average over the next years.

EPS Next Y1.47%

EPS Next 2Y0.47%

EPS Next 3Y6.09%

EPS Next 5YN/A

Revenue Next Year-4.28%

Revenue Next 2Y0.49%

Revenue Next 3Y1.92%

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 decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 15.62, which indicates a correct valuation of HSPG.

Compared to the rest of the industry, the Price/Earnings ratio of HSPG indicates a rather expensive valuation: HSPG more expensive than 87.50% of the companies listed in the same industry.

The average S&P500 Price/Earnings ratio is at 27.30. HSPG is valued slightly cheaper when compared to this.

With a Price/Forward Earnings ratio of 17.01, HSPG is valued on the expensive side.

Based on the Price/Forward Earnings ratio, HSPG is valued expensively inside the industry as 81.25% of the companies are valued cheaper.

HSPG's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.73.

		Industry Rank	Sector Rank
PE	15.62
Fwd PE	17.01

4.2 Price Multiples

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

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

PEG (NY)10.6

PEG (5Y)N/A

EPS Next 2Y0.47%

EPS Next 3Y6.09%

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5. Dividend

5.1 Amount

HSPG has a Yearly Dividend Yield of 5.26%, which is a nice return.

Compared to an average industry Dividend Yield of 5.03, HSPG has a dividend in line with its industry peers.

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

		Industry Rank	Sector Rank
Dividend Yield	5.26%

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 2Y0.47%

EPS Next 3Y6.09%

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HOLAND OG SETSKOG SPAREBANK

OSL:HSPG (9/12/2025, 7:00:00 PM)

166

-4.96 (-2.9%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)08-15 2025-08-15/bmo

Earnings (Next)10-31 2025-10-31

Inst Owners5.53%

Inst Owner ChangeN/A

Ins Owners23.84%

Ins Owner ChangeN/A

Market Cap114.54M

Analysts37.78

Price Target112.2 (-32.41%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.26%

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)0%

PT rev (3m)-6.78%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-17.29%

EPS NY rev (1m)-19.23%

EPS NY rev (3m)-19.23%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-7.73%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-7.72%

Valuation

		Industry Rank	Sector Rank
PE	15.62
Fwd PE	17.01
P/S	0.57
P/FCF	N/A
P/OCF	N/A
P/B	0.11
P/tB	0.11
EV/EBITDA	N/A

EPS(TTM)10.63

EY6.4%

EPS(NY)9.76

Fwd EY5.88%

FCF(TTM)-713.6

FCFYN/A

OCF(TTM)-685.77

OCFYN/A

SpS291.95

BVpS1447.47

TBVpS1447.47

PEG (NY)10.6

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)22.89%

EPS 3Y-8.03%

EPS 5Y-3%

EPS Q2Q%110.61%

EPS Next Y1.47%

EPS Next 2Y0.47%

EPS Next 3Y6.09%

EPS Next 5YN/A

Revenue 1Y (TTM)2.98%

Revenue growth 3Y4.97%

Revenue growth 5Y4.52%

Sales Q2Q%9.02%

Revenue Next Year-4.28%

Revenue Next 2Y0.49%

Revenue Next 3Y1.92%

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

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