HSPG Fundamental Analysis - HOLAND OG SETSKOG SPAREBANK

Fundamental Rating

Taking everything into account, HSPG scores 2 out of 10 in our fundamental rating. HSPG was compared to 92 industry peers in the Banks industry. Both the profitability and financial health of HSPG have multiple concerns. HSPG has a expensive valuation and it also scores bad on growth.

Quickly go to:

1. Profitability

1.1 Basic Checks

In the past year HSPG was profitable.

HSPG had a negative operating cash flow in the past year.

In the past 5 years HSPG has always been profitable.

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

1.2 Ratios

With a Return On Assets value of 0.09%, HSPG is not doing good in the industry: 91.30% of the companies in the same industry are doing better.

HSPG has a worse Return On Equity (0.79%) than 91.30% 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 Profit Margin of 3.91%. This is amonst the worse of the industry: HSPG underperforms 91.30% of its industry peers.

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

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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

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.

The number of shares outstanding for HSPG has been reduced compared to 5 years ago.

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

2.2 Solvency

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

HSPG's Debt to Equity ratio of 2.77 is on the low side compared to the rest of the industry. HSPG is outperformed by 64.13% of its industry peers.

		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

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

The earnings per share for HSPG have decreased strongly by -15.72% in the last year.

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

Looking at the last year, HSPG shows a decrease in Revenue. The Revenue has decreased by -0.19% in the last year.

The Revenue has been growing slightly by 4.52% on average over the past years.

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.

The Revenue is expected to grow by 4.55% on average over the next years.

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

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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 18.58 indicates a rather expensive valuation of HSPG.

Based on the Price/Earnings ratio, HSPG is valued more expensive than 91.30% of the companies in the same industry.

When comparing the Price/Earnings ratio of HSPG to the average of the S&P500 Index (26.25), we can say HSPG is valued slightly cheaper.

With a Price/Forward Earnings ratio of 12.70, HSPG is valued correctly.

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 72.83% of the companies listed in the same industry.

When comparing the Price/Forward Earnings ratio of HSPG to the average of the S&P500 Index (22.15), we can say HSPG is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	18.58
Fwd PE	12.7

4.2 Price Multiples

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

4.3 Compensation for Growth

HSPG's 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)0.73

PEG (5Y)N/A

EPS Next 2Y17.77%

EPS Next 3YN/A

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

HSPG has a Yearly Dividend Yield of 5.23%, 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 2.40.

		Industry Rank	Sector Rank
Dividend Yield	5.23%

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

More info and screens

Find the best dividend stocks

Show peers with best dividend

HOLAND OG SETSKOG SPAREBANK

OSL:HSPG (5/28/2025, 7:00:00 PM)

170.38

+2.44 (+1.45%)

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 Owners23.05%

Ins Owner ChangeN/A

Market Cap117.56M

Analysts37.78

Price Target120.36 (-29.36%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.23%

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)0%

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)-0.79%

Revenue NY rev (3m)-0.79%

Valuation

		Industry Rank	Sector Rank
PE	18.58
Fwd PE	12.7
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

EY5.38%

EPS(NY)13.41

Fwd EY7.87%

FCF(TTM)-713.6

FCFYN/A

OCF(TTM)-685.77

OCFYN/A

SpS291.95

BVpS1447.47

TBVpS1447.47

PEG (NY)0.73

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

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