ROGALAND SPAREBANK (ROGS.OL) Fundamental Analysis & Valuation
OSL:ROGS • NO0006001007
Current stock price
151 NOK
+1.5 (+1%)
Last:
This ROGS.OL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. ROGS.OL Profitability Analysis
1.1 Basic Checks
- ROGS had positive earnings in the past year.
- In the past year ROGS has reported a negative cash flow from operations.
- In the past 5 years ROGS has always been profitable.
- In the past 5 years ROGS always reported negative operating cash flow.
1.2 Ratios
- With a Return On Assets value of 0.67%, ROGS perfoms like the industry average, outperforming 45.71% of the companies in the same industry.
- ROGS has a worse Return On Equity (6.52%) than 68.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.67% | ||
| ROE | 6.52% | ||
| ROIC | N/A |
ROA(3y)0.67%
ROA(5y)0.63%
ROE(3y)6.33%
ROE(5y)5.96%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- ROGS has a Profit Margin of 28.36%. This is in the better half of the industry: ROGS outperforms 73.33% of its industry peers.
- ROGS's Profit Margin has been stable in the last couple of years.
- The Operating Margin and Gross Margin are not available for ROGS so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 28.36% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.52%
PM growth 5Y1.1%
GM growth 3YN/A
GM growth 5YN/A
2. ROGS.OL Health Analysis
2.1 Basic Checks
- ROGS does not have a ROIC to compare to the WACC, probably because it is not profitable.
- ROGS has more shares outstanding than it did 1 year ago.
- The number of shares outstanding for ROGS has been increased compared to 5 years ago.
- ROGS has a worse debt/assets ratio than last year.
2.2 Solvency
- A Debt/Equity ratio of 4.48 is on the high side and indicates that ROGS has dependencies on debt financing.
- With a Debt to Equity ratio value of 4.48, ROGS is not doing good in the industry: 90.48% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.48 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.16%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. ROGS.OL Growth Analysis
3.1 Past
- ROGS shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -4.55%.
- The Earnings Per Share has been growing by 9.79% on average over the past years. This is quite good.
- The Revenue for ROGS has decreased by -11.88% in the past year. This is quite bad
- ROGS shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.26% yearly.
EPS 1Y (TTM)-4.55%
EPS 3Y17.84%
EPS 5Y9.79%
EPS Q2Q%-8%
Revenue 1Y (TTM)-11.88%
Revenue growth 3Y16.6%
Revenue growth 5Y11.26%
Sales Q2Q%5.87%
3.2 Future
- The Earnings Per Share is expected to decrease by -1.10% on average over the next years.
- ROGS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.47% yearly.
EPS Next Y-5.41%
EPS Next 2Y-4.25%
EPS Next 3Y-1.1%
EPS Next 5YN/A
Revenue Next Year2.2%
Revenue Next 2Y3.12%
Revenue Next 3Y3.47%
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 decreasing.
- 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.
4. ROGS.OL Valuation Analysis
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 11.98, the valuation of ROGS can be described as very reasonable.
- Based on the Price/Earnings ratio, ROGS is valued a bit more expensive than 64.76% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 26.78, ROGS is valued rather cheaply.
- A Price/Forward Earnings ratio of 12.67 indicates a correct valuation of ROGS.
- 73.33% of the companies in the same industry are cheaper than ROGS, based on the Price/Forward Earnings ratio.
- ROGS's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.54.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.98 | ||
| 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
PEG (NY)N/A
PEG (5Y)1.22
EPS Next 2Y-4.25%
EPS Next 3Y-1.1%
5. ROGS.OL Dividend Analysis
5.1 Amount
- ROGS has a Yearly Dividend Yield of 7.83%, which is a nice return.
- Compared to an average industry Dividend Yield of 4.70, ROGS pays a better dividend. On top of this ROGS pays more dividend than 93.33% of the companies listed in the same industry.
- ROGS's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.83% |
5.2 History
- The dividend of ROGS is nicely growing with an annual growth rate of 14.67%!
Dividend Growth(5Y)14.67%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- ROGS pays out 116.77% of its income as dividend. This is not a sustainable payout ratio.
- The Dividend Rate of ROGS has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP116.77%
EPS Next 2Y-4.25%
EPS Next 3Y-1.1%
ROGS.OL Fundamentals: All Metrics, Ratios and Statistics
OSL:ROGS (4/10/2026, 7:00:00 PM)
151
+1.5 (+1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-11 2026-02-11/bmo
Earnings (Next)05-06 2026-05-06
Inst Owners28.04%
Inst Owner ChangeN/A
Ins Owners4.22%
Ins Owner ChangeN/A
Market Cap3.78B
Revenue(TTM)1.05B
Net Income(TTM)297.01M
Analysts77.78
Price Target155.55 (3.01%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.83% |
Yearly Dividend15.09
Dividend Growth(5Y)14.67%
DP116.77%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)4.12%
Min EPS beat(2)-2.39%
Max EPS beat(2)10.63%
EPS beat(4)2
Avg EPS beat(4)6.91%
Min EPS beat(4)-14.71%
Max EPS beat(4)34.1%
EPS beat(8)5
Avg EPS beat(8)12.68%
EPS beat(12)6
Avg EPS beat(12)10.89%
EPS beat(16)8
Avg EPS beat(16)7.1%
Revenue beat(2)1
Avg Revenue beat(2)-1.7%
Min Revenue beat(2)-4.17%
Max Revenue beat(2)0.77%
Revenue beat(4)2
Avg Revenue beat(4)0.83%
Min Revenue beat(4)-4.17%
Max Revenue beat(4)7.42%
Revenue beat(8)4
Avg Revenue beat(8)2.56%
Revenue beat(12)6
Avg Revenue beat(12)3.73%
Revenue beat(16)8
Avg Revenue beat(16)4.17%
PT rev (1m)2.01%
PT rev (3m)3.39%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)3.65%
EPS NY rev (3m)0.53%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.56%
Revenue NY rev (3m)-1.17%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.98 | ||
| Fwd PE | 12.67 | ||
| P/S | 3.61 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.83 | ||
| P/tB | 0.83 | ||
| EV/EBITDA | N/A |
EPS(TTM)12.6
EY8.34%
EPS(NY)11.92
Fwd EY7.89%
FCF(TTM)-65.23
FCFYN/A
OCF(TTM)-65.08
OCFYN/A
SpS41.84
BVpS181.91
TBVpS181.87
PEG (NY)N/A
PEG (5Y)1.22
Graham Number227.09
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.67% | ||
| ROE | 6.52% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 28.36% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)0.67%
ROA(5y)0.63%
ROE(3y)6.33%
ROE(5y)5.96%
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 3Y3.52%
PM growth 5Y1.1%
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.48 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.37% | ||
| 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
WACC6.16%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.18%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-4.55%
EPS 3Y17.84%
EPS 5Y9.79%
EPS Q2Q%-8%
EPS Next Y-5.41%
EPS Next 2Y-4.25%
EPS Next 3Y-1.1%
EPS Next 5YN/A
Revenue 1Y (TTM)-11.88%
Revenue growth 3Y16.6%
Revenue growth 5Y11.26%
Sales Q2Q%5.87%
Revenue Next Year2.2%
Revenue Next 2Y3.12%
Revenue Next 3Y3.47%
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-221.99%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-221.66%
OCF growth 3YN/A
OCF growth 5YN/A
ROGALAND SPAREBANK / ROGS.OL Fundamental Analysis FAQ
What is the fundamental rating for ROGS stock?
ChartMill assigns a fundamental rating of 2 / 10 to ROGS.OL.
What is the valuation status for ROGS stock?
ChartMill assigns a valuation rating of 2 / 10 to ROGALAND SPAREBANK (ROGS.OL). This can be considered as Overvalued.
What is the profitability of ROGS stock?
ROGALAND SPAREBANK (ROGS.OL) has a profitability rating of 2 / 10.
Can you provide the PE and PB ratios for ROGS stock?
The Price/Earnings (PE) ratio for ROGALAND SPAREBANK (ROGS.OL) is 11.98 and the Price/Book (PB) ratio is 0.83.
Can you provide the expected EPS growth for ROGS stock?
The Earnings per Share (EPS) of ROGALAND SPAREBANK (ROGS.OL) is expected to decline by -5.41% in the next year.