ROGS Fundamental Analysis - ROGALAND SPAREBANK

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to ROGS. ROGS was compared to 96 industry peers in the Banks industry. Both the profitability and financial health of ROGS have multiple concerns. While showing a medium growth rate, ROGS is valued expensive at the moment.

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1. Profitability

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 reported 4 times negative operating cash flow.

1.2 Ratios

The Return On Assets of ROGS (0.77%) is comparable to the rest of the industry.

ROGS has a Return On Equity of 7.76%. This is in the lower half of the industry: ROGS underperforms 60.42% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.77%
ROE	7.76%
ROIC	N/A

ROA(3y)0.62%

ROA(5y)0.6%

ROE(3y)5.81%

ROE(5y)5.77%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

ROGS's Profit Margin of 25.65% is fine compared to the rest of the industry. ROGS outperforms 68.75% of its industry peers.

ROGS's Profit Margin has been stable in the last couple of years.

ROGS 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)	25.65%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y0.15%

PM growth 5Y0.02%

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

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 reduced compared to 5 years ago.

Compared to 1 year ago, ROGS has an improved debt to assets ratio.

2.2 Solvency

ROGS has a Debt/Equity ratio of 4.69. This is a high value indicating a heavy dependency on external financing.

With a Debt to Equity ratio value of 4.69, ROGS is not doing good in the industry: 86.46% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	4.69
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.94%

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

ROGS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.10%, which is quite good.

ROGS shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.81% yearly.

Looking at the last year, ROGS shows a very strong growth in Revenue. The Revenue has grown by 25.25%.

The Revenue has been growing by 9.48% on average over the past years. This is quite good.

EPS 1Y (TTM)16.1%

EPS 3Y15.8%

EPS 5Y10.81%

EPS Q2Q%-9.76%

Revenue 1Y (TTM)25.25%

Revenue growth 3Y16.73%

Revenue growth 5Y9.48%

Sales Q2Q%16.6%

3.2 Future

ROGS is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.60% yearly.

ROGS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.40% yearly.

EPS Next Y1.85%

EPS Next 2Y-3.33%

EPS Next 3Y-1.6%

EPS Next 5YN/A

Revenue Next Year6.11%

Revenue Next 2Y3.46%

Revenue Next 3Y3.4%

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.36, the valuation of ROGS can be described as very reasonable.

The rest of the industry has a similar Price/Earnings ratio as ROGS.

Compared to an average S&P500 Price/Earnings ratio of 27.06, ROGS is valued rather cheaply.

ROGS is valuated reasonably with a Price/Forward Earnings ratio of 11.51.

Based on the Price/Forward Earnings ratio, ROGS is valued a bit more expensive than 66.67% of the companies in the same industry.

ROGS is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.69, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	10.36
Fwd PE	11.51

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 ROGS does not grow enough to justify the current Price/Earnings ratio.

PEG (NY)5.62

PEG (5Y)0.96

EPS Next 2Y-3.33%

EPS Next 3Y-1.6%

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5. Dividend

5.1 Amount

ROGS has a Yearly Dividend Yield of 6.65%, which is a nice return.

ROGS's Dividend Yield is a higher than the industry average which is at 5.01.

Compared to an average S&P500 Dividend Yield of 2.32, ROGS pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	6.65%

5.2 History

On average, the dividend of ROGS grows each year by 16.29%, which is quite nice.

Dividend Growth(5Y)16.29%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

ROGS pays out 77.56% 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.

DP77.56%

EPS Next 2Y-3.33%

EPS Next 3Y-1.6%

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ROGALAND SPAREBANK

OSL:ROGS (9/4/2025, 7:00:00 PM)

142

+1 (+0.71%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)08-13 2025-08-13/bmo

Earnings (Next)11-06 2025-11-06

Inst Owners31.1%

Inst Owner ChangeN/A

Ins Owners6.82%

Ins Owner ChangeN/A

Market Cap3.55B

Analysts77.78

Price Target150.45 (5.95%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.65%

Yearly Dividend11.09

Dividend Growth(5Y)16.29%

DP77.56%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)21.2%

Min EPS beat(2)8.29%

Max EPS beat(2)34.1%

EPS beat(4)4

Avg EPS beat(4)27.56%

Min EPS beat(4)4.22%

Max EPS beat(4)63.64%

EPS beat(8)5

Avg EPS beat(8)17.39%

EPS beat(12)6

Avg EPS beat(12)8.44%

EPS beat(16)9

Avg EPS beat(16)10.5%

Revenue beat(2)1

Avg Revenue beat(2)0.65%

Min Revenue beat(2)-6.12%

Max Revenue beat(2)7.42%

Revenue beat(4)3

Avg Revenue beat(4)6.86%

Min Revenue beat(4)-6.12%

Max Revenue beat(4)22.35%

Revenue beat(8)5

Avg Revenue beat(8)6.4%

Revenue beat(12)6

Avg Revenue beat(12)5.3%

Revenue beat(16)10

Avg Revenue beat(16)5.01%

PT rev (1m)0%

PT rev (3m)3.39%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-5.06%

EPS NY rev (1m)9.22%

EPS NY rev (3m)9.22%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)1.68%

Revenue NY rev (1m)0%

Revenue NY rev (3m)2.49%

Valuation

		Industry Rank	Sector Rank
PE	10.36
Fwd PE	11.51
P/S	2.88
P/FCF	N/A
P/OCF	N/A
P/B	0.87
P/tB	0.87
EV/EBITDA	N/A

EPS(TTM)13.7

EY9.65%

EPS(NY)12.34

Fwd EY8.69%

FCF(TTM)-47.25

FCFYN/A

OCF(TTM)-47.2

OCFYN/A

SpS49.33

BVpS163.03

TBVpS163

PEG (NY)5.62

PEG (5Y)0.96

Profitability

		Industry Rank	Sector Rank
ROA	0.77%
ROE	7.76%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	25.65%
GM	N/A
FCFM	N/A

ROA(3y)0.62%

ROA(5y)0.6%

ROE(3y)5.81%

ROE(5y)5.77%

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 3Y0.15%

PM growth 5Y0.02%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	4.69
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	0.11%
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-Score5

WACC5.94%

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)16.1%

EPS 3Y15.8%

EPS 5Y10.81%

EPS Q2Q%-9.76%

EPS Next Y1.85%

EPS Next 2Y-3.33%

EPS Next 3Y-1.6%

EPS Next 5YN/A

Revenue 1Y (TTM)25.25%

Revenue growth 3Y16.73%

Revenue growth 5Y9.48%

Sales Q2Q%16.6%

Revenue Next Year6.11%

Revenue Next 2Y3.46%

Revenue Next 3Y3.4%

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-34.95%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-34.8%

OCF growth 3YN/A

OCF growth 5YN/A

ROGALAND SPAREBANK (ROGS.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