ROGALAND SPAREBANK (ROGS.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:ROGS - NO0006001007 - Common Stock
141 NOK
+0.5 (+0.36%)
ROGS gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 114 industry peers in the Banks industry. ROGS has a bad profitability rating. Also its financial health evaluation is rather negative. ROGS has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year ROGS was profitable.
ROGS had a negative operating cash flow in the past year.
ROGS had positive earnings in each of the past 5 years.
ROGS had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.77%, ROGS is in line with its industry, outperforming 50.00% of the companies in the same industry.
ROGS has a Return On Equity of 7.47%. This is in the lower half of the industry: ROGS underperforms 67.54% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.77% | ||
| ROE | 7.47% | ||
| 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
With a decent Profit Margin value of 29.70%, ROGS is doing good in the industry, outperforming 77.19% of the companies in the same industry.
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) | 29.7% | ||
| 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
2. Health
2.1 Basic Checks
ROGS does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, ROGS has more shares outstanding
Compared to 5 years ago, ROGS has less shares outstanding
The debt/assets ratio for ROGS has been reduced compared to a year ago.
2.2 Solvency
ROGS has a Debt/Equity ratio of 4.47. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 4.47, ROGS is doing worse than 85.96% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.47 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.18%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
ROGS shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.00%.
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)0%
EPS 3Y15.8%
EPS 5Y10.81%
EPS Q2Q%-23.68%
Revenue 1Y (TTM)25.25%
Revenue growth 3Y16.73%
Revenue growth 5Y9.48%
Sales Q2Q%-20.82%
3.2 Future
ROGS is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -2.05% yearly.
The Revenue is expected to grow by 3.17% on average over the next years.
EPS Next Y-2.2%
EPS Next 2Y-5.23%
EPS Next 3Y-2.05%
EPS Next 5YN/A
Revenue Next Year5.8%
Revenue Next 2Y2.81%
Revenue Next 3Y3.17%
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. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 11.02, which indicates a very decent valuation of ROGS.
ROGS's Price/Earnings ratio is a bit cheaper when compared to the industry. ROGS is cheaper than 65.79% of the companies in the same industry.
ROGS is valuated cheaply when we compare the Price/Earnings ratio to 27.19, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 11.89, the valuation of ROGS can be described as very reasonable.
ROGS's Price/Forward Earnings is on the same level as the industry average.
ROGS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.02 | ||
| Fwd PE | 11.89 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
ROGS's earnings are expected to decrease with -2.05% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)1.02
EPS Next 2Y-5.23%
EPS Next 3Y-2.05%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.60%, ROGS is a good candidate for dividend investing.
ROGS's Dividend Yield is rather good when compared to the industry average which is at 3.98. ROGS pays more dividend than 86.84% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 1.94, ROGS pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.6% |
5.2 History
The dividend of ROGS is nicely growing with an annual growth rate of 16.29%!
Dividend Growth(5Y)16.29%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
108.58% of the earnings are spent on dividend by ROGS. 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.
DP108.58%
EPS Next 2Y-5.23%
EPS Next 3Y-2.05%
OSL:ROGS (1/9/2026, 7:00:00 PM)
141
+0.5 (+0.36%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners28.04%
Inst Owner ChangeN/A
Ins Owners4.24%
Ins Owner ChangeN/A
Market Cap3.53B
Revenue(TTM)985.41M
Net Income(TTM)318.61M
Analysts77.78
Price Target150.45 (6.7%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.6% |
Yearly Dividend11.09
Dividend Growth(5Y)16.29%
DP108.58%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)9.69%
Min EPS beat(2)-14.71%
Max EPS beat(2)34.1%
EPS beat(4)3
Avg EPS beat(4)22.83%
Min EPS beat(4)-14.71%
Max EPS beat(4)63.64%
EPS beat(8)5
Avg EPS beat(8)16.23%
EPS beat(12)5
Avg EPS beat(12)6.03%
EPS beat(16)9
Avg EPS beat(16)10.09%
Revenue beat(2)1
Avg Revenue beat(2)3.36%
Min Revenue beat(2)-0.69%
Max Revenue beat(2)7.42%
Revenue beat(4)2
Avg Revenue beat(4)5.74%
Min Revenue beat(4)-6.12%
Max Revenue beat(4)22.35%
Revenue beat(8)4
Avg Revenue beat(8)4.34%
Revenue beat(12)5
Avg Revenue beat(12)2.23%
Revenue beat(16)9
Avg Revenue beat(16)4.53%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.41%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.02 | ||
| Fwd PE | 11.89 | ||
| P/S | 3.29 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.83 | ||
| P/tB | 0.83 | ||
| EV/EBITDA | N/A |
EPS(TTM)12.8
EY9.08%
EPS(NY)11.86
Fwd EY8.41%
FCF(TTM)-28.82
FCFYN/A
OCF(TTM)-28.76
OCFYN/A
SpS42.87
BVpS170.44
TBVpS170.4
PEG (NY)N/A
PEG (5Y)1.02
Graham Number221.56
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.77% | ||
| ROE | 7.47% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 29.7% | ||
| 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
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 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 | 4.47 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| 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
WACC6.18%
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)0%
EPS 3Y15.8%
EPS 5Y10.81%
EPS Q2Q%-23.68%
EPS Next Y-2.2%
EPS Next 2Y-5.23%
EPS Next 3Y-2.05%
EPS Next 5YN/A
Revenue 1Y (TTM)25.25%
Revenue growth 3Y16.73%
Revenue growth 5Y9.48%
Sales Q2Q%-20.82%
Revenue Next Year5.8%
Revenue Next 2Y2.81%
Revenue Next 3Y3.17%
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-28.8%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-28.45%
OCF growth 3YN/A
OCF growth 5YN/A
ROGALAND SPAREBANK / ROGS.OL FAQ
What is the fundamental rating for ROGS stock?
ChartMill assigns a fundamental rating of 3 / 10 to ROGS.OL.
What is the valuation status of ROGALAND SPAREBANK (ROGS.OL) stock?
ChartMill assigns a valuation rating of 4 / 10 to ROGALAND SPAREBANK (ROGS.OL). This can be considered as Fairly Valued.
Can you provide the profitability details for ROGALAND SPAREBANK?
ROGALAND SPAREBANK (ROGS.OL) has a profitability rating of 2 / 10.
What is the financial health of ROGALAND SPAREBANK (ROGS.OL) stock?
The financial health rating of ROGALAND SPAREBANK (ROGS.OL) is 1 / 10.
Is the dividend of ROGALAND SPAREBANK sustainable?
The dividend rating of ROGALAND SPAREBANK (ROGS.OL) is 6 / 10 and the dividend payout ratio is 108.58%.