ROGALAND SPAREBANK (ROGS.OL) Fundamental Analysis & Valuation

OSL:ROGS • NO0006001007

Current stock price

150.8 NOK
+0.76 (+0.51%)
Last:

This ROGS.OL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

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.
ROGS.OL Yearly Net Income VS EBIT VS OCF VS FCFROGS.OL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M -500M -1B -1.5B

1.2 Ratios

  • The Return On Assets of ROGS (0.67%) is comparable to the rest of the industry.
  • The Return On Equity of ROGS (6.52%) is worse than 67.92% of its industry peers.
Industry RankSector 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
ROGS.OL Yearly ROA, ROE, ROICROGS.OL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6

1.3 Margins

  • With a decent Profit Margin value of 28.36%, ROGS is doing good in the industry, outperforming 72.64% of the companies in the same industry.
  • In the last couple of years the Profit Margin of ROGS has remained more or less at the same level.
  • The Operating Margin and Gross Margin are not available for ROGS so they could not be analyzed.
Industry RankSector 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
ROGS.OL Yearly Profit, Operating, Gross MarginsROGS.OL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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0

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.
  • The number of shares outstanding for ROGS has been increased compared to 1 year ago.
  • Compared to 5 years ago, ROGS has more shares outstanding
  • ROGS has a worse debt/assets ratio than last year.
ROGS.OL Yearly Shares OutstandingROGS.OL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M
ROGS.OL Yearly Total Debt VS Total AssetsROGS.OL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B 40B

2.2 Solvency

  • A Debt/Equity ratio of 4.48 is on the high side and indicates that ROGS has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 4.48, ROGS is doing worse than 90.57% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 4.48
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC6.16%
ROGS.OL Yearly LT Debt VS Equity VS FCFROGS.OL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B 15B 20B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ROGS.OL Yearly Current Assets VS Current LiabilitesROGS.OL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

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%.
  • Measured over the past years, ROGS shows a quite strong growth in Earnings Per Share. The EPS has been growing by 9.79% on average per year.
  • 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.
  • The Revenue is expected to grow by 3.47% on average over the next years.
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
ROGS.OL Yearly Revenue VS EstimatesROGS.OL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 200M 400M 600M 800M 1B
ROGS.OL Yearly EPS VS EstimatesROGS.OL Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2 4 6 8 10

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3

4. ROGS.OL Valuation Analysis

4.1 Price/Earnings Ratio

  • ROGS is valuated reasonably with a Price/Earnings ratio of 11.97.
  • Compared to the rest of the industry, the Price/Earnings ratio of ROGS is on the same level as its industry peers.
  • ROGS is valuated cheaply when we compare the Price/Earnings ratio to 27.79, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 12.65, the valuation of ROGS can be described as correct.
  • Based on the Price/Forward Earnings ratio, ROGS is valued a bit more expensive than 70.75% of the companies in the same industry.
  • ROGS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 38.88.
Industry RankSector Rank
PE 11.97
Fwd PE 12.65
ROGS.OL Price Earnings VS Forward Price EarningsROGS.OL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
ROGS.OL Per share dataROGS.OL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 -50 100 150

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.22
EPS Next 2Y-4.25%
EPS Next 3Y-1.1%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. ROGS.OL Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 7.69%, ROGS is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.47, ROGS pays a better dividend. On top of this ROGS pays more dividend than 93.40% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.81, ROGS pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.69%

5.2 History

  • On average, the dividend of ROGS grows each year by 14.67%, which is quite nice.
Dividend Growth(5Y)14.67%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 116.77% of the earnings are spent on dividend by ROGS. This is not a sustainable payout ratio.
  • ROGS's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP116.77%
EPS Next 2Y-4.25%
EPS Next 3Y-1.1%
ROGS.OL Yearly Income VS Free CF VS DividendROGS.OL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M -500M -1B -1.5B
ROGS.OL Dividend Payout.ROGS.OL Dividend Payout, showing the Payout Ratio.ROGS.OL Dividend Payout.PayoutRetained Earnings

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ROGS.OL Fundamentals: All Metrics, Ratios and Statistics

ROGALAND SPAREBANK

OSL:ROGS (4/22/2026, 7:00:00 PM)

150.8

+0.76 (+0.51%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-11
Earnings (Next)05-06
Inst Owners28.04%
Inst Owner ChangeN/A
Ins Owners4.22%
Ins Owner ChangeN/A
Market Cap3.77B
Revenue(TTM)1.05B
Net Income(TTM)297.01M
Analysts77.78
Price Target155.55 (3.15%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.69%
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)1.67%
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 RankSector Rank
PE 11.97
Fwd PE 12.65
P/S 3.6
P/FCF N/A
P/OCF N/A
P/B 0.83
P/tB 0.83
EV/EBITDA N/A
EPS(TTM)12.6
EY8.36%
EPS(NY)11.92
Fwd EY7.9%
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 Number227.093 (50.59%)
Profitability
Industry RankSector 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 RankSector 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 3 / 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 11.97 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.