ROGALAND SPAREBANK(OSL:ROGS) stock Fundamental Analysis

Fundamental Rating

ROGS gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 92 industry peers in the Banks industry. ROGS may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, ROGS is valued expensive at the moment. ROGS also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

ROGS had positive earnings in the past year.

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

In the past 5 years ROGS has always been profitable.

ROGS had negative operating cash flow in 4 of the past 5 years.

1.2 Ratios

The Return On Assets of ROGS (0.73%) is comparable to the rest of the industry.

ROGS has a Return On Equity of 6.74%. This is in the lower half of the industry: ROGS underperforms 67.39% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.73%
ROE	6.74%
ROIC	N/A

ROA(3y)0.62%

ROA(5y)0.6%

ROE(3y)5.82%

ROE(5y)5.77%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin of ROGS (24.23%) is better than 64.13% of its industry peers.

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 Rank	Sector Rank
OM	N/A
PM (TTM)	24.23%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y0.14%

PM growth 5Y0.01%

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.

The number of shares outstanding for ROGS has been increased compared to 1 year ago.

The number of shares outstanding for ROGS remains at a similar level 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 4.14. This is a high value indicating a heavy dependency on external financing.

ROGS has a Debt to Equity ratio of 4.14. This is amonst the worse of the industry: ROGS underperforms 82.61% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	4.14
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.96%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 30.56% over the past year.

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%.

Measured over the past years, ROGS shows a quite strong growth in Revenue. The Revenue has been growing by 9.48% on average per year.

EPS 1Y (TTM)30.56%

EPS 3Y15.8%

EPS 5Y10.81%

EPS Q2Q%32.14%

Revenue 1Y (TTM)25.25%

Revenue growth 3Y16.73%

Revenue growth 5Y9.48%

Sales Q2Q%22.77%

3.2 Future

Based on estimates for the next years, ROGS will show a decrease in Earnings Per Share. The EPS will decrease by -2.27% on average per year.

The Revenue is expected to grow by 2.29% on average over the next years.

EPS Next Y-6.75%

EPS Next 2Y-5.3%

EPS Next 3Y-2.27%

EPS Next 5YN/A

Revenue Next Year3.53%

Revenue Next 2Y2.36%

Revenue Next 3Y2.29%

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 9.86, which indicates a very decent valuation of ROGS.

60.87% of the companies in the same industry are cheaper than ROGS, based on the Price/Earnings ratio.

The average S&P500 Price/Earnings ratio is at 26.20. ROGS is valued rather cheaply when compared to this.

A Price/Forward Earnings ratio of 11.74 indicates a reasonable valuation of ROGS.

70.65% of the companies in the same industry are cheaper than ROGS, based on the Price/Forward Earnings ratio.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.13, ROGS is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	9.86
Fwd PE	11.74

4.2 Price Multiples

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

4.3 Compensation for Growth

A cheap valuation may be justified as ROGS's earnings are expected to decrease with -2.27% in the coming years.

PEG (NY)N/A

PEG (5Y)0.91

EPS Next 2Y-5.3%

EPS Next 3Y-2.27%

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5. Dividend

5.1 Amount

ROGS has a Yearly Dividend Yield of 7.06%, which is a nice return.

ROGS's Dividend Yield is rather good when compared to the industry average which is at 5.03. ROGS pays more dividend than 85.87% of the companies in the same industry.

ROGS's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.

		Industry Rank	Sector Rank
Dividend Yield	7.06%

5.2 History

The dividend of ROGS is nicely growing with an annual growth rate of 16.30%!

Dividend Growth(5Y)16.3%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

84.72% 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.

DP84.72%

EPS Next 2Y-5.3%

EPS Next 3Y-2.27%

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ROGALAND SPAREBANK

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

138.98

+1.38 (+1%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)05-08 2025-05-08/bmo

Earnings (Next)08-13 2025-08-13

Inst Owners30.64%

Inst Owner ChangeN/A

Ins Owners6.82%

Ins Owner ChangeN/A

Market Cap3.48B

Analysts80

Price Target145.52 (4.71%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.06%

Yearly Dividend11.09

Dividend Growth(5Y)16.3%

DP84.72%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)35.96%

Min EPS beat(2)8.29%

Max EPS beat(2)63.64%

EPS beat(4)3

Avg EPS beat(4)18.46%

Min EPS beat(4)-2.31%

Max EPS beat(4)63.64%

EPS beat(8)4

Avg EPS beat(8)12.88%

EPS beat(12)6

Avg EPS beat(12)7.16%

EPS beat(16)9

Avg EPS beat(16)10.67%

Revenue beat(2)1

Avg Revenue beat(2)8.11%

Min Revenue beat(2)-6.12%

Max Revenue beat(2)22.35%

Revenue beat(4)2

Avg Revenue beat(4)4.29%

Min Revenue beat(4)-6.12%

Max Revenue beat(4)22.35%

Revenue beat(8)4

Avg Revenue beat(8)5.19%

Revenue beat(12)6

Avg Revenue beat(12)5.28%

Revenue beat(16)10

Avg Revenue beat(16)4.56%

PT rev (1m)0%

PT rev (3m)0.71%

EPS NQ rev (1m)-13.02%

EPS NQ rev (3m)N/A

EPS NY rev (1m)0%

EPS NY rev (3m)1.34%

Revenue NQ rev (1m)0.34%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0.63%

Revenue NY rev (3m)0.3%

Valuation

		Industry Rank	Sector Rank
PE	9.86
Fwd PE	11.74
P/S	2.93
P/FCF	N/A
P/OCF	N/A
P/B	0.81
P/tB	0.81
EV/EBITDA	N/A

EPS(TTM)14.1

EY10.15%

EPS(NY)11.84

Fwd EY8.52%

FCF(TTM)-20.24

FCFYN/A

OCF(TTM)-20.22

OCFYN/A

SpS47.48

BVpS170.8

TBVpS170.58

PEG (NY)N/A

PEG (5Y)0.91

Profitability

		Industry Rank	Sector Rank
ROA	0.73%
ROE	6.74%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	24.23%
GM	N/A
FCFM	N/A

ROA(3y)0.62%

ROA(5y)0.6%

ROE(3y)5.82%

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 3Y0.14%

PM growth 5Y0.01%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	4.14
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	0.06%
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-Score6

WACC5.96%

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)30.56%

EPS 3Y15.8%

EPS 5Y10.81%

EPS Q2Q%32.14%

EPS Next Y-6.75%

EPS Next 2Y-5.3%

EPS Next 3Y-2.27%

EPS Next 5YN/A

Revenue 1Y (TTM)25.25%

Revenue growth 3Y16.73%

Revenue growth 5Y9.48%

Sales Q2Q%22.77%

Revenue Next Year3.53%

Revenue Next 2Y2.36%

Revenue Next 3Y2.29%

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-262.55%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-264.03%

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

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