ROGALAND SPAREBANK (ROGS.OL) Fundamental Analysis & Valuation

OSL:ROGS • NO0006001007

153.98 NOK
+3.24 (+2.15%)
Last: Mar 10, 2026, 03:12 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership

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

Fundamental Rating

2

Overall ROGS gets a fundamental rating of 2 out of 10. We evaluated ROGS against 116 industry peers in the Banks industry. ROGS may be in some trouble as it scores bad on both profitability and health. ROGS does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

2

1. ROGS.OL Profitability Analysis

1.1 Basic Checks

  • In the past year ROGS was profitable.
  • In the past year ROGS has reported a negative cash flow from operations.
  • ROGS had positive earnings in each of the past 5 years.
  • 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

  • Looking at the Return On Assets, with a value of 0.68%, ROGS is in line with its industry, outperforming 43.97% of the companies in the same industry.
  • ROGS has a Return On Equity of 6.58%. This is in the lower half of the industry: ROGS underperforms 71.55% of its industry peers.
Industry RankSector Rank
ROA 0.68%
ROE 6.58%
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

  • ROGS's Profit Margin of 28.62% is fine compared to the rest of the industry. ROGS outperforms 73.28% 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 RankSector Rank
OM N/A
PM (TTM) 28.62%
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

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
  • Compared to 1 year ago, ROGS has a worse debt to assets ratio.
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.
  • ROGS has a Debt to Equity ratio of 4.48. This is amonst the worse of the industry: ROGS underperforms 90.52% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.48
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC6.19%
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

More info and screens

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

3

3. ROGS.OL Growth Analysis

3.1 Past

  • The earnings per share for ROGS have decreased by -4.55% in the last year.
  • ROGS shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.79% yearly.
  • The Revenue for ROGS has decreased by -11.88% in the past year. This is quite bad
  • Measured over the past years, ROGS shows a quite strong growth in Revenue. The Revenue has been growing by 11.26% on average per year.
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

  • Based on estimates for the next years, ROGS will show a decrease in Earnings Per Share. The EPS will decrease by -2.87% on average per year.
  • ROGS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.00% yearly.
EPS Next Y-8.74%
EPS Next 2Y-3.35%
EPS Next 3Y-2.87%
EPS Next 5YN/A
Revenue Next Year0.62%
Revenue Next 2Y2.48%
Revenue Next 3Y4%
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.
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

More info and screens

Find the best growth stocksShow best growing peers

2

4. ROGS.OL Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 12.22, the valuation of ROGS can be described as correct.
  • Based on the Price/Earnings ratio, ROGS is valued a bit more expensive than 68.97% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of ROGS to the average of the S&P500 Index (26.25), we can say ROGS is valued rather cheaply.
  • ROGS is valuated correctly with a Price/Forward Earnings ratio of 13.39.
  • Based on the Price/Forward Earnings ratio, ROGS is valued a bit more expensive than 78.45% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 24.39. ROGS is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 12.22
Fwd PE 13.39
ROGS.OL Price Earnings VS Forward Price EarningsROGS.OL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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

  • A cheap valuation may be justified as ROGS's earnings are expected to decrease with -2.87% in the coming years.
PEG (NY)N/A
PEG (5Y)1.25
EPS Next 2Y-3.35%
EPS Next 3Y-2.87%

More info and screens

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 7.75%, ROGS is a good candidate for dividend investing.
  • ROGS's Dividend Yield is rather good when compared to the industry average which is at 4.56. ROGS pays more dividend than 91.38% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, ROGS pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.75%

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

  • 115.70% 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.
DP115.7%
EPS Next 2Y-3.35%
EPS Next 3Y-2.87%
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

More info and screens

Find the best dividend stocksShow peers with best dividend

ROGS.OL Fundamentals: All Metrics, Ratios and Statistics

ROGALAND SPAREBANK

OSL:ROGS (3/10/2026, 3:12:08 PM)

153.98

+3.24 (+2.15%)

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 Owners4.24%
Ins Owner ChangeN/A
Market Cap3.85B
Revenue(TTM)1.05B
Net Income(TTM)299.74M
Analysts77.78
Price Target152.49 (-0.97%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.75%
Yearly Dividend15.09
Dividend Growth(5Y)14.67%
DP115.7%
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)-0.33%
PT rev (3m)1.36%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)1.29%
EPS NY rev (3m)-3.01%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-2.69%
Revenue NY rev (3m)-2.69%
Valuation
Industry RankSector Rank
PE 12.22
Fwd PE 13.39
P/S 3.68
P/FCF N/A
P/OCF N/A
P/B 0.85
P/tB 0.85
EV/EBITDA N/A
EPS(TTM)12.6
EY8.18%
EPS(NY)11.5
Fwd EY7.47%
FCF(TTM)-65.23
FCFYN/A
OCF(TTM)-65.08
OCFYN/A
SpS41.84
BVpS181.91
TBVpS181.87
PEG (NY)N/A
PEG (5Y)1.25
Graham Number227.09
Profitability
Industry RankSector Rank
ROA 0.68%
ROE 6.58%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.62%
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
WACC6.19%
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-8.74%
EPS Next 2Y-3.35%
EPS Next 3Y-2.87%
EPS Next 5YN/A
Revenue 1Y (TTM)-11.88%
Revenue growth 3Y16.6%
Revenue growth 5Y11.26%
Sales Q2Q%5.87%
Revenue Next Year0.62%
Revenue Next 2Y2.48%
Revenue Next 3Y4%
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 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 of ROGALAND SPAREBANK (ROGS.OL) stock?

ChartMill assigns a valuation rating of 2 / 10 to ROGALAND SPAREBANK (ROGS.OL). This can be considered as Overvalued.


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 0 / 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 115.7%.