ROGALAND SPAREBANK (ROGS.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:ROGS - NO0006001007 - Common Stock
139 NOK
+0.48 (+0.35%)
ROGS gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 111 industry peers in the Banks industry. ROGS may be in some trouble as it scores bad on both profitability and health. ROGS is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- In the past year ROGS was profitable.
- In the past year ROGS had a positive cash flow from operations.
- Each year in the past 5 years ROGS has been profitable.
- ROGS had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
- With a Return On Assets value of 0.71%, ROGS perfoms like the industry average, outperforming 45.95% of the companies in the same industry.
- The Return On Equity of ROGS (6.86%) is worse than 67.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.71% | ||
| ROE | 6.86% | ||
| 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 29.69%, ROGS is doing good in the industry, outperforming 76.58% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 29.69% | ||
| 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
- The number of shares outstanding for ROGS has been reduced compared to 5 years ago.
- The debt/assets ratio for ROGS has been reduced compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of ROGS is 178.70, which is on the high side as it means it would take ROGS, 178.70 years of fcf income to pay off all of its debts.
- The Debt to FCF ratio of ROGS (178.70) is comparable to the rest of the industry.
- A Debt/Equity ratio of 4.41 is on the high side and indicates that ROGS has dependencies on debt financing.
- ROGS's Debt to Equity ratio of 4.41 is on the low side compared to the rest of the industry. ROGS is outperformed by 88.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.41 | ||
| Debt/FCF | 178.7 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.16%
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.
- ROGS shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -12.16%.
- 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)0%
EPS 3Y15.8%
EPS 5Y10.81%
EPS Q2Q%-23.68%
Revenue 1Y (TTM)-12.16%
Revenue growth 3Y16.73%
Revenue growth 5Y9.48%
Sales Q2Q%-20.82%
3.2 Future
- Based on estimates for the next years, ROGS will show a decrease in Earnings Per Share. The EPS will decrease by -2.05% on average per year.
- 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
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- 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
- A Price/Earnings ratio of 10.86 indicates a reasonable valuation of ROGS.
- Based on the Price/Earnings ratio, ROGS is valued a bit cheaper than the industry average as 63.96% of the companies are valued more expensively.
- When comparing the Price/Earnings ratio of ROGS to the average of the S&P500 Index (27.21), we can say ROGS is valued rather cheaply.
- With a Price/Forward Earnings ratio of 11.72, the valuation of ROGS can be described as very reasonable.
- ROGS's Price/Forward Earnings ratio is in line with the industry average.
- ROGS is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.26, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.86 | ||
| Fwd PE | 11.72 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of ROGS is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 32.24 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- A cheap valuation may be justified as ROGS's earnings are expected to decrease with -2.05% in the coming years.
PEG (NY)N/A
PEG (5Y)1
EPS Next 2Y-5.23%
EPS Next 3Y-2.05%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 6.64%, ROGS is a good candidate for dividend investing.
- ROGS's Dividend Yield is rather good when compared to the industry average which is at 4.03. ROGS pays more dividend than 87.39% of the companies in the same industry.
- ROGS's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.64% |
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
- 115.74% 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.
DP115.74%
EPS Next 2Y-5.23%
EPS Next 3Y-2.05%
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 115.74%.