ROGALAND SPAREBANK (ROGS.OL) Stock Fundamental Analysis
Europe - OSL:ROGS - NO0006001007 - Common Stock
140.88 NOK
-3.12 (-2.17%)
We assign a fundamental rating of 3 out of 10 to ROGS. ROGS was compared to 99 industry peers in the Banks industry. ROGS has a bad profitability rating. Also its financial health evaluation is rather negative. ROGS is valied quite expensively at the moment, while it does show a decent growth rate. ROGS also has an excellent dividend rating.
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.
In the past 5 years ROGS reported 4 times negative operating cash flow.
1.2 Ratios
ROGS has a Return On Assets of 0.77%. This is comparable to the rest of the industry: ROGS outperforms 55.56% of its industry peers.
With a Return On Equity value of 7.77%, ROGS is not doing good in the industry: 60.61% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.77% | ||
| ROE | 7.77% | ||
| 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 (25.67%) is better than 67.68% of its industry peers.
In the last couple of years the Profit Margin of ROGS has remained more or less at the same level.
ROGS does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25.67% | ||
| 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
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.
Compared to 5 years ago, ROGS has about the same amount of shares outstanding.
Compared to 1 year ago, ROGS has an improved debt to assets ratio.
2.2 Solvency
A Debt/Equity ratio of 4.69 is on the high side and indicates that ROGS has dependencies on debt financing.
The Debt to Equity ratio of ROGS (4.69) is worse than 87.88% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.69 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.03%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
ROGS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.10%, which is quite good.
Measured over the past years, ROGS shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.81% on average per year.
The Revenue has grown by 25.25% in the past year. This is a very strong growth!
ROGS shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.48% yearly.
EPS 1Y (TTM)16.1%
EPS 3Y15.8%
EPS 5Y10.81%
EPS Q2Q%-9.76%
Revenue 1Y (TTM)25.25%
Revenue growth 3Y16.73%
Revenue growth 5Y9.48%
Sales Q2Q%16.6%
3.2 Future
The Earnings Per Share is expected to decrease by -2.05% on average over the next years.
The Revenue is expected to grow by 3.01% 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 Year5.7%
Revenue Next 2Y2.41%
Revenue Next 3Y3.01%
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
With a Price/Earnings ratio of 10.28, the valuation of ROGS can be described as very reasonable.
The rest of the industry has a similar Price/Earnings ratio as ROGS.
ROGS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.91.
With a Price/Forward Earnings ratio of 11.88, the valuation of ROGS can be described as very reasonable.
Based on the Price/Forward Earnings ratio, ROGS is valued a bit more expensive than the industry average as 73.74% of the companies are valued more cheaply.
When comparing the Price/Forward Earnings ratio of ROGS to the average of the S&P500 Index (22.92), we can say ROGS is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.28 | ||
| Fwd PE | 11.88 |
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)0.95
EPS Next 2Y-5.23%
EPS Next 3Y-2.05%
5. Dividend
5.1 Amount
ROGS has a Yearly Dividend Yield of 6.82%, which is a nice return.
ROGS's Dividend Yield is rather good when compared to the industry average which is at 4.86. ROGS pays more dividend than 85.86% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.34, ROGS pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.82% |
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
ROGS pays out 77.57% of its income as dividend. 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.
DP77.57%
EPS Next 2Y-5.23%
EPS Next 3Y-2.05%
OSL:ROGS (10/24/2025, 7:00:00 PM)
140.88
-3.12 (-2.17%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners28.04%
Inst Owner ChangeN/A
Ins Owners4.29%
Ins Owner ChangeN/A
Market Cap3.53B
Revenue(TTM)985.41M
Net Income(TTM)317.00M
Analysts77.78
Price Target150.45 (6.79%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.82% |
Yearly Dividend11.09
Dividend Growth(5Y)16.3%
DP77.57%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)21.2%
Min EPS beat(2)8.29%
Max EPS beat(2)34.1%
EPS beat(4)4
Avg EPS beat(4)27.56%
Min EPS beat(4)4.22%
Max EPS beat(4)63.64%
EPS beat(8)5
Avg EPS beat(8)17.39%
EPS beat(12)6
Avg EPS beat(12)8.44%
EPS beat(16)9
Avg EPS beat(16)10.5%
Revenue beat(2)1
Avg Revenue beat(2)0.65%
Min Revenue beat(2)-6.12%
Max Revenue beat(2)7.42%
Revenue beat(4)3
Avg Revenue beat(4)6.86%
Min Revenue beat(4)-6.12%
Max Revenue beat(4)22.35%
Revenue beat(8)5
Avg Revenue beat(8)6.4%
Revenue beat(12)6
Avg Revenue beat(12)5.3%
Revenue beat(16)10
Avg Revenue beat(16)5.01%
PT rev (1m)0%
PT rev (3m)2.79%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-3.97%
EPS NY rev (3m)4.88%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.12%
Revenue NY rev (1m)1.68%
Revenue NY rev (3m)2.09%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.28 | ||
| Fwd PE | 11.88 | ||
| P/S | 2.86 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.86 | ||
| P/tB | 0.86 | ||
| EV/EBITDA | N/A |
EPS(TTM)13.7
EY9.72%
EPS(NY)11.86
Fwd EY8.42%
FCF(TTM)-47.24
FCFYN/A
OCF(TTM)-47.18
OCFYN/A
SpS49.33
BVpS163
TBVpS162.97
PEG (NY)N/A
PEG (5Y)0.95
Graham Number224.16
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.77% | ||
| ROE | 7.77% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.67% | ||
| 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
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 3Y0.14%
PM growth 5Y0.01%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.69 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.11% | ||
| 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
WACC6.03%
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)16.1%
EPS 3Y15.8%
EPS 5Y10.81%
EPS Q2Q%-9.76%
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%16.6%
Revenue Next Year5.7%
Revenue Next 2Y2.41%
Revenue Next 3Y3.01%
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-34.91%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-34.77%
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.
Can you provide the valuation status for ROGALAND SPAREBANK?
ChartMill assigns a valuation rating of 3 / 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.
Can you provide the financial health for ROGS stock?
The financial health rating of ROGALAND SPAREBANK (ROGS.OL) is 1 / 10.
What is the expected EPS growth for ROGALAND SPAREBANK (ROGS.OL) stock?
The Earnings per Share (EPS) of ROGALAND SPAREBANK (ROGS.OL) is expected to decline by -2.2% in the next year.