ROGS Fundamental Analysis - ROGALAND SPAREBANK

Fundamental Rating

Taking everything into account, ROGS scores 3 out of 10 in our fundamental rating. ROGS was compared to 97 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. Finally 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.

In the past year ROGS has reported a negative 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

ROGS's Return On Assets of 0.77% is in line compared to the rest of the industry. ROGS outperforms 55.67% of its industry peers.

ROGS's Return On Equity of 7.76% is on the low side compared to the rest of the industry. ROGS is outperformed by 60.82% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.77%
ROE	7.76%
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 25.65%, ROGS is doing good in the industry, outperforming 68.04% of the companies in the same industry.

ROGS's Profit Margin has been stable in the last couple of years.

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)	25.65%
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

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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.

Compared to 5 years ago, ROGS has less shares outstanding

ROGS has a better debt/assets ratio than last year.

2.2 Solvency

ROGS has a Debt/Equity ratio of 4.69. This is a high value indicating a heavy dependency on external financing.

With a Debt to Equity ratio value of 4.69, ROGS is not doing good in the industry: 87.63% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	4.69
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.95%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 16.10% over the past year.

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.

Looking at the last year, ROGS shows a very strong growth in Revenue. The Revenue has grown by 25.25%.

The Revenue has been growing by 9.48% on average over the past years. This is quite good.

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

ROGS is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -2.05% yearly.

ROGS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.01% yearly.

EPS Next Y-2.2%

EPS Next 2Y-5.23%

EPS Next 3Y-2.05%

EPS Next 5YN/A

Revenue Next Year3.94%

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.

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4. Valuation

4.1 Price/Earnings Ratio

ROGS is valuated reasonably with a Price/Earnings ratio of 10.51.

ROGS's Price/Earnings is on the same level as the industry average.

ROGS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.67.

Based on the Price/Forward Earnings ratio of 12.15, the valuation of ROGS can be described as correct.

73.20% of the companies in the same industry are cheaper than ROGS, based on the Price/Forward Earnings ratio.

The average S&P500 Price/Forward Earnings ratio is at 23.13. ROGS is valued slightly cheaper when compared to this.

		Industry Rank	Sector Rank
PE	10.51
Fwd PE	12.15

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 -2.05% in the coming years.

PEG (NY)N/A

PEG (5Y)0.97

EPS Next 2Y-5.23%

EPS Next 3Y-2.05%

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5. Dividend

5.1 Amount

ROGS has a Yearly Dividend Yield of 6.69%, which is a nice return.

ROGS's Dividend Yield is rather good when compared to the industry average which is at 5.02. ROGS pays more dividend than 87.63% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.41, ROGS pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	6.69%

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

ROGS pays out 77.56% of its income as dividend. 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.

DP77.56%

EPS Next 2Y-5.23%

EPS Next 3Y-2.05%

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ROGALAND SPAREBANK

OSL:ROGS (9/29/2025, 7:00:00 PM)

144

+2 (+1.41%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)08-13 2025-08-13/bmo

Earnings (Next)11-06 2025-11-06

Inst Owners28.04%

Inst Owner ChangeN/A

Ins Owners4.29%

Ins Owner ChangeN/A

Market Cap3.60B

Analysts77.78

Price Target150.45 (4.48%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.69%

Yearly Dividend11.09

Dividend Growth(5Y)16.29%

DP77.56%

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)-5.06%

EPS NY rev (1m)-3.97%

EPS NY rev (3m)4.88%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)1.68%

Revenue NY rev (1m)-2.04%

Revenue NY rev (3m)0.4%

Valuation

		Industry Rank	Sector Rank
PE	10.51
Fwd PE	12.15
P/S	2.92
P/FCF	N/A
P/OCF	N/A
P/B	0.88
P/tB	0.88
EV/EBITDA	N/A

EPS(TTM)13.7

EY9.51%

EPS(NY)11.86

Fwd EY8.23%

FCF(TTM)-47.25

FCFYN/A

OCF(TTM)-47.2

OCFYN/A

SpS49.33

BVpS163.03

TBVpS163

PEG (NY)N/A

PEG (5Y)0.97

Profitability

		Industry Rank	Sector Rank
ROA	0.77%
ROE	7.76%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	25.65%
GM	N/A
FCFM	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

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 3Y0.15%

PM growth 5Y0.02%

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

WACC5.95%

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 Year3.94%

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-34.95%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-34.8%

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

More info and screens