ROGALAND SPAREBANK(OSL:ROGS) stock Fundamental Analysis

Fundamental Rating

Overall ROGS gets a fundamental rating of 3 out of 10. We evaluated ROGS against 95 industry peers in the Banks industry. ROGS may be in some trouble as it scores bad on both profitability and health. ROGS is valied quite expensively at the moment, while it does show a decent growth rate. ROGS also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year ROGS was profitable.

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

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 has a Return On Assets (0.86%) which is in line with its industry peers.

ROGS has a Return On Equity of 8.02%. This is comparable to the rest of the industry: ROGS outperforms 46.32% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.86%
ROE	8.02%
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

Looking at the Profit Margin, with a value of 28.86%, ROGS is in the better half of the industry, outperforming 77.89% 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)	28.86%
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.

ROGS has more shares outstanding than it did 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

A Debt/Equity ratio of 4.14 is on the high side and indicates that ROGS has dependencies on debt financing.

Looking at the Debt to Equity ratio, with a value of 4.14, ROGS is doing worse than 81.05% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	4.14
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

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Altman-Z score

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3. Growth

3.1 Past

ROGS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 32.00%, which is quite impressive.

The Earnings Per Share has been growing by 10.81% on average over the past years. This is quite good.

The Revenue has grown by 51.05% in the past year. This is a very strong growth!

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)32%

EPS 3Y15.8%

EPS 5Y10.81%

EPS Q2Q%19.05%

Revenue 1Y (TTM)51.05%

Revenue growth 3Y16.73%

Revenue growth 5Y9.48%

Sales Q2Q%17.87%

3.2 Future

ROGS is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -2.27% yearly.

ROGS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.96% yearly.

EPS Next Y-6.75%

EPS Next 2Y-5.3%

EPS Next 3Y-2.27%

EPS Next 5YN/A

Revenue Next Year2.88%

Revenue Next 2Y2%

Revenue Next 3Y1.96%

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.

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4. Valuation

4.1 Price/Earnings Ratio

ROGS is valuated reasonably with a Price/Earnings ratio of 9.86.

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 28.10.

The Price/Forward Earnings ratio is 10.58, which indicates a very decent valuation of ROGS.

ROGS's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. ROGS is more expensive than 62.11% of the companies in the same industry.

When comparing the Price/Forward Earnings ratio of ROGS to the average of the S&P500 Index (20.74), we can say ROGS is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	9.86
Fwd PE	10.58

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 -2.27% in the coming years. This may justify a cheaper valuation.

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

With a Yearly Dividend Yield of 7.37%, ROGS is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 5.30, ROGS pays a better dividend. On top of this ROGS pays more dividend than 86.32% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.43, ROGS pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	7.37%

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

71.05% 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.

DP71.05%

EPS Next 2Y-5.3%

EPS Next 3Y-2.27%

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ROGALAND SPAREBANK

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

130.2

+0.2 (+0.15%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-12 2025-02-12/bmo

Earnings (Next)05-08 2025-05-08

Inst Owners30.64%

Inst Owner ChangeN/A

Ins Owners6.82%

Ins Owner ChangeN/A

Market Cap3.26B

Analysts80

Price Target145.52 (11.77%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.37%

Yearly Dividend11.09

Dividend Growth(5Y)16.29%

DP71.05%

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)0.71%

PT rev (3m)1.18%

EPS NQ rev (1m)-14.15%

EPS NQ rev (3m)N/A

EPS NY rev (1m)1.49%

EPS NY rev (3m)0.42%

Revenue NQ rev (1m)0.34%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0.82%

Revenue NY rev (3m)-2%

Valuation

		Industry Rank	Sector Rank
PE	9.86
Fwd PE	10.58
P/S	2.74
P/FCF	N/A
P/OCF	N/A
P/B	0.76
P/tB	0.76
EV/EBITDA	N/A

EPS(TTM)13.2

EY10.14%

EPS(NY)12.31

Fwd EY9.45%

FCF(TTM)-20.26

FCFYN/A

OCF(TTM)-20.23

OCFYN/A

SpS47.48

BVpS170.8

TBVpS170.58

PEG (NY)N/A

PEG (5Y)0.91

Profitability

		Industry Rank	Sector Rank
ROA	0.86%
ROE	8.02%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	28.86%
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-Score7

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-Score7

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)32%

EPS 3Y15.8%

EPS 5Y10.81%

EPS Q2Q%19.05%

EPS Next Y-6.75%

EPS Next 2Y-5.3%

EPS Next 3Y-2.27%

EPS Next 5YN/A

Revenue 1Y (TTM)51.05%

Revenue growth 3Y16.73%

Revenue growth 5Y9.48%

Sales Q2Q%17.87%

Revenue Next Year2.88%

Revenue Next 2Y2%

Revenue Next 3Y1.96%

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-262.73%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-264.21%

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