ROGALAND SPAREBANK (ROGS.OL) Stock Fundamental Analysis

OSL:ROGS • NO0006001007

146.5 NOK
-0.4 (-0.27%)
Last: Feb 13, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

2

Overall ROGS gets a fundamental rating of 2 out of 10. We evaluated ROGS against 114 industry peers in the Banks industry. ROGS has a bad profitability rating. Also its financial health evaluation is rather negative. ROGS is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • ROGS had positive earnings in the past year.
  • In the past year ROGS had a positive cash flow from operations.
  • ROGS had positive earnings in each of the past 5 years.
  • In the past 5 years ROGS reported 4 times 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 0 500M -500M -1B

1.2 Ratios

  • ROGS has a Return On Assets of 0.71%. This is comparable to the rest of the industry: ROGS outperforms 43.86% of its industry peers.
  • The Return On Equity of ROGS (6.86%) is worse than 70.18% of its industry peers.
Industry RankSector 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
ROGS.OL Yearly ROA, ROE, ROICROGS.OL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6

1.3 Margins

  • The Profit Margin of ROGS (29.69%) is better than 75.44% 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 RankSector 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
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 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

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
  • The debt/assets ratio for ROGS has been reduced compared to a year ago.
ROGS.OL Yearly Shares OutstandingROGS.OL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 10B 20B 30B

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.
  • ROGS has a Debt to FCF ratio (178.70) which is in line with its industry peers.
  • ROGS has a Debt/Equity ratio of 4.41. This is a high value indicating a heavy dependency on external financing.
  • ROGS has a worse Debt to Equity ratio (4.41) than 87.72% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.41
Debt/FCF 178.7
Altman-Z N/A
ROIC/WACCN/A
WACC6.25%
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 0 5B 10B 15B

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 50M 100M 150M

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

3

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.
  • The Revenue for ROGS has decreased by -12.16% 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 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

  • ROGS is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -3.85% yearly.
  • ROGS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.59% yearly.
EPS Next Y-3.67%
EPS Next 2Y-7.26%
EPS Next 3Y-3.47%
EPS Next 5Y-3.85%
Revenue Next Year5.8%
Revenue Next 2Y2.81%
Revenue Next 3Y3.17%
Revenue Next 5Y1.59%

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.
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

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3

4. Valuation

4.1 Price/Earnings Ratio

  • ROGS is valuated reasonably with a Price/Earnings ratio of 11.45.
  • ROGS's Price/Earnings is on the same level as the industry average.
  • When comparing the Price/Earnings ratio of ROGS to the average of the S&P500 Index (27.97), we can say ROGS is valued rather cheaply.
  • A Price/Forward Earnings ratio of 12.90 indicates a correct valuation of ROGS.
  • 71.93% of the companies in the same industry are cheaper than ROGS, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.96, ROGS is valued rather cheaply.
Industry RankSector Rank
PE 11.45
Fwd PE 12.9
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

  • 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 RankSector Rank
P/FCF 33.98
EV/EBITDA N/A
ROGS.OL Per share dataROGS.OL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

4.3 Compensation for Growth

  • A cheap valuation may be justified as ROGS's earnings are expected to decrease with -3.47% in the coming years.
PEG (NY)N/A
PEG (5Y)1.06
EPS Next 2Y-7.26%
EPS Next 3Y-3.47%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 7.96%, ROGS is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.26, ROGS pays a better dividend. On top of this ROGS pays more dividend than 94.74% of the companies listed in the same industry.
  • ROGS's Dividend Yield is rather good when compared to the S&P500 average which is at 1.84.
Industry RankSector Rank
Dividend Yield 7.96%

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.
  • ROGS's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP115.74%
EPS Next 2Y-7.26%
EPS Next 3Y-3.47%
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 0 500M -500M -1B
ROGS.OL Dividend Payout.ROGS.OL Dividend Payout, showing the Payout Ratio.ROGS.OL Dividend Payout.PayoutRetained Earnings

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ROGALAND SPAREBANK

OSL:ROGS (2/13/2026, 7:00:00 PM)

146.5

-0.4 (-0.27%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-10
Earnings (Next)05-06
Inst Owners28.04%
Inst Owner ChangeN/A
Ins Owners4.24%
Ins Owner ChangeN/A
Market Cap3.67B
Revenue(TTM)1.01B
Net Income(TTM)300.12M
Analysts77.78
Price Target153 (4.44%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.96%
Yearly Dividend11.09
Dividend Growth(5Y)16.29%
DP115.74%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.04%
Min EPS beat(2)-14.71%
Max EPS beat(2)10.63%
EPS beat(4)3
Avg EPS beat(4)9.58%
Min EPS beat(4)-14.71%
Max EPS beat(4)34.1%
EPS beat(8)5
Avg EPS beat(8)12.05%
EPS beat(12)6
Avg EPS beat(12)8.65%
EPS beat(16)9
Avg EPS beat(16)8.84%
Revenue beat(2)0
Avg Revenue beat(2)-2.43%
Min Revenue beat(2)-4.17%
Max Revenue beat(2)-0.69%
Revenue beat(4)1
Avg Revenue beat(4)-0.89%
Min Revenue beat(4)-6.12%
Max Revenue beat(4)7.42%
Revenue beat(8)3
Avg Revenue beat(8)2.36%
Revenue beat(12)5
Avg Revenue beat(12)2.84%
Revenue beat(16)8
Avg Revenue beat(16)4.16%
PT rev (1m)1.69%
PT rev (3m)1.69%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-1.5%
EPS NY rev (3m)-1.5%
Revenue NQ rev (1m)-1.56%
Revenue NQ rev (3m)-2.38%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.1%
Valuation
Industry RankSector Rank
PE 11.45
Fwd PE 12.9
P/S 3.63
P/FCF 33.98
P/OCF 33.51
P/B 0.84
P/tB 0.84
EV/EBITDA N/A
EPS(TTM)12.8
EY8.74%
EPS(NY)11.35
Fwd EY7.75%
FCF(TTM)4.31
FCFY2.94%
OCF(TTM)4.37
OCFY2.98%
SpS40.39
BVpS174.7
TBVpS174.66
PEG (NY)N/A
PEG (5Y)1.06
Graham Number224.31
Profitability
Industry RankSector Rank
ROA 0.71%
ROE 6.86%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.69%
GM N/A
FCFM 10.67%
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
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 3Y0.15%
PM growth 5Y0.02%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 4.41
Debt/FCF 178.7
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.15%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 35.95%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC6.25%
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)0%
EPS 3Y15.8%
EPS 5Y10.81%
EPS Q2Q%-23.68%
EPS Next Y-3.67%
EPS Next 2Y-7.26%
EPS Next 3Y-3.47%
EPS Next 5Y-3.85%
Revenue 1Y (TTM)-12.16%
Revenue growth 3Y16.73%
Revenue growth 5Y9.48%
Sales Q2Q%-20.82%
Revenue Next Year5.8%
Revenue Next 2Y2.81%
Revenue Next 3Y3.17%
Revenue Next 5Y1.59%
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 1Y199.41%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y201.05%
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 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.


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%.