ROGALAND SPAREBANK (ROGS.OL) Stock Fundamental Analysis
Europe - OSL:ROGS - NO0006001007 - Common Stock
137.98 NOK
-0.02 (-0.01%)
Taking everything into account, ROGS scores 3 out of 10 in our fundamental rating. ROGS was compared to 95 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
ROGS had positive earnings in the past year.
In the past year ROGS has reported a negative cash flow from operations.
In the past 5 years ROGS has always been profitable.
ROGS had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
The Return On Assets of ROGS (0.77%) is comparable to the rest of the industry.
ROGS has a Return On Equity of 7.77%. This is in the lower half of the industry: ROGS underperforms 65.26% of its industry peers.
| 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
ROGS has a better Profit Margin (25.67%) than 65.26% of its industry peers.
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) | 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.
The number of shares outstanding for ROGS remains at a similar level compared to 5 years ago.
The debt/assets ratio for ROGS has been reduced compared to a year ago.
2.2 Solvency
A Debt/Equity ratio of 4.69 is on the high side and indicates that ROGS has dependencies on debt financing.
ROGS has a Debt to Equity ratio of 4.69. This is amonst the worse of the industry: ROGS underperforms 86.32% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.69 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.89%
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.
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 has grown by 25.25% 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)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.
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 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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
ROGS is valuated reasonably with a Price/Earnings ratio of 10.07.
The rest of the industry has a similar Price/Earnings ratio as ROGS.
ROGS is valuated cheaply when we compare the Price/Earnings ratio to 25.83, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 11.64 indicates a reasonable valuation of ROGS.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ROGS indicates a slightly more expensive valuation: ROGS is more expensive than 70.53% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 32.68. ROGS is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.07 | ||
| Fwd PE | 11.64 |
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)0.93
EPS Next 2Y-5.23%
EPS Next 3Y-2.05%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.83%, ROGS is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.84, ROGS pays a better dividend. On top of this ROGS pays more dividend than 83.16% 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 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.83% |
5.2 History
On average, the dividend of ROGS grows each year by 16.30%, which is quite nice.
Dividend Growth(5Y)16.3%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
77.57% 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.
DP77.57%
EPS Next 2Y-5.23%
EPS Next 3Y-2.05%
OSL:ROGS (11/7/2025, 7:00:00 PM)
137.98
-0.02 (-0.01%)
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 Cap3.45B
Revenue(TTM)985.41M
Net Income(TTM)317.00M
Analysts77.78
Price Target150.45 (9.04%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.83% |
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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)4.88%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.07 | ||
| Fwd PE | 11.64 | ||
| P/S | 2.8 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.85 | ||
| P/tB | 0.85 | ||
| EV/EBITDA | N/A |
EPS(TTM)13.7
EY9.93%
EPS(NY)11.86
Fwd EY8.59%
FCF(TTM)-47.24
FCFYN/A
OCF(TTM)-47.18
OCFYN/A
SpS49.33
BVpS163
TBVpS162.97
PEG (NY)N/A
PEG (5Y)0.93
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
WACC5.89%
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.