AURSKOG SPAREBANK(OSL:AURG) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, AURG scores 2 out of 10 in our fundamental rating. AURG was compared to 99 industry peers in the Banks industry. AURG has a bad profitability rating. Also its financial health evaluation is rather negative. AURG is valied quite expensively at the moment, while it does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

AURG had positive earnings in the past year.

In the past year AURG has reported a negative cash flow from operations.

In the past 5 years AURG has always been profitable.

In the past 5 years AURG reported 4 times negative operating cash flow.

1.2 Ratios

The Return On Assets of AURG (0.48%) is worse than 65.59% of its industry peers.

Looking at the Return On Equity, with a value of 3.96%, AURG is doing worse than 74.19% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.48%
ROE	3.96%
ROIC	N/A

ROA(3y)0.48%

ROA(5y)0.43%

ROE(3y)3.91%

ROE(5y)3.55%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin of AURG (18.98%) is comparable to the rest of the industry.

In the last couple of years the Profit Margin of AURG has grown nicely.

AURG 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)	18.98%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y6.13%

PM growth 5Y3.7%

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

AURG does not have a ROIC to compare to the WACC, probably because it is not profitable.

AURG has about the same amout of shares outstanding than it did 1 year ago.

The number of shares outstanding for AURG has been increased compared to 5 years ago.

The debt/assets ratio for AURG is higher compared to a year ago.

2.2 Solvency

AURG has a Debt/Equity ratio of 2.30. This is a high value indicating a heavy dependency on external financing.

With a Debt to Equity ratio value of 2.30, AURG perfoms like the industry average, outperforming 47.31% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	2.3
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.37%

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

AURG shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.45%.

The Earnings Per Share has been growing by 14.04% on average over the past years. This is quite good.

Looking at the last year, AURG shows a quite strong growth in Revenue. The Revenue has grown by 8.55% in the last year.

Measured over the past years, AURG shows a quite strong growth in Revenue. The Revenue has been growing by 13.24% on average per year.

EPS 1Y (TTM)6.45%

EPS 3Y18.81%

EPS 5Y14.04%

EPS Q2Q%-2.27%

Revenue 1Y (TTM)8.55%

Revenue growth 3Y18.47%

Revenue growth 5Y13.24%

Sales Q2Q%14.4%

3.2 Future

Based on estimates for the next years, AURG will show a decrease in Earnings Per Share. The EPS will decrease by -1.67% on average per year.

The Revenue is expected to grow by 6.23% on average over the next years.

EPS Next Y-5.43%

EPS Next 2Y-1.67%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year4.67%

Revenue Next 2Y5.22%

Revenue Next 3Y6.23%

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.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.13, which indicates a correct valuation of AURG.

Compared to the rest of the industry, the Price/Earnings ratio of AURG indicates a slightly more expensive valuation: AURG is more expensive than 77.42% of the companies listed in the same industry.

The average S&P500 Price/Earnings ratio is at 29.35. AURG is valued rather cheaply when compared to this.

With a Price/Forward Earnings ratio of 12.67, AURG is valued correctly.

Compared to the rest of the industry, the Price/Forward Earnings ratio of AURG indicates a slightly more expensive valuation: AURG is more expensive than 74.19% of the companies listed in the same industry.

AURG's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.10.

		Industry Rank	Sector Rank
PE	12.13
Fwd PE	12.67

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.86

EPS Next 2Y-1.67%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.12%, AURG is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 5.06, AURG pays a bit more dividend than its industry peers.

AURG's Dividend Yield is rather good when compared to the S&P500 average which is at 2.33.

		Industry Rank	Sector Rank
Dividend Yield	6.12%

5.2 History

On average, the dividend of AURG grows each year by 14.91%, which is quite nice.

Dividend Growth(5Y)14.91%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

AURG pays out 74.85% of its income as dividend. This is not a sustainable payout ratio.

The Dividend Rate of AURG has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.

DP74.85%

EPS Next 2Y-1.67%

EPS Next 3YN/A

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AURSKOG SPAREBANK

OSL:AURG (3/7/2025, 7:00:00 PM)

243

-2.2 (-0.9%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-10 2025-02-10/amc

Earnings (Next)05-13 2025-05-13

Inst Owners4.45%

Inst Owner ChangeN/A

Ins Owners16.25%

Ins Owner ChangeN/A

Market Cap1.12B

Analysts37.78

Price Target229.5 (-5.56%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.12%

Yearly Dividend15

Dividend Growth(5Y)14.91%

DP74.85%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)2

Avg Revenue beat(2)7.76%

Min Revenue beat(2)3.53%

Max Revenue beat(2)11.99%

Revenue beat(4)3

Avg Revenue beat(4)6.22%

Min Revenue beat(4)-0.87%

Max Revenue beat(4)11.99%

Revenue beat(8)6

Avg Revenue beat(8)5.95%

Revenue beat(12)10

Avg Revenue beat(12)7.86%

Revenue beat(16)14

Avg Revenue beat(16)9.65%

PT rev (1m)6.13%

PT rev (3m)6.13%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)0%

EPS NY rev (3m)2.67%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)2.1%

Revenue NY rev (3m)2.1%

Valuation

		Industry Rank	Sector Rank
PE	12.13
Fwd PE	12.67
P/S	2.3
P/FCF	N/A
P/OCF	N/A
P/B	0.48
P/tB	0.48
EV/EBITDA	N/A

EPS(TTM)20.04

EY8.25%

EPS(NY)19.19

Fwd EY7.9%

FCF(TTM)-97.52

FCFYN/A

OCF(TTM)-95.66

OCFYN/A

SpS105.66

BVpS506.81

TBVpS506.81

PEG (NY)N/A

PEG (5Y)0.86

Profitability

		Industry Rank	Sector Rank
ROA	0.48%
ROE	3.96%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	18.98%
GM	N/A
FCFM	N/A

ROA(3y)0.48%

ROA(5y)0.43%

ROE(3y)3.91%

ROE(5y)3.55%

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 3Y6.13%

PM growth 5Y3.7%

GM growth 3YN/A

GM growth 5YN/A

F-Score1

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	2.3
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	1.76%
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-Score1

WACC5.37%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)0.66%

Cap/Sales(5y)0.7%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)6.45%

EPS 3Y18.81%

EPS 5Y14.04%

EPS Q2Q%-2.27%

EPS Next Y-5.43%

EPS Next 2Y-1.67%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)8.55%

Revenue growth 3Y18.47%

Revenue growth 5Y13.24%

Sales Q2Q%14.4%

Revenue Next Year4.67%

Revenue Next 2Y5.22%

Revenue Next 3Y6.23%

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-154.04%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-150.02%

OCF growth 3YN/A

OCF growth 5YN/A

AURSKOG SPAREBANK (AURG.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