ROGALAND SPAREBANK(OSL:ROGS) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, ROGS scores 3 out of 10 in our fundamental rating. ROGS was compared to 99 industry peers in the Banks industry. Both the profitability and financial health of ROGS have multiple concerns. ROGS is not valued too expensively and it also shows a decent growth rate. Finally ROGS also has an excellent dividend rating.

Quickly go to:

1. Profitability

1.1 Basic Checks

In the past year ROGS was profitable.

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

In the past 5 years ROGS has always been profitable.

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

1.2 Ratios

The Return On Assets of ROGS (0.87%) is comparable to the rest of the industry.

ROGS has a Return On Equity (8.04%) which is in line with its industry peers.

		Industry Rank	Sector Rank
ROA	0.87%
ROE	8.04%
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 28.93%, ROGS is doing good in the industry, outperforming 77.42% 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)	28.93%
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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

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 has been reduced compared to 5 years ago.

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

2.2 Solvency

ROGS has a Debt/Equity ratio of 4.14. This is a high value indicating a heavy dependency on external financing.

Looking at the Debt to Equity ratio, with a value of 4.14, ROGS is doing worse than 79.57% 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

WACC5.77%

2.3 Liquidity

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

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

ROGS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 51.93%, which is quite impressive.

The Earnings Per Share has been growing by 9.44% 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!

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

EPS 1Y (TTM)51.93%

EPS 3Y13.29%

EPS 5Y9.44%

EPS Q2Q%19.31%

Revenue 1Y (TTM)51.05%

Revenue growth 3Y16.73%

Revenue growth 5Y9.48%

Sales Q2Q%19.55%

3.2 Future

ROGS is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -4.12% yearly.

The Revenue is expected to grow by 1.96% on average over the next years.

EPS Next Y-4.85%

EPS Next 2Y-4.12%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year2.04%

Revenue Next 2Y1.9%

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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 8.28, the valuation of ROGS can be described as very reasonable.

64.52% of the companies in the same industry are more expensive than ROGS, based on the Price/Earnings ratio.

Compared to an average S&P500 Price/Earnings ratio of 29.35, ROGS is valued rather cheaply.

A Price/Forward Earnings ratio of 10.37 indicates a reasonable valuation of ROGS.

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

When comparing the Price/Forward Earnings ratio of ROGS to the average of the S&P500 Index (22.10), we can say ROGS is valued rather cheaply.

		Industry Rank	Sector Rank
PE	8.28
Fwd PE	10.37

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 -4.12% in the coming years. This may justify a cheaper valuation.

PEG (NY)N/A

PEG (5Y)0.88

EPS Next 2Y-4.12%

EPS Next 3YN/A

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

ROGS has a Yearly Dividend Yield of 7.58%, which is a nice return.

Compared to an average industry Dividend Yield of 5.06, ROGS pays a better dividend. On top of this ROGS pays more dividend than 91.40% 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 2.33.

		Industry Rank	Sector Rank
Dividend Yield	7.58%

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 70.90% 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.

DP70.9%

EPS Next 2Y-4.12%

EPS Next 3YN/A

More info and screens

Find the best dividend stocks

Show peers with best dividend

ROGALAND SPAREBANK

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

126

+0.6 (+0.48%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-11 2025-02-11/amc

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

Inst Owners30.64%

Inst Owner ChangeN/A

Ins Owners6.82%

Ins Owner ChangeN/A

Market Cap3.15B

Analysts80

Price Target144.5 (14.68%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.58%

Yearly Dividend11.09

Dividend Growth(5Y)16.29%

DP70.9%

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)1

Avg Revenue beat(2)8.79%

Min Revenue beat(2)-4.78%

Max Revenue beat(2)22.35%

Revenue beat(4)2

Avg Revenue beat(4)4.63%

Min Revenue beat(4)-4.78%

Max Revenue beat(4)22.35%

Revenue beat(8)4

Avg Revenue beat(8)5.35%

Revenue beat(12)6

Avg Revenue beat(12)5.4%

Revenue beat(16)10

Avg Revenue beat(16)4.65%

PT rev (1m)0.47%

PT rev (3m)18.06%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)-0.92%

EPS NY rev (3m)0.26%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)-2.8%

Revenue NY rev (3m)-1.83%

Valuation

		Industry Rank	Sector Rank
PE	8.28
Fwd PE	10.37
P/S	2.65
P/FCF	N/A
P/OCF	N/A
P/B	0.74
P/tB	0.74
EV/EBITDA	N/A

EPS(TTM)15.22

EY12.08%

EPS(NY)12.15

Fwd EY9.64%

FCF(TTM)-20.26

FCFYN/A

OCF(TTM)-20.23

OCFYN/A

SpS47.48

BVpS170.8

TBVpS170.58

PEG (NY)N/A

PEG (5Y)0.88

Profitability

		Industry Rank	Sector Rank
ROA	0.87%
ROE	8.04%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	28.93%
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

WACC5.77%

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)51.93%

EPS 3Y13.29%

EPS 5Y9.44%

EPS Q2Q%19.31%

EPS Next Y-4.85%

EPS Next 2Y-4.12%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)51.05%

Revenue growth 3Y16.73%

Revenue growth 5Y9.48%

Sales Q2Q%19.55%

Revenue Next Year2.04%

Revenue Next 2Y1.9%

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