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. While showing a medium growth rate, ROGS is valued expensive at the moment. ROGS also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year ROGS was profitable.

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

Each year in the past 5 years ROGS has been profitable.

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

1.2 Ratios

ROGS has a Return On Assets (0.86%) which is comparable to the rest of the industry.

ROGS has a Return On Equity (8.02%) which is comparable to the rest of the industry.

		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

The Profit Margin of ROGS (28.86%) is better than 78.95% 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 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.

Compared to 1 year ago, ROGS has more shares outstanding

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.

The Debt to Equity ratio of ROGS (4.14) is worse than 80.00% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	4.14
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.96%

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.

ROGS shows a strong growth in Revenue. In the last year, the Revenue has grown by 51.05%.

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

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.

Based on estimates for the next years, ROGS will show a small growth in Revenue. The Revenue will grow by 1.96% on average per year.

EPS Next Y-6.75%

EPS Next 2Y-5.3%

EPS Next 3Y-2.27%

EPS Next 5YN/A

Revenue Next Year2.04%

Revenue Next 2Y1.9%

Revenue Next 3Y1.96%

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 9.73, the valuation of ROGS can be described as very reasonable.

Compared to the rest of the industry, the Price/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.

Compared to an average S&P500 Price/Earnings ratio of 28.79, ROGS is valued rather cheaply.

A Price/Forward Earnings ratio of 10.44 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 67.37% of the companies listed in the same industry.

ROGS is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.38, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	9.73
Fwd PE	10.44

4.2 Price Multiples

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

4.3 Compensation for Growth

A cheap valuation may be justified as ROGS's earnings are expected to decrease with -2.27% in the coming years.

PEG (NY)N/A

PEG (5Y)0.9

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 7.39%, ROGS is a good candidate for dividend investing.

ROGS's Dividend Yield is rather good when compared to the industry average which is at 5.47. ROGS pays more dividend than 84.21% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.51, ROGS pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	7.39%

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 71.05% of its income as dividend. 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.

DP71.05%

EPS Next 2Y-5.3%

EPS Next 3Y-2.27%

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ROGALAND SPAREBANK

OSL:ROGS (4/25/2025, 7:00:00 PM)

128.5

-1.5 (-1.15%)

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 Cap3.22B

Analysts80

Price Target145.52 (13.25%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.39%

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)18.89%

EPS NQ rev (1m)0%

EPS NQ rev (3m)N/A

EPS NY rev (1m)1.34%

EPS NY rev (3m)1.61%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)-2.8%

Valuation

		Industry Rank	Sector Rank
PE	9.73
Fwd PE	10.44
P/S	2.71
P/FCF	N/A
P/OCF	N/A
P/B	0.75
P/tB	0.75
EV/EBITDA	N/A

EPS(TTM)13.2

EY10.27%

EPS(NY)12.31

Fwd EY9.58%

FCF(TTM)-20.26

FCFYN/A

OCF(TTM)-20.23

OCFYN/A

SpS47.48

BVpS170.8

TBVpS170.58

PEG (NY)N/A

PEG (5Y)0.9

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

WACC5.96%

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 Year2.04%

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