ROGALAND SPAREBANK NOK10 GRUNNFONDSBEVISRR

ROGALAND SPAREBANK NOK10 GRUNNFONDSBEVIS

132.02NOKD
+2.04+1.57%
At close at Feb 10, 16:58 GMT
NOK
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0FWN fundamentals

Key facts

Market capitalization‪2.94 B‬NOK
Founded1875
CEOTomas Nordbø
About

Rogaland Sparebank provides banking and financial services. It operates through the following segments: Retail Market, Corporate Market, and Estate Agency. The Retail Market segment offers mobile banking, Internet banking, loans, savings, insurance, pension, and payment services to retail customers. The Corporate Market segment offers loans, insurance, pension, and payment services to corporate customers. The Estate Agency segment offers real estate brokerage services. The company was founded on December 4, 1875 and is headquartered in Sandnes, Norway.

Ownership
‪‪22.95 M‬‬
Closely held shares
‪‪12.44 M‬‬ (54.19%)
Free Float shares
‪‪10.51 M‬‬ (45.81%)
Closely held shares
‪‪12.44 M‬‬ (54.19%)
Free Float shares
‪‪10.51 M‬‬ (45.81%)
Capital structure
Market cap
‪‪2.94 B‬‬
Debt
‪‪17.92 B‬‬
Minority interest
‪‪3.22 M‬‬
Cash & equivalents
‪‪482.44 M‬‬
Enterprise value
‪‪20.38 B‬‬

Valuation

Fundamental metrics to determine fair value of the stock

Summary
‪‪2.94 B‬‬
Price to earning ratio (P/E)
9.89x
Price to sales ratio (P/S)
1.22x
Market Cap
Net income
Revenue
Price to earning ratio (P/E)
9.89x
Price to sales ratio (P/S)
1.22x
Valuation ratios
‪0.00‬
‪0.26‬
‪0.52‬
‪0.78‬
‪1.04‬
Q4 '23
Q1 '24
Q2 '24
Q3 '24
Q4 '24
‪0.00‬
‪2.10‬
‪4.20‬
‪6.30‬
‪8.40‬
P/E
P/S

Growth and Profitability

Company’s recent performance and margins

Performance
‪7%‬
‪9%‬
‪11%‬
‪13%‬
‪15%‬
Q4 '23
Q1 '24
Q2 '24
Q3 '24
Q4 '24
‪0.00‬
‪‪200.00 M‬‬
‪‪400.00 M‬‬
‪‪600.00 M‬‬
‪‪800.00 M‬‬
Total revenue
Net income
Net margin %
Revenue to profit conversion
Total revenue
Int. expense & PCL
Non-int. expense
Op income
Unusual income/ expense
Pretax income
Taxes & Other
Net income
‪0.00‬
‪‪150.00 M‬‬
‪‪300.00 M‬‬
‪‪450.00 M‬‬
‪‪600.00 M‬‬
Total revenue
Int. & Non-int. expenses
Op income
Expenses & adjustments
Net income
‪0.00‬
‪‪150.00 M‬‬
‪‪300.00 M‬‬
‪‪450.00 M‬‬
‪‪600.00 M‬‬

Revenue breakdown

Revenue streams and regions a business earns money from

By source/business
Period: 2024
Private Market
Business Market
Other
Property
By country
Period: 2024
Norway

Estimates

Revenue and Earnings forecasts and estimates accuracy

Revenue
Q1 '24
Q2 '24
Q3 '24
Q4 '24
Q1 '25
‪0.00‬
‪‪80.00 M‬‬
‪‪160.00 M‬‬
‪‪240.00 M‬‬
‪‪320.00 M‬‬
Actual
Estimate
Earnings
Next:May 8, 2025
Q1 '24
Q2 '24
Q3 '24
Q4 '24
Q1 '25
‪0.00‬
‪1.10‬
‪2.20‬
‪3.30‬
‪4.40‬
Actual
Estimate

Dividends

Dividend yield, history and sustainability

Dividend summary
72.32%
Earnings retained
Payout ratio (TTM)
Dividend yield TTM
5.85%
Next payment
9.50
Next ex-date
Apr 1, 2025
Dividend history
‪5.0%‬
‪5.9%‬
‪6.8%‬
‪7.7%‬
‪8.6%‬
2020
2021
2022
2023
2024
‪0.00‬
‪2.50‬
‪5.00‬
‪7.50‬
‪10.00‬
Dividends per share (FY)
Dividend yield (FY) %

Financial health

Financial position and solvency of the company

Loans and customer deposits
Q4 '23
Q1 '24
Q2 '24
Q3 '24
Q4 '24
‪‪−12.00 B‬‬
‪0.00‬
‪‪12.00 B‬‬
‪‪24.00 B‬‬
‪‪36.00 B‬‬
Net loans
Total deposits
Loan loss allowances
Capital adequacy analysis
Q4 '23
Q1 '24
Q2 '24
Q3 '24
Q4 '24
‪0.00‬
‪6.00‬
‪12.00‬
‪18.00‬
‪24.00‬
Common equity Tier 1 ratio
Tier 1 capital ratio
Total capital ratio