Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
/
Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Aurskog Sparebank is a well-established Norwegian savings bank founded in 1846 and headquartered in Aurskog, Norway. It primarily serves retail and corporate customers in the Romerike district of Akershus and the wider Oslo region through its head office and branches in locations such as Bjørkelangen, Årnes, Jessheim, Askim, Gjøvik, Nannestad, and Sørumsand. The bank offers a comprehensive suite of financial services, including savings accounts, mortgage, car, construction, and green business loans, overdrafts, leasing, credit cards, and insurance products covering liability, property damage, health, farm buildings, commercial vehicles, and transport goods. Additional services encompass pensions, foreign payments, mobile and online banking, payment solutions, and personalized advice. As a member of the Eika Alliance, Aurskog Sparebank enhances its competitive position with broader product access, economies of scale, and digital capabilities, while focusing heavily on retail customers and residential mortgages, which comprise nearly 75% of lending. With total assets of NOK 19.2 billion as of year-end 2024 and around 65-77 employees, it ranks as the 26th largest bank in Norway, maintaining strong financial metrics including a 2024 return on equity of 10.6% and a cost-income ratio below 33%, supported by low credit losses and a solid capital position. Scope Ratings affirms its issuer rating at A- with a Stable Outlook, reflecting stable earnings, comfortable solvency (CET1 ratio 17.5%), and community ties that promote economic development.
€22.37
+€0.26 (+1.20%)
EOD Jul 2, 2026
49.64% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue grew 9.9% YoY.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
13.5x earnings. In line with financial-sector norms. The question is whether the current credit environment supports sustained earnings at this level.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
NOK 526M
▲ +9.9% YoY
Net Income (TTM)
NOK 258M
▲ +10.2% YoY
Net Margin
49.14%
P/E
13.5x
Balance Sheet
Total Assets
NOK 21.28B
Equity
NOK 2.55B
Total Debt
NOK 6.26B
Cash & Equiv.
NOK 76M
3Y CAGR: +13.9%
Continue Research
At a P/E of , A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in .
On quality, Aurskog Sparebank scores 83/100 on Intrinsiqq's quality scorecard (a high-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 6.0%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Aurskog Sparebank scores 83 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a high-quality business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Aurskog Sparebank pays a regular dividend of about NOK 15.00 per share per year (typically in quarterly installments), a yield of roughly 6.0% at the current price. That is a payout ratio of about 26.8% of earnings, so the dividend is amply covered by earnings. Aurskog Sparebank has grown the dividend at roughly 21.2% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For AURG.XOSL's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. you should weigh AURG.XOSL's valuation and scores 83/100 on quality (high-quality). It also yields about 6.0%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.