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.
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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.
Rogaland Sparebank is an independent savings bank headquartered in Sandnes, Norway, founded in 1875 and formerly known as Sandnes Sparebank until August 2024. It provides a comprehensive suite of banking and investment products tailored to retail and corporate customers across three main segments: Retail Market, Corporate Market, and Real Estate. Key offerings include daily banking services such as deposit accounts, fixed-rate deposits, and BSU accounts; diverse insurance products covering child, death, income, critical illness, disability, car, home, cabin, contents, and more; pension solutions; and various lending options like overdrafts, business loans, construction loans, factoring, mortgage loans, vehicle financing, small loans, refinancing, green loans, and bank guarantees. The bank also facilitates leasing, credit and bank cards, mobile and internet banking, real estate brokerage, and general investment advisory services. With approximately 150 employees, Rogaland Sparebank plays a vital role in Norway's regional banking sector, emphasizing accessible financial solutions for local communities and businesses in the Financial Services industry, specifically Banks - Regional.
NOK 12.87
+NOK 0.00 (+0.00%)
Price from 2 days ago
46.62% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue grew 14.9% YoY.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
1.1x earnings. Below the sector average, the market may be pricing in credit losses or regulatory headwinds, or there's genuine value here.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
NOK 1.00B
▲ +14.9% YoY
Net Income (TTM)
NOK 441M
▲ +4.8% YoY
Net Margin
43.98%
P/E
1.1x
Balance Sheet
Total Assets
NOK 44.15B
Equity
NOK 4.55B
Total Debt
NOK 20.41B
Cash & Equiv.
NOK 235M
3Y CAGR: +16.9%
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At a P/E of 1.1 and a price-to-free-cash-flow of 6.7, Rogaland Sparebank (ROGS.XOSL) trades above a two-stage DCF intrinsic value of about NOK -826.11 per share, so at NOK 12.87 the stock looks overvalued (6,518.9% above estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Rogaland Sparebank scores 78/100 on Intrinsiqq's quality scorecard (a solid business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 73.4%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about NOK -826.11 per share for ROGS.XOSL, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around NOK -619.58. At today's NOK 12.87, that puts the stock about 6,518.9% above estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Rogaland Sparebank scores 78 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a solid 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, Rogaland Sparebank pays a regular dividend of about NOK 9.45 per share per year (typically in quarterly installments), a yield of roughly 73.4% at the current price. That is a payout ratio of about 49.4% of earnings, so the dividend is well covered. Rogaland Sparebank has grown the dividend at roughly 14.7% 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 ROGS.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. ROGS.XOSL currently trades above its estimated intrinsic value and scores 78/100 on quality (solid). It also yields about 73.4%. 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.