Aurskog Sparebank
Aurskog Sparebank provides various banking products and services for individuals and corporate customers in Norway. The company offers business, placement, depositumskonto, agricultural, and customer accounts, as well as accounts systems. It also provides green business, bank guarantee, business, construction, factoring, and cash credit loans, as well as leasing services. In addition, it offers p… Read more
Aurskog Sparebank (AURG) - Net Assets
Latest net assets as of December 2025: Nkr2.55 Billion NOK
Based on the latest financial reports, Aurskog Sparebank (AURG) has net assets worth Nkr2.55 Billion NOK as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Nkr21.28 Billion) and total liabilities (Nkr18.73 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | Nkr2.55 Billion |
| % of Total Assets | 12.0% |
| Annual Growth Rate | 11.48% |
| 5-Year Change | 69.25% |
| 10-Year Change | 165.61% |
| Growth Volatility | 6.25 |
Aurskog Sparebank - Net Assets Trend (2003–2025)
This chart illustrates how Aurskog Sparebank's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Aurskog Sparebank (2003–2025)
The table below shows the annual net assets of Aurskog Sparebank from 2003 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | Nkr2.55 Billion | +9.30% |
| 2024-12-31 | Nkr2.34 Billion | +7.61% |
| 2023-12-31 | Nkr2.17 Billion | +13.92% |
| 2022-12-31 | Nkr1.91 Billion | +26.31% |
| 2021-12-31 | Nkr1.51 Billion | +7.59% |
| 2020-12-31 | Nkr1.40 Billion | +6.02% |
| 2019-12-31 | Nkr1.32 Billion | +13.73% |
| 2018-12-31 | Nkr1.16 Billion | +6.12% |
| 2017-12-31 | Nkr1.10 Billion | +13.99% |
| 2016-12-31 | Nkr961.85 Million | +7.33% |
| 2015-12-31 | Nkr896.17 Million | +26.39% |
| 2014-12-31 | Nkr709.08 Million | +11.10% |
| 2013-12-31 | Nkr638.24 Million | +10.97% |
| 2012-12-31 | Nkr575.15 Million | +24.98% |
| 2011-12-31 | Nkr460.18 Million | +8.93% |
| 2010-12-31 | Nkr422.45 Million | +12.55% |
| 2009-12-31 | Nkr375.33 Million | +7.27% |
| 2008-12-31 | Nkr349.90 Million | +5.91% |
| 2007-12-31 | Nkr330.39 Million | +6.14% |
| 2006-12-31 | Nkr311.28 Million | +7.56% |
| 2005-12-31 | Nkr289.41 Million | +13.17% |
| 2004-12-31 | Nkr255.73 Million | +9.35% |
| 2003-12-31 | Nkr233.86 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Aurskog Sparebank's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 1101.1% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | Nkr1.78 Billion | 69.50% |
| Common Stock | Nkr779.31 Million | 30.50% |
| Total Equity | Nkr2.55 Billion | 100.00% |
Aurskog Sparebank Competitors by Market Cap
The table below lists competitors of Aurskog Sparebank ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Laser Tek Taiwan Co Ltd
TWO:6207
|
$106.32 Million |
|
Quipt Home Medical Corp
NASDAQ:QIPT
|
$106.33 Million |
|
Tenaya Therapeutics Inc
NASDAQ:TNYA
|
$106.37 Million |
|
Jiiangsu Times Textile Technology Co.LTD
SHE:001234
|
$106.39 Million |
|
Shaanxi Meineng Clean Energy Corp. Ltd. A
SHE:001299
|
$106.29 Million |
|
Unic Technology
TWO:5452
|
$106.24 Million |
|
Beacon Lighting Group Ltd
AU:BLX
|
$106.16 Million |
|
Hitron Technologies Inc
TW:2419
|
$106.12 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Aurskog Sparebank's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 2,337,386,000 to 2,554,770,000, a change of 217,384,000 (9.3%).
- Net income of 259,862,000 contributed positively to equity growth.
- Dividend payments of 69,339,000 reduced retained earnings.
- Other factors increased equity by 26,861,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | Nkr259.86 Million | +10.17% |
| Dividends Paid | Nkr69.34 Million | -2.71% |
| Other Changes | Nkr26.86 Million | +1.05% |
| Total Change | Nkr- | 9.30% |
Book Value vs Market Value Analysis
This analysis compares Aurskog Sparebank's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.49x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.07x to 0.49x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2008-12-31 | Nkr251.39 | Nkr269.90 | x |
| 2009-12-31 | Nkr269.66 | Nkr269.90 | x |
| 2010-12-31 | Nkr303.51 | Nkr269.90 | x |
| 2011-12-31 | Nkr330.62 | Nkr269.90 | x |
| 2012-12-31 | Nkr290.75 | Nkr269.90 | x |
| 2013-12-31 | Nkr293.33 | Nkr269.90 | x |
| 2014-12-31 | Nkr325.89 | Nkr269.90 | x |
| 2015-12-31 | Nkr374.51 | Nkr269.90 | x |
| 2016-12-31 | Nkr401.96 | Nkr269.90 | x |
| 2017-12-31 | Nkr318.24 | Nkr269.90 | x |
| 2018-12-31 | Nkr337.72 | Nkr269.90 | x |
| 2019-12-31 | Nkr317.43 | Nkr269.90 | x |
| 2020-12-31 | Nkr375.58 | Nkr269.90 | x |
| 2021-12-31 | Nkr404.10 | Nkr269.90 | x |
| 2022-12-31 | Nkr412.45 | Nkr269.90 | x |
| 2023-12-31 | Nkr469.88 | Nkr269.90 | x |
| 2024-12-31 | Nkr505.60 | Nkr269.90 | x |
| 2025-12-31 | Nkr552.67 | Nkr269.90 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Aurskog Sparebank utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 10.17%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 49.64%
- • Asset Turnover: 0.02x
- • Equity Multiplier: 8.33x
- Recent ROE (10.17%) is above the historical average (9.66%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2003 | 10.32% | 12.60% | 0.07x | 11.93x | Nkr758.00K |
| 2004 | 12.41% | 20.74% | 0.04x | 13.30x | Nkr6.16 Million |
| 2005 | 11.92% | 21.02% | 0.04x | 13.54x | Nkr5.57 Million |
| 2006 | 12.31% | 17.96% | 0.05x | 15.09x | Nkr7.18 Million |
| 2007 | 10.56% | 11.46% | 0.06x | 16.15x | Nkr1.85 Million |
| 2008 | 6.78% | 5.40% | 0.08x | 16.70x | Nkr-11.25 Million |
| 2009 | 9.31% | 9.89% | 0.06x | 16.51x | Nkr-2.59 Million |
| 2010 | 13.01% | 15.47% | 0.05x | 16.92x | Nkr12.72 Million |
| 2011 | 8.61% | 10.93% | 0.05x | 15.31x | Nkr-6.41 Million |
| 2012 | 12.04% | 17.68% | 0.06x | 12.10x | Nkr11.72 Million |
| 2013 | 9.77% | 16.43% | 0.05x | 11.47x | Nkr-1.48 Million |
| 2014 | 9.10% | 16.94% | 0.05x | 11.05x | Nkr-6.38 Million |
| 2015 | 6.69% | 18.14% | 0.04x | 8.80x | Nkr-29.66 Million |
| 2016 | 9.08% | 27.33% | 0.04x | 8.89x | Nkr-8.88 Million |
| 2017 | 7.56% | 24.89% | 0.03x | 8.76x | Nkr-26.73 Million |
| 2018 | 8.07% | 26.60% | 0.03x | 8.90x | Nkr-22.45 Million |
| 2019 | 8.86% | 28.21% | 0.04x | 8.32x | Nkr-15.09 Million |
| 2020 | 7.89% | 29.31% | 0.03x | 8.38x | Nkr-29.66 Million |
| 2021 | 8.43% | 34.00% | 0.03x | 8.93x | Nkr-23.70 Million |
| 2022 | 9.31% | 31.60% | 0.04x | 8.16x | Nkr-13.07 Million |
| 2023 | 9.87% | 23.03% | 0.05x | 8.02x | Nkr-2.72 Million |
| 2024 | 10.09% | 20.08% | 0.06x | 8.21x | Nkr1.99 Million |
| 2025 | 10.17% | 49.64% | 0.02x | 8.33x | Nkr4.38 Million |
Industry Comparison
This section compares Aurskog Sparebank's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $1,416,654,222
- Average return on equity (ROE) among peers: 8.01%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Aurskog Sparebank (AURG) | Nkr2.55 Billion | 10.32% | 7.33x | $106.30 Million |
| Aasen Sparebank (AASB) | $827.45 Million | 9.55% | 7.18x | $16.20 Million |
| Bien Sparebank ASA (BIEN) | $694.19 Million | 8.04% | 6.36x | $71.28 Million |
| Flekkefjord Sparebank (FFSB) | $704.85 Million | 8.01% | 7.79x | $11.92 Million |
| Grong Sparebank (GRONG) | $921.66 Million | 9.32% | 7.58x | $55.44 Million |
| Helgeland Sparebank (HELG) | $5.22 Billion | 10.93% | 6.46x | $400.97 Million |
| Haugesund Sparebank (HGSB) | $1.55 Billion | 7.63% | 6.85x | $63.52 Million |
| Holand og Setskog Sparebank (HSPG) | $160.35 Million | 0.00% | 8.28x | $8.64 Million |
| Instabank ASA (INSTA) | $786.27 Million | 10.46% | 6.38x | $40.58 Million |
| Jaeren Sparebank (JAREN) | $1.89 Billion | 8.15% | 6.69x | $35.81 Million |