Aurskog Sparebank (AURG) - Net Assets

Latest as of December 2025: Nkr2.55 Billion NOK ≈ $268.84 Million USD

Based on the latest financial reports, Aurskog Sparebank (AURG) has net assets worth Nkr2.55 Billion NOK (≈ $268.84 Million USD) 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 ≈ $2.24 Billion USD) and total liabilities (Nkr18.73 Billion ≈ $1.97 Billion USD). 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. Read Aurskog Sparebank (AURG) financial obligations for a breakdown of total debt and financial obligations.

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. Also explore Aurskog Sparebank asset portfolio for the complete picture of this company's asset base.

Annual Net Assets for Aurskog Sparebank (2003–2025)

The table below shows the annual net assets of Aurskog Sparebank from 2003 to 2025. For live valuation and market cap data, see AURG market cap.

Year	Net Assets	Change
2025-12-31	Nkr2.55 Billion ≈ $268.84 Million	+9.30%
2024-12-31	Nkr2.34 Billion ≈ $245.96 Million	+7.61%
2023-12-31	Nkr2.17 Billion ≈ $228.56 Million	+13.92%
2022-12-31	Nkr1.91 Billion ≈ $200.63 Million	+26.31%
2021-12-31	Nkr1.51 Billion ≈ $158.84 Million	+7.59%
2020-12-31	Nkr1.40 Billion ≈ $147.63 Million	+6.02%
2019-12-31	Nkr1.32 Billion ≈ $139.25 Million	+13.73%
2018-12-31	Nkr1.16 Billion ≈ $122.44 Million	+6.12%
2017-12-31	Nkr1.10 Billion ≈ $115.38 Million	+13.99%
2016-12-31	Nkr961.85 Million ≈ $101.21 Million	+7.33%
2015-12-31	Nkr896.17 Million ≈ $94.30 Million	+26.39%
2014-12-31	Nkr709.08 Million ≈ $74.62 Million	+11.10%
2013-12-31	Nkr638.24 Million ≈ $67.16 Million	+10.97%
2012-12-31	Nkr575.15 Million ≈ $60.52 Million	+24.98%
2011-12-31	Nkr460.18 Million ≈ $48.42 Million	+8.93%
2010-12-31	Nkr422.45 Million ≈ $44.45 Million	+12.55%
2009-12-31	Nkr375.33 Million ≈ $39.50 Million	+7.27%
2008-12-31	Nkr349.90 Million ≈ $36.82 Million	+5.91%
2007-12-31	Nkr330.39 Million ≈ $34.77 Million	+6.14%
2006-12-31	Nkr311.28 Million ≈ $32.76 Million	+7.56%
2005-12-31	Nkr289.41 Million ≈ $30.45 Million	+13.17%
2004-12-31	Nkr255.73 Million ≈ $26.91 Million	+9.35%
2003-12-31	Nkr233.86 Million ≈ $24.61 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
Siam Wellness Group Public Company Limited BK:SPA	$123.12 Million
Pioneer Floating Rate Trust NYSE:PHD	$123.13 Million
Tomer Energy Royalties 2012 Ltd TA:TOEN	$123.17 Million
Jindal Photo Limited NSE:JINDALPHOT	$123.17 Million
Daedong Gear Co. Ltd KQ:008830	$123.03 Million
Cemtas Celik Makina Sanayi ve Ticaret AS IS:CEMTS	$122.96 Million
Paragon Union Bhd KLSE:9407	$122.87 Million
Macauto Industrial Co Ltd TWO:9951	$122.87 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: 0.46x
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 1.01x to 0.46x 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	Nkr252.95	x
2009-12-31	Nkr269.66	Nkr252.95	x
2010-12-31	Nkr303.51	Nkr252.95	x
2011-12-31	Nkr330.62	Nkr252.95	x
2012-12-31	Nkr290.75	Nkr252.95	x
2013-12-31	Nkr293.33	Nkr252.95	x
2014-12-31	Nkr325.89	Nkr252.95	x
2015-12-31	Nkr374.51	Nkr252.95	x
2016-12-31	Nkr401.96	Nkr252.95	x
2017-12-31	Nkr318.24	Nkr252.95	x
2018-12-31	Nkr337.72	Nkr252.95	x
2019-12-31	Nkr317.43	Nkr252.95	x
2020-12-31	Nkr375.58	Nkr252.95	x
2021-12-31	Nkr404.10	Nkr252.95	x
2022-12-31	Nkr412.45	Nkr252.95	x
2023-12-31	Nkr469.88	Nkr252.95	x
2024-12-31	Nkr505.60	Nkr252.95	x
2025-12-31	Nkr552.67	Nkr252.95	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: $3,639,662,129
Average return on equity (ROE) among peers: -26.38%

Peer Company Comparison

Company	Net Assets	Return on Equity	Debt-to-Equity	Market Cap
Aurskog Sparebank (AURG)	Nkr2.55 Billion	10.32%	7.33x	$123.04 Million
Aasen Sparebank (AASB)	$407.05 Million	8.69%	7.90x	$24.75 Million
Bien Sparebank ASA (BIEN)	$770.79 Million	8.46%	6.96x	$93.84 Million
DnB ASA (DNB)	$26.12 Billion	8.94%	13.75x	$42.91 Billion
Grong Sparebank (GRONG)	$1.16 Billion	14.27%	6.73x	$83.18 Million
Helgeland Sparebank (HELG)	$1.66 Billion	9.16%	11.15x	$471.00 Million
Holand og Setskog Sparebank (HSPG)	$232.48 Million	7.59%	13.83x	$11.58 Million
Instabank ASA (INSTA)	$948.14 Million	10.64%	6.68x	$200.27 Million
Jaeren Sparebank (JAREN)	$1.46 Billion	9.58%	7.93x	$181.14 Million
Kraft Bank Asa (KRAB)	$1.31 Million	-314.77%	0.33x	$58.73 Million

About Aurskog Sparebank

OL:AURG Norway Banks - Regional

Market Cap

$123.04 Million

Nkr1.17 Billion NOK

Market Cap Rank

#18406 Global

#158 in Norway

Share Price

Nkr252.95

Change (1 day)

-0.02%

52-Week Range

Nkr228.00 - Nkr270.75

All Time High

Nkr270.75