Rogaland Sparebank
Rogaland Sparebank, an independent savings bank, provides various banking and investment products to retail and corporate customers in Norway. It operates through three segments: Retail Market, Corporate Market, and Real Estate. The company offers bank, BSU, mutual fund, and retirement savings account; fixed rate deposits; deposit, disability insurance plans, disability pension, and pension. It a… Read more
Rogaland Sparebank (ROGS) - Net Assets
Latest net assets as of September 2025: Nkr4.37 Billion NOK
Based on the latest financial reports, Rogaland Sparebank (ROGS) has net assets worth Nkr4.37 Billion NOK as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Nkr42.48 Billion) and total liabilities (Nkr38.11 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 | Nkr4.37 Billion |
| % of Total Assets | 10.29% |
| Annual Growth Rate | 12.25% |
| 5-Year Change | N/A |
| 10-Year Change | N/A |
| Growth Volatility | 5.64 |
Rogaland Sparebank - Net Assets Trend (2022–2024)
This chart illustrates how Rogaland 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 Rogaland Sparebank (2022–2024)
The table below shows the annual net assets of Rogaland Sparebank from 2022 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | Nkr4.28 Billion | +18.04% |
| 2023-12-31 | Nkr3.62 Billion | +6.76% |
| 2022-12-31 | Nkr3.39 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Rogaland 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 29.8% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | Nkr1.24 Billion | 29.01% |
| Common Stock | Nkr250.29 Million | 5.85% |
| Other Components | Nkr2.78 Billion | 65.13% |
| Total Equity | Nkr4.28 Billion | 100.00% |
Rogaland Sparebank Competitors by Market Cap
The table below lists competitors of Rogaland Sparebank ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
EXTREME NETWORKS
MU:EXM
|
$126.05K |
|
FirstGroup PLC
LSE:FGP
|
$126.09K |
|
Buck Hill Falls Company
PINK:BUHF
|
$126.11K |
|
BAZA3F
SA:BAZA3F
|
$126.15K |
|
EDP RENOVAVEIS - Dusseldorf Stock Exchang
DU:EDW
|
$125.95K |
|
Air Water Inc
BE:0AW
|
$125.94K |
|
FMC CORP - Dusseldorf Stock Exchang
DU:FMQ
|
$125.79K |
|
BLACKR.CAP.ALL.TR. SBI
F:BD8
|
$125.60K |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Rogaland Sparebank's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 3,621,906,000 to 4,275,177,000, a change of 653,271,000 (18.0%).
- Net income of 457,595,000 contributed positively to equity growth.
- Dividend payments of 243,714,000 reduced retained earnings.
- Share repurchases of 8,333,000 reduced equity.
- Other factors increased equity by 447,723,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | Nkr457.60 Million | +10.7% |
| Dividends Paid | Nkr243.71 Million | -5.7% |
| Share Repurchases | Nkr8.33 Million | -0.19% |
| Other Changes | Nkr447.72 Million | +10.47% |
| Total Change | Nkr- | 18.04% |
Book Value vs Market Value Analysis
This analysis compares Rogaland 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: 0.84x
- 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 0.97x to 0.84x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2022-12-31 | Nkr161.98 | Nkr156.60 | x |
| 2023-12-31 | Nkr172.37 | Nkr156.60 | x |
| 2024-12-31 | Nkr186.30 | Nkr156.60 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Rogaland 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): 10.70%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 0.00%
- • Asset Turnover: 0.00x
- • Equity Multiplier: 9.29x
- Recent ROE (10.70%) is above the historical average (9.22%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2022 | 7.85% | 0.00% | 0.00x | 9.50x | Nkr-73.10 Million |
| 2023 | 9.11% | 0.00% | 0.00x | 9.50x | Nkr-32.30 Million |
| 2024 | 10.70% | 0.00% | 0.00x | 9.29x | Nkr30.08 Million |
Industry Comparison
This section compares Rogaland Sparebank's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $1,308,028,100
- Average return on equity (ROE) among peers: 8.26%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Rogaland Sparebank (ROGS) | Nkr4.37 Billion | 7.85% | 8.71x | $125.99K |
| Aasen Sparebank (AASB) | $827.45 Million | 9.55% | 7.18x | $16.20 Million |
| Aurskog Sparebank (AURG) | $330.39 Million | 10.56% | 15.15x | $106.30 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 |