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Aurskog Sparebank

Aurskog Sparebank

AURG · OL · Financial Services / Banks - Regional

260.05NOK+0.05 (+0.02%)

Price History

Full chart

Market Stats

Previous Close260.00
Open260.05
Day Range260.05 – 260.05
52-Week Range218.09 – 265.70
Volume19
Market Cap1.22B
P/E (TTM)4.76
Forward P/E0.00
EPS55.43
Dividend Yield6.54%
Beta0.12
50-Day Avg255.99
200-Day Avg257.96

About

Aurskog Sparebank provides various banking products and services for individuals and corporate customers in Norway. The company offers business, investment, deposit, agricultural, and client, as well as group accounts systems. It also provides green business, bank guarantee, business, and construction loans, as well as factoring, overdraft, and leasing services; green agricultural loans; mortgages; refinancing consumer debt, car, motorcycle, motorhomes, boats and ATVs; and consumer loans. In addition, it offers payment solutions, such as AgreementGiro, corporate connect, eInvoice, pay with KID, in-store cash services, and payment terminal, as well as business card and credit cards. Further, it offers agriculture, vehicle, staff and employee's, and business and value insurances; contents, dog, travel, child, valuables, home, car and other vehicles, house and belongings, life and health, and animal insurances; online banking and mobile banking; and pension and savings products. Aurskog Sparebank was founded in 1846 and is headquartered in Aurskog, Norway.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMs. Evy Ann Hagen
  • Employees81
  • HeadquartersSenterveien 15, Aurskog, Norway, 1930, Norway
  • Websitehttps://aurskog-sparebank.no

Leadership

  • Ms. Evy Ann HagenChief Executive Officer
  • Mr. Andreas Halvorsrud GlendeBank Manager & CFO · b. 1980
  • Mr. Tor-Einar TorreHead of Savings & Investment Department
  • Nina Sofie Lauritsen SørlieAccounting Manager
  • Mr. Fredrik Skogly BystromHead of Technology & Development
  • Sina Fjeldstad GjortzSpecial Advisor Quality and AHV & Compliance Officer
  • Ms. Helene Enger SkjønnhaugCommunications and Marketing Manager
  • Christina Hogseth GjertveitHR Manager
  • Mr. Jan PedersenAssistant Chief Executive Officer
  • Mr. Per Kristian MelbyHead of Credit Retail Market · b. 1965

Financials

Income Statement

Currency: NOK2003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue191.63M153.00M164.15M213.36M304.61M439.19M353.41M355.19M362.46M391.51M379.47M380.90M330.46M319.46M333.09M353.02M415.61M377.54M374.31M561.93M931.19M1.17B523.54M
Growth (%)--20.16%+7.29%+29.98%+42.77%+44.18%-19.53%+0.50%+2.05%+8.01%-3.08%+0.38%-13.24%-3.33%+4.27%+5.98%+17.73%-9.16%-0.86%+50.12%+65.71%+26.08%-55.41%
Cost of Revenue-----307.30M198.17M191.27M211.67M195.79M188.21M193.29M144.22M115.29M118.42M129.92M162.58M125.39M91.43M207.68M492.07M697.79M-
Gross Profit-----131.89M155.23M163.92M150.79M195.71M191.26M187.61M186.23M204.17M214.66M223.10M253.03M252.15M282.88M354.24M439.11M476.24M-
Gross Margin-----30.03%43.93%46.15%41.60%49.99%50.40%49.25%56.36%63.91%64.45%63.20%60.88%66.79%75.57%63.04%47.16%40.56%-
Operating Expense-----90.99M96.50M90.81M95.14M105.50M111.49M100.89M104.72M95.92M108.38M102.08M102.83M111.71M119.63M123.13M159.76M171.69M-
Operating Income142.80M105.19M111.91M158.63M245.05M40.90M58.74M73.10M55.64M90.22M79.77M86.71M81.51M108.24M106.29M121.02M150.20M140.44M163.26M231.12M279.35M304.54M-
Operating Margin74.52%68.75%68.18%74.35%80.45%9.31%16.62%20.58%15.35%23.04%21.02%22.77%24.67%33.88%31.91%34.28%36.14%37.20%43.62%41.13%30.00%25.94%-
EBITDA-----45.53M61.12M75.72M58.24M93.28M83.86M89.64M84.67M111.42M114.08M124.99M154.12M144.66M168.03M236.53M286.63M312.80M-
EBITDA Margin-----10.37%17.29%21.32%16.07%23.83%22.10%23.53%25.62%34.88%34.25%35.41%37.08%38.32%44.89%42.09%30.78%26.64%-
Net Income24.14M31.74M34.51M38.31M34.89M23.74M34.94M54.96M39.61M69.23M62.34M64.53M59.96M87.30M82.91M93.91M117.24M110.64M127.25M177.59M214.48M235.73M259.86M
Net Income Margin12.60%20.74%21.02%17.96%11.46%5.40%9.89%15.47%10.93%17.68%16.43%16.94%18.14%27.33%24.89%26.60%28.21%29.31%34.00%31.60%23.03%20.08%49.64%
Interest Expense00000307.30M198.17M191.27M211.67M195.79M188.21M193.29M144.22M115.29M118.42M129.92M162.58M125.39M91.43M207.68M492.07M703.69M756.02M
Interest Expense % of Total Revenue0.00%0.00%0.00%0.00%0.00%69.97%56.07%53.85%58.40%50.01%49.60%50.75%43.64%36.09%35.55%36.80%39.12%33.21%24.43%36.96%52.84%59.94%144.41%

Balance Sheet

Currency: NOK2003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets2.79B3.40B3.92B4.70B5.34B5.84B6.20B7.15B7.05B6.96B7.32B7.83B7.88B8.55B9.60B10.36B11.02B11.76B13.48B15.56B17.41B19.19B21.28B
Total Liabilities2.56B3.14B3.63B4.39B5.01B5.49B5.82B6.73B6.59B6.39B6.69B7.12B6.99B7.59B8.51B9.20B9.69B10.35B11.97B13.65B15.24B16.86B18.73B
Total Equity233.86M255.73M289.41M311.28M330.39M349.90M375.33M422.45M460.18M575.15M638.24M709.08M896.17M961.85M1.10B1.16B1.32B1.40B1.51B1.91B2.17B2.34B2.55B
Cash186.11M210.76M68.79M161.73M139.29M246.09M322.93M713.04M356.40M345.16M347.54M70.04M67.10M60.23M72.87M7.53M5.49M10.07M75.86M79.01M77.30M75.03M76.08M
Total Debt-----2.35B2.37B2.77B2.68B2.63B2.60B2.45B2.13B2.56B2.74B3.35B3.26B3.22B3.86B4.02B4.72B5.43B-
Net Debt-----2.11B2.04B2.05B2.33B2.28B2.26B2.38B2.06B2.10B2.33B2.85B3.11B3.21B3.79B3.94B4.64B5.36B6.15B

Cash Flow

Currency: NOK2003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-----100.92M71.98M197.00M-134.69M170.77M-37.19M106.19M-401.60M-11.47M2.76M-73.56M135.07M75.53M-779.36M-30.91M-381.37M-744.50M-521.34M
Investing Cash Flow------9.46M-16.15M-24.44M-730.00K-14.21M-1.47M-2.05M-4.89M-802.00K390.00K8.46M-4.52M17.85M19.01M-30.75M-23.00K-33.80M-45.16M
Financing Cash Flow-----29.84M42.57M496.00K-28.97M-21.81M18.94M90.06M13.45M-12.11M55.61M-19.75M-111.56M245.07M555.27M220.11M690.02M665.72M735.14M
Capital Expenditure0000066.07M20.40M26.49M3.59M15.12M1.47M2.10M20.11M200.00K215.00K8.12M1.39M1.39M3.17M357.00K582.00K710.00K3.86M
Free Cash Flow-----34.85M51.59M170.51M-138.28M155.65M-38.66M104.09M-421.71M-11.67M2.54M-81.67M135.07M74.13M-782.53M-31.26M-381.37M-745.22M-525.20M
Dividends Paid----------19.04M18.54M20.54M18.54M18.54M52.00M26.19M35.36M32.14M36.96M46.23M69.34M69.34M
FCF to OCF-----34.53%71.67%86.55%102.67%91.14%103.96%98.02%105.01%101.74%92.20%111.04%100.00%98.16%100.41%101.16%100.00%100.10%100.74%
Dividend Paid to FCF-----------49.24%17.81%-4.87%-158.85%729.48%-63.66%19.39%47.69%-4.11%-118.24%-12.12%-9.30%-13.20%

Earnings

Report DateApr 24, 2009Aug 12, 2009Oct 19, 2009Feb 4, 2010Apr 23, 2010Aug 11, 2010Oct 21, 2010Feb 10, 2011Apr 22, 2011Aug 10, 2011Oct 17, 2011Feb 2, 2012Apr 25, 2012Aug 15, 2012Oct 18, 2012Feb 13, 2013Apr 19, 2013Aug 14, 2013Oct 17, 2013Feb 6, 2014Apr 30, 2014Aug 13, 2014Oct 16, 2014Jan 29, 2015Apr 23, 2015Aug 20, 2015Oct 22, 2015Jan 28, 2016Apr 21, 2016Aug 11, 2016Oct 20, 2016Feb 7, 2017Apr 27, 2017Aug 10, 2017Oct 13, 2017Feb 1, 2018Apr 26, 2018Aug 16, 2018Oct 18, 2018Jan 31, 2019May 9, 2019Aug 15, 2019Oct 24, 2019Jan 30, 2020Apr 30, 2020Aug 13, 2020Oct 22, 2020Jan 28, 2021Apr 28, 2021Aug 12, 2021Oct 27, 2021Feb 2, 2022May 11, 2022Aug 10, 2022Oct 26, 2022Feb 7, 2023May 3, 2023Aug 15, 2023Nov 1, 2023Feb 11, 2024May 15, 2024Aug 14, 2024Nov 13, 2024Feb 12, 2025May 14, 2025Aug 13, 2025Nov 10, 2025Feb 12, 2026May 14, 2026Aug 12, 2026
EPS Estimate------4.364.88----4.07-3.853.12--3.39-2.93-3.193.852.305.512.773.691.704.533.232.492.435.202.732.792.144.862.743.152.954.793.522.722.474.452.422.862.194.463.503.752.795.683.433.544.276.314.203.984.605.664.504.604.165.654.414.474.124.92
EPS Actual3.394.608.877.136.836.606.985.819.369.302.536.0115.506.785.313.747.229.279.249.217.602.965.126.262.3212.641.416.071.695.543.693.802.544.172.562.052.454.752.922.752.5014.123.632.581.115.027.143.182.504.233.782.823.154.013.304.644.275.094.254.734.125.504.284.304.125.664.265.323.495.44
Surprise------60.09%19.06%----280.84%-37.92%19.87%--172.57%-159.39%-60.50%62.60%0.87%129.40%-49.10%64.50%-0.59%22.30%14.24%52.61%4.53%-19.81%-6.23%-26.52%14.49%-2.26%6.57%-12.70%-15.25%194.88%3.13%-5.15%-55.06%12.81%195.04%11.19%14.16%-5.16%8.00%-24.80%12.90%-29.40%-3.79%31.07%0.00%-19.33%1.19%18.84%-10.43%-2.83%-4.89%-6.52%-0.96%0.18%-3.40%19.02%-15.29%10.57%
Timing------Pre-marketAfter-hours----Pre-market--After-hours-------Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hours-Pre-marketPre-market

Key Statistics & Ratios

Market Cap1.22B
Enterprise Value6.65B
Trailing P/E4.76
Forward P/E0.00
PEG Ratio0.00
Price / Sales2.33
Price / Book0.47
EPS55.43
Book Value508.00
Revenue (TTM)523.41M
Gross Profit (TTM)523.41M
Profit Margin49.62%
Operating Margin68.45%
Return on Equity10.48%
Return on Assets1.22%
Shares Outstanding4.62M
Shares Float4.61M
Beta0.12
Dividend Yield6.54%
Dividend Rate17.00
Payout Ratio91.84%

Dividends

20261×
17.00Mar 26, 2026
20251×
15.00Mar 27, 2025
20241×
15.00Mar 21, 2024
20231×
10.00Mar 9, 2023
20221×
9.90Feb 25, 2022
20212×
3.44Nov 1, 20215.16Mar 4, 2021
20201×
9.46Feb 27, 2020
20191×
8.48Feb 28, 2019
20181×
7.71Mar 1, 2018
20171×
7.71Mar 1, 2017
20161×
6.61Feb 25, 2016
20151×
7.27Feb 26, 2015
20141×
7.27Feb 27, 2014
20131×
7.27Feb 28, 2013
20121×
3.94Mar 1, 2012
20111×
5.36Feb 24, 2011
20101×
3.33Feb 25, 2010
20091×
5.04Feb 26, 2009
20081×
6.97Feb 26, 2008
20071×
8.05Feb 27, 2007
20061×
8.05Feb 28, 2006
20051×
6.97Feb 23, 2005
20041×
6.44Feb 25, 2004

Stock Splits

  • Feb 28, 20221641:1412
  • Sep 6, 2019135:121
  • Mar 1, 2017425:364
  • Mar 2, 2012511:415
  • Feb 26, 200366:59