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Aurskog Sparebank (AURG.OL)

NOK253.00 +0.50 (+0.20%)
NO OSL Financial Services Banks - Regional
Address Senterveien 15 1930
Aurskog, NO
CEO Evy Ann Hagen
IPO 2007-12-27
ISIN NO0006001601

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Description

Aurskog Sparebank is a financial institution delivering a comprehensive suite of banking and financial services to both individual consumers and corporate entities. Its core offerings encompass various savings options, alongside a range of lending solutions such as mortgages, vehicle financing, construction loans, and environmentally-friendly business loans. Further financial tools include bank guarantees, overdraft facilities, leasing arrangements, and credit card services. The bank also provides an extensive portfolio of insurance solutions, spanning personal coverage (including health, home, travel, and occupational injury) and business-oriented policies (for liability, commercial vehicles, property damage, data attack, farm buildings, and crop operating equipment), alongside specialized insurance for goods in transit. Complementing these are pension schemes, international payment services, and convenient mobile and online banking platforms. The institution maintains a physical presence through branches located in Bjørkelangen, Årnes, Jessheim, and Sørumsand, all situated within Norway. Established in 1846, Aurskog Sparebank's headquarters are in Aurskog, Norway.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
NOK253.00 +0.50 (+0.20%)
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Volume Profile
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Liquidity & share structure
Average Volume
959
Beta
0.12
Float Shares
3.32M
Free Float %
71.9%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.02% +0.39% -1.98% -0.76% +3.68% -3.39% +6.94% +21.45% +41.15% +89.28% +271.79%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
253.00
DCF (Unlevered) 3,091.36 +1,121.9%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 0% Bullish
Rating 2026-05 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 1 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.23
Distress
Piotroski F-Score
6 / 9
Average
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
3 / 5
Medium
ROA Score
4 / 5
High
D/E Score
1 / 5
Low
P/E Score
4 / 5
High
P/Book Score
4 / 5
High
Operational MOAT
  • Revenue growth
    +9.0% Q1'26: +2.4% (vs Q1'25)
  • EPS growth
    +10.2% Q1'26: -3.0% (vs Q1'25)
  • FCF margin
    Q1'26: -234.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +21.4% (vs Q1'25)
  • ROIC
    Q1'26: +7.4% (vs Q1'25)
  • Share dilution
    0.0% Q1'26: 0.0% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 1.99× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.12) × ERP
WACC = 16% × Ke + 84% × Kd (12.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 3,085.51 Current price: 253.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2010
actual
Dec 2011
actual
Dec 2012
actual
Dec 2013
actual
Dec 2014
actual
Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
1 Rev. Ana.
1 EPS Ana.
Dec 2027
1 Rev. Ana.
1 EPS Ana.
Dec 2028
1 Rev. Ana.
1 EPS Ana.
Revenue
355.19M
est: 126.87M (+180.0%)
362.46M
est: 153.27M (+136.5%)
391.51M
est: 129.41M (+202.5%)
379.47M
est: 124.34M (+205.2%)
380.90M
est: 126.87M (+200.2%)
330.46M
est: 174.50M (+89.4%)
319.46M
est: 187.05M (+70.8%)
333.09M
est: 204.87M (+62.6%)
353.02M
est: 216.49M (+63.1%)
415.61M
est: 227.10M (+83.0%)
377.54M
est: 225.70M (+67.3%)
374.31M
est: 259.30M (+44.4%)
561.93M
est: 329.80M (+70.4%)
931.19M
est: 404.70M (+130.1%)
1.17B
est: 440.90M (+166.3%)
1.28B
est: 442.60M (+189.1%)
475.60M
475.60M – 475.60M
+7.5% YoY
512.10M
512.10M – 512.10M
+7.7% YoY
567.60M
567.60M – 567.60M
+10.8% YoY
EBITDA
75.72M
est: 46.37M (+63.3%)
58.24M
est: 56.01M (+4.0%)
93.28M
est: 47.29M (+97.2%)
83.86M
est: 45.44M (+84.5%)
89.65M
est: 46.37M (+93.3%)
84.67M
est: 63.77M (+32.8%)
111.42M
est: 68.36M (+63.0%)
114.08M
est: 74.87M (+52.4%)
124.99M
est: 79.11M (+58.0%)
154.12M
est: 82.99M (+85.7%)
144.66M
est: 82.48M (+75.4%)
168.03M
est: 94.76M (+77.3%)
236.53M
est: 120.52M (+96.3%)
286.63M
est: 147.90M (+93.8%)
312.80M
est: 151.11M (+107.0%)
344.92M
est: 151.69M (+127.4%)
163.00M
163.00M – 163.00M
+7.5% YoY
175.51M
175.51M – 175.51M
+7.7% YoY
194.53M
194.53M – 194.53M
+10.8% YoY
EBIT
73.10M
est: 45.14M (+62.0%)
55.64M
est: 53.45M (+4.1%)
90.22M
est: 45.13M (+99.9%)
79.77M
est: 43.36M (+84.0%)
86.71M
est: 44.25M (+96.0%)
81.51M
est: 62.08M (+31.3%)
108.24M
est: 87.28M (+24.0%)
106.29M
est: 118.67M (-10.4%)
121.02M
est: 112.28M (+7.8%)
150.20M
est: 127.00M (+18.3%)
140.44M
est: 80.30M (+74.9%)
163.26M
est: 92.25M (+77.0%)
231.12M
est: 117.33M (+97.0%)
279.35M
est: 198.22M (+40.9%)
304.54M
est: 218.36M (+39.5%)
334.68M
est: 147.69M (+126.6%)
158.70M
158.70M – 158.70M
+7.5% YoY
170.88M
170.88M – 170.88M
+7.7% YoY
189.40M
189.40M – 189.40M
+10.8% YoY
Net Income
54.96M
est: 52.00M (+5.7%)
39.61M
est: 41.45M (-4.4%)
69.23M
est: 33.44M (+107.1%)
62.34M
est: 54.57M (+14.2%)
64.53M
est: 55.32M (+16.7%)
59.96M
est: 39.03M (+53.6%)
87.30M
est: 64.20M (+36.0%)
82.91M
est: 95.71M (-13.4%)
93.91M
est: 87.58M (+7.2%)
117.24M
est: 98.55M (+19.0%)
110.64M
est: 49.64M (+122.9%)
127.25M
est: 61.14M (+108.1%)
177.59M
est: 64.54M (+175.2%)
214.48M
est: 154.72M (+38.6%)
235.73M
est: 233.00M (+1.2%)
259.86M
est: 89.77M (+189.5%)
88.52M
88.52M – 88.52M
-1.4% YoY
90.46M
90.46M – 90.46M
+2.2% YoY
96.80M
96.80M – 96.80M
+7.0% YoY
SGA
17.28M
est: 1.12M (+1,437.9%)
17.76M
est: 1.33M (+1,235.0%)
17.40M
est: 1.12M (+1,448.7%)
18.77M
est: 1.08M (+1,638.8%)
17.54M
est: 1.10M (+1,492.7%)
18.28M
est: 1.55M (+1,083.1%)
18.64M
est: 120.15M (-84.5%)
657.0K
est: 114.21M (-99.4%)
593.0K
est: 122.56M (-99.5%)
4.27M
est: 116.72M (-96.3%)
3.10M
est: 2.00M (+55.2%)
4.33M
est: 2.30M (+88.6%)
6.51M
est: 134.30M (-95.2%)
6.31M
est: 147.71M (-95.7%)
7.20M
est: 162.72M (-95.6%)
8.06M
est: 3.75M (+114.9%)
4.03M
4.03M – 4.03M
+7.5% YoY
4.34M
4.34M – 4.34M
+7.7% YoY
4.81M
4.81M – 4.81M
+10.8% YoY
EPS
39.49
est: 11.25 (+251.0%)
28.46
est: 9.01 (+215.8%)
35.00
est: 13.38 (+161.6%)
28.65
est: 11.86 (+141.5%)
29.66
est: 12.02 (+146.9%)
25.06
est: 8.44 (+196.9%)
36.48
est: 9.23 (+295.3%)
24.06
est: 9.43 (+155.0%)
27.26
est: 10.51 (+159.4%)
31.39
est: 10.82 (+190.2%)
29.62
est: 10.74 (+175.8%)
34.06
est: 13.23 (+157.5%)
38.42
est: 13.96 (+175.2%)
46.51
est: 18.71 (+148.6%)
51.00
est: 19.89 (+156.4%)
56.22
est: 19.42 (+189.5%)
19.15
19.15 – 19.15
-1.4% YoY
19.57
19.57 – 19.57
+2.2% YoY
20.94
20.94 – 20.94
+7.0% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-12 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5
2026-05-11 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5
2026-05-08 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5
2026-05-07 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5
2026-05-06 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5
2026-05-05 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5
2026-05-04 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5
2026-04-30 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5
2026-04-29 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5
2026-04-28 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5
2026-04-27 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5
2026-04-24 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5
2026-04-23 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-04-22 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-04-21 B+ 3/5 1/5 3/5 5/5 1/5 4/5 4/5
2026-04-20 B+ 3/5 1/5 3/5 5/5 1/5 4/5 4/5
2026-04-17 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-04-16 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-513.53M
OE per share TTM
-111.10
Owner's Yield
-43.57%
Maintenance CapEx ratio
4.41%
Maint CapEx / Avg PPE
11.7%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
4.85M
Shares Outstanding
4.62M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Andreas Halvorsrud Glende Bank Manager & Chief Financial Officer male
Christina Hogseth Gjertveit HR Manager
Evy Ann Hagen Chief Executive Officer female
Fredrik Skogly Bystrom Head of Technology & Development male
Helene Enger Skjønnhaug Head of Communications & Marketing and Sustainability Manager female
Jan Pedersen Assistant Chief Executive Officer male
Nina Sofie Lauritsen Sørlie Accounting Manager
Per Kristian Melby Head of Credit Retail Market male
Sina Fjeldstad Gjortz Special Advisor Quality and AHV & Compliance Officer
Tor-Einar Torre Head of Savings & Investment Department male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits