Rogaland Sparebank ROGS
Oslo Børs · Financial Services · Banks - Regional
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Annual accounts for Rogaland Sparebank
| NOK million | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Income statement | ||||
| Revenue | 645 | 770 | 895 | 1,029 |
| EBITDA | – | – | – | – |
| Net income | 169 | 210 | 444 | 463 |
| Balance sheet | ||||
| Equity | 3,393 | 3,622 | 4,275 | 4,553 |
| Total debt | 15,125 | 15,887 | 17,718 | 20,408 |
| Cash | 388 | 356 | 482 | 235 |
| Net debt | 14,737 | 15,531 | 17,235 | 20,173 |
| Ratios and per share | ||||
| EBITDA margin | – | – | – | – |
| Profit margin | 26.2% | 27.2% | 49.6% | 45.0% |
| Return on equity | 5.0% | 5.8% | 10.4% | 10.2% |
| Earnings/share (NOK) | 8.07 | 9.98 | 19.35 | 20.13 |
| Book value/share (NOK) | 161.98 | 172.37 | 186.30 | 197.90 |
| Shares outstanding (M) | 21 | 21 | 23 | 23 |
From the annual statements (Yahoo Finance), in the currency the company reports in. Per-share figures use the shares at the year end. Charts and annual figures →
Quarterly figures from the reports
BetaFrom the company's own reports: 13 reports read by AI, every figure checked against the report's page and arithmetic.
Source: the Q3 2026 report, page 12, published 2026-11-05.
| Quarter | Total income | Profit before losses | Profit | EPS | Adj. EPS | Source |
|---|---|---|---|---|---|---|
| Q3 2026 | 161 | 106 | 84 | 1.80 | … | Q3 2026, p. 12 |
| Q2 2026 | 182 | 221 | 205 | 5.50 | … | Q2 2026, p. 12 |
| Q1 2026 | 192 | 130 | 97 | 2.60 | … | Q1 2026, p. 12 |
| Q4 2025 | 194 | 250 | 85 | 2.20 | … | Q1 2026, p. 12 |
| Q3 2025 | 198 | 107 | 107 | 2.90 | … | Q3 2025, p. 86 |
| Q2 2025 | 194 | 180 | 136 | 3.70 | … | Q2 2025, p. 12 |
| Q1 2025 | 198 | 145 | 135 | 3.70 | … | Q1 2025, p. 12 |
| Q4 2024 | 192 | 115 | 106 | 2.50 | … | 4. kvartal 2024, p. 12 |
| Q3 2024 | 189 | 167 | 141 | 3.80 | … | Q3 2024, p. 12 |
| Q2 2024 | 170 | 160 | 105 | 4.10 | … | Q2 2024, p. 11 |
| Q1 2024 | 168 | 118 | 91 | 2.80 | … | Q1 2024, p. 11 |
| Q4 2023 | 168 | 92 | 170 | 2.10 | … | 4. kvartal 2023, p. 11 |
Amounts in NOK million, EPS in NOK. Each quarter as first reported, as a backtest would have seen it. Adjusted EPS (without one-off items) is shown once the one-off items have been checked against the companies' own adjusted figures.
One-off items in the reports
- 2026-06-30 Gain on sale of the 49.5% stake in Kjell Haver Regnskapsservice AS, booked in net result from associates: +42.6 NOK million (Q2 2026, p. 19)
- 2025-12-31 Impairment and loss on loans and guarantees (net): −0.3 NOK million (Q4 2025, p. 11)
- 2024-09-30 Net impairments and loan and guarantee losses, group: −6.6 NOK million (Q3 2024, p. 12)
- 2024-06-30 Impairments and losses on loans and guarantees, group, Q2 2024: −20.1 NOK million (Q2 2024, p. 11)
- 2024-03-31 Nedskrivninger og tap på utlån og garantier (consolidated), Q1 2024: −0.1 NOK million (Q1 2024, p. 11)
- 2023-03-31 Nedskrivninger og tap på utlån og garantier (consolidated), Q1 2023: −1.4 NOK million (Q1 2024, p. 11)
Found by AI and still being validated: hover for the report's own words.
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Extracted by an AI model from the reports and can be wrong. Not investment advice.
Key figures
| P/E | 7.5 |
| P/B | 0.8 |
| EV / EBITDA | – |
| Net debt / EBITDA | – |
| Return on equity | 10.2% |
| Profit margin | 45.0% |
| Beta 1Y | 0.01 |
| Revenue growth 1Y | +14.9% |
| Revenue CAGR 3Y | +16.9% |
| Earnings/share CAGR 3Y | +35.6% |
| ROE avg. 3Y | 8.8% |
Ratios use the latest annual report that was public 90 days after the year end.
Dividends per share (NOK)
| 2026 | 11.70 |
| 2025 | 9.50 |
| 2024 | 7.50 |
| 2023 | 6.05 |
| 2022 | 5.35 |
Not investment advice. Figures may contain errors from the data source.