How does P7A's PE Ratio compare to its peers?

P7A is expensive based on its Price-To-Earnings Ratio (11x) compared to the peer average (8.2x).

How does P7A's PE Ratio compare vs other companies in the European Banks Industry?

P7A is expensive based on its Price-To-Earnings Ratio (11x) compared to the European Banks industry average (8.3x).

What is P7A's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

P7A is expensive based on its Price-To-Earnings Ratio (11x) compared to the estimated Fair Price-To-Earnings Ratio (9.1x).

What is the Fair Price of P7A when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

P7A (€10.66) is trading below our estimate of [[fair value]] (€15.18)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Target price is lower than the current share price.

P7A Stock Overview

An independent savings bank, provides a range of banking and investment products to retail and corporate customers in Norway. More details

P7A fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	2/6
Past Performance	5/6
Financial Health	2/6
Dividends	5/6

Rewards

Trading at 29.8% below our estimate of its fair value

Earnings are forecast to grow 10.14% per year

Earnings grew by 38.3% over the past year

Risk Analysis

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

Rogaland Sparebank Competitors

Merkur PrivatBank KgaA

XTRA:MBK

€114.3m

ProCredit Holding

XTRA:PCZ

€518.3m

River Financial

OTCPK:RVRF

US$237.5m

Plumas Bancorp

NasdaqCM:PLBC

US$278.9m

Price History & Performance

Summary of share price highs, lows and changes for Rogaland Sparebank
Historical stock prices
Current Share Price	NOK 10.66
52 Week High	NOK 10.89
52 Week Low	NOK 7.57
Beta	0.33
1 Month Change	2.44%
3 Month Change	8.60%
1 Year Change	31.66%
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	24.90%

Recent updates

Shareholder Returns

	P7A	DE Banks	DE Market
7D	2.2%	1.4%	2.0%
1Y	31.7%	32.5%	15.2%

Return vs Industry: P7A matched the German Banks industry which returned 32.5% over the past year.

Return vs Market: P7A exceeded the German Market which returned 15.2% over the past year.

Price Volatility

Is P7A's price volatile compared to industry and market?
P7A volatility
P7A Average Weekly Movement	3.5%
Banks Industry Average Movement	3.1%
Market Average Movement	4.8%
10% most volatile stocks in DE Market	11.0%
10% least volatile stocks in DE Market	2.4%

Stable Share Price: P7A has not had significant price volatility in the past 3 months compared to the German market.

Volatility Over Time: P7A's weekly volatility (3%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1875	150	Trine Karin Stangeland	www.rogalandsparebank.no

Rogaland Sparebank, an independent savings bank, provides a range of 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 fixed rate deposits, deposit accounts, BSU, and tax withholding and other accounts subjected to withdrawal restrictions; child, death, income, critical illness, disability, car, home, cabin, contents, UNG, and other insurance products; and pension solutions.

Rogaland Sparebank Fundamentals Summary

How do Rogaland Sparebank's earnings and revenue compare to its market cap?
P7A fundamental statistics
Market cap	€256.07m
Earnings (TTM)	€23.20m
Revenue (TTM)	€70.96m

11.0x

P/E Ratio

0.7x

P/B Ratio

Is P7A overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
P7A income statement (TTM)
Revenue	NOK 832.56m
Cost of Revenue	NOK 0
Gross Profit	NOK 832.56m
Other Expenses	NOK 560.33m
Earnings	NOK 272.23m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

Feb 12, 2025

Earnings per share (EPS)	11.87
Gross Margin	100.00%
Net Profit Margin	32.70%
Debt/Equity Ratio	421.4%

How did P7A perform over the long term?

See historical performance and comparison

Dividends

5.7%

Current Dividend Yield

62%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/01/31 01:55
End of Day Share Price	2025/01/31 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Rogaland Sparebank is covered by 7 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Christian Berner	Beringer Finance AB
Geir Kristiansen	Beringer Finance AB
Håkon Astrup	DNB Markets