AURGO Stock Overview

Provides various banking products and services for individuals and corporate customers. More details

AURGO fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	4/6
Past Performance	5/6
Financial Health	3/6
Dividends	4/6

Rewards

Trading at 68.4% below our estimate of its fair value

Earnings are forecast to grow 21.67% per year

Earnings grew by 423.9% over the past year

Risk Analysis

Shares are highly illiquid

Does not have a meaningful market cap (NOK998M)

Shareholders have been diluted in the past year

Dividend of 5.32% is either not well covered by earnings currently or not forecast to be covered

My Notes

Capture your thoughts, links and company narrative

Aurskog Sparebank Competitors

Secure Trust Bank

LSE:STB

UK£67.7m

Arbuthnot Banking Group

AIM:ARBB

UK£147.8m

Close Brothers Group

LSE:CBG

UK£347.7m

ENB Financial

OTCPK:ENBP

US$97.0m

Price History & Performance

Summary of share price highs, lows and changes for Aurskog Sparebank
Historical stock prices
Current Share Price	NOK 201.00
52 Week High	NOK 0
52 Week Low	NOK 0
Beta	0.10
1 Month Change	0%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	0%

Recent updates

Shareholder Returns

	AURGO	GB Banks	GB Market
7D	0%	1.3%	0.4%
1Y	n/a	36.2%	3.9%

Return vs Industry: Insufficient data to determine how AURGO performed against the UK Banks industry.

Return vs Market: Insufficient data to determine how AURGO performed against the UK Market.

Price Volatility

Is AURGO's price volatile compared to industry and market?
AURGO volatility
AURGO Average Weekly Movement	n/a
Banks Industry Average Movement	3.6%
Market Average Movement	4.7%
10% most volatile stocks in GB Market	10.3%
10% least volatile stocks in GB Market	2.6%

Stable Share Price: AURGO has not had significant price volatility in the past 3 months.

Volatility Over Time: Insufficient data to determine AURGO's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1846	62	Evy Hagen	aurskog-sparebank.no

Aurskog Sparebank provides various banking products and services for individuals and corporate customers. The company offers savings accounts; and mortgage, car, construction, and green business loans, as well as bank guarantee, overdraft, and leasing services; and credit cards. It also offers insurance products, including liability, work machine, data attack, farm building, crop operating equipment, property damage, health, homeowners, home, craftsman, commercial vehicle, business, personnel, travel, and occupational injury insurance products, as well as insurance of goods during transport.

Aurskog Sparebank Fundamentals Summary

How do Aurskog Sparebank's earnings and revenue compare to its market cap?
AURGO fundamental statistics
Market cap	NOK 998.48m
Earnings (TTM)	NOK 55.38m
Revenue (TTM)	NOK 313.37m

18.0x

P/E Ratio

0.6x

P/B Ratio

Is AURGO overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
AURGO income statement (TTM)
Revenue	NOK 313.37m
Cost of Revenue	NOK 0
Gross Profit	NOK 313.37m
Other Expenses	NOK 257.99m
Earnings	NOK 55.38m

Last Reported Earnings

Jun 30, 2022

Next Earnings Date

n/a

Earnings per share (EPS)	11.98
Gross Margin	100.00%
Net Profit Margin	17.67%
Debt/Equity Ratio	217.9%

How did AURGO perform over the long term?

See historical performance and comparison

Dividends

5.3%

Current Dividend Yield

96%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2022/09/18 23:49
End of Day Share Price	2022/06/21 00:00
Earnings	2022/06/30
Annual Earnings	2021/12/31

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

Aurskog Sparebank is covered by 2 analysts. 1 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
Žilvinas Jusaitis	Norne Securities AS
Vegard Toverud	Pareto Securities

Aurskog Sparebank BATS-CHIXE:AURGO Stock Report