0DNT Stock Overview

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

0DNT fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	3/6
Past Performance	2/6
Financial Health	3/6
Dividends	5/6

Rewards

Trading at 70.4% below our estimate of its fair value

Earnings are forecast to grow 44.82% per year

Earnings have grown 21.5% per year over the past 5 years

Pays a high and reliable dividend of 6.36%

Risk Analysis

Shares are highly illiquid

Does not have a meaningful market cap (NOK1B)

My Notes

Capture your thoughts, links and company narrative

Aurskog Sparebank Competitors

Secure Trust Bank

LSE:STB

UK£64.7m

Arbuthnot Banking Group

AIM:ARBB

UK£142.5m

Close Brothers Group

LSE:CBG

UK£332.2m

BEO Bancorp

OTCPK:BEOB

US$93.9m

Price History & Performance

Summary of share price highs, lows and changes for Aurskog Sparebank
Historical stock prices
Current Share Price	NOK 235.95
52 Week High	NOK 235.95
52 Week Low	NOK 235.95
Beta	0.15
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	35.99%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	0DNT	GB Banks	GB Market
7D	0%	-1.6%	-2.6%
1Y	n/a	32.4%	2.4%

Return vs Industry: Insufficient data to determine how 0DNT performed against the UK Banks industry.

Return vs Market: Insufficient data to determine how 0DNT performed against the UK Market.

Price Volatility

Is 0DNT's price volatile compared to industry and market?
0DNT volatility
0DNT Average Weekly Movement	n/a
Banks Industry Average Movement	3.7%
Market Average Movement	4.8%
10% most volatile stocks in GB Market	10.6%
10% least volatile stocks in GB Market	2.6%

Stable Share Price: 0DNT's share price has been volatile over the past 3 months compared to the UK market.

Volatility Over Time: Insufficient data to determine 0DNT's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1846	69	Evy Hagen	aurskog-sparebank.no

Aurskog Sparebank provides various banking products and services for individuals and corporate customers. It offers savings accounts; and mortgage, car, construction, and green business loans, as well as bank guarantee, overdraft, and leasing services; and credit cards. The company 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?
0DNT fundamental statistics
Market cap	NOK 1.09b
Earnings (TTM)	NOK 93.15m
Revenue (TTM)	NOK 460.08m

11.7x

P/E Ratio

0.5x

P/B Ratio

Is 0DNT overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
0DNT income statement (TTM)
Revenue	NOK 460.08m
Cost of Revenue	NOK 0
Gross Profit	NOK 460.08m
Other Expenses	NOK 366.93m
Earnings	NOK 93.15m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	20.15
Gross Margin	100.00%
Net Profit Margin	20.25%
Debt/Equity Ratio	226.6%

How did 0DNT perform over the long term?

See historical performance and comparison

Dividends

6.4%

Current Dividend Yield

74%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/21 14:06
End of Day Share Price	2024/11/27 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

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