Høland og Setskog Sparebank Past Earnings Performance
Past criteria checks 1/6
Høland og Setskogrebank's earnings have been declining at an average annual rate of -13.3%, while the Banks industry saw earnings growing at 15.1% annually. Revenues have been growing at an average rate of 2.6% per year. Høland og Setskogrebank's return on equity is 4.9%, and it has net margins of 3.7%.
Key information
-13.3%
Earnings growth rate
-13.5%
EPS growth rate
| Banks Industry Growth | 10.2% |
| Revenue growth rate | 2.6% |
| Return on equity | 4.9% |
| Net Margin | 3.7% |
| Last Earnings Update | 30 Sep 2024 |
Revenue & Expenses Breakdown
How Høland og Setskog Sparebank makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Sep 24 | 157 | 6 | 58 | 0 |
| 30 Jun 24 | 157 | 6 | 57 | 0 |
| 31 Mar 24 | 162 | 7 | 56 | 0 |
| 31 Dec 23 | 161 | 7 | 55 | 0 |
| 30 Sep 23 | 154 | 6 | 54 | 0 |
| 30 Jun 23 | 145 | 6 | 54 | 0 |
| 31 Mar 23 | 149 | -1 | 53 | 0 |
| 31 Dec 22 | 147 | 7 | 53 | 0 |
| 30 Sep 22 | 152 | -28 | 49 | 0 |
| 30 Jun 22 | 151 | -18 | 48 | 0 |
| 31 Mar 22 | 145 | 4 | 47 | 0 |
| 31 Dec 21 | 149 | 8 | 46 | 0 |
| 30 Sep 21 | 155 | 13 | 45 | 0 |
| 30 Jun 21 | 158 | 17 | 43 | 0 |
| 31 Mar 21 | 155 | 16 | 42 | 0 |
| 31 Dec 20 | 142 | 8 | 41 | 0 |
| 30 Sep 20 | 140 | 12 | 42 | 0 |
| 30 Jun 20 | 136 | 10 | 41 | 0 |
| 31 Mar 20 | 137 | 4 | 38 | 0 |
| 31 Dec 19 | 143 | 9 | 40 | 0 |
| 30 Sep 19 | 137 | 3 | 38 | 0 |
| 30 Jun 19 | 136 | 3 | 38 | 0 |
| 31 Mar 19 | 135 | 8 | 38 | 0 |
| 31 Dec 18 | 135 | 9 | 38 | 0 |
| 30 Sep 18 | 137 | 52 | 34 | 0 |
| 30 Jun 18 | 133 | 48 | 35 | 0 |
| 31 Mar 18 | 129 | 45 | 34 | 0 |
| 31 Dec 17 | 128 | 43 | 33 | 0 |
| 30 Sep 17 | 124 | 34 | 42 | 0 |
| 30 Jun 17 | 128 | 26 | 46 | 0 |
| 31 Mar 17 | 131 | 17 | 42 | 0 |
| 31 Dec 16 | 127 | 10 | 46 | 0 |
| 30 Sep 16 | 130 | 9 | 45 | 0 |
| 30 Jun 16 | 119 | 8 | 47 | 0 |
| 31 Mar 16 | 115 | 5 | 55 | 0 |
| 31 Dec 15 | 115 | 6 | 56 | 0 |
| 30 Sep 15 | 104 | 33 | 55 | 0 |
| 30 Jun 15 | 109 | 34 | 53 | 0 |
| 31 Mar 15 | 108 | 34 | 53 | 0 |
| 31 Dec 14 | 110 | 35 | 53 | 0 |
| 30 Sep 14 | 114 | 29 | 53 | 0 |
| 30 Jun 14 | 113 | 29 | 53 | 0 |
| 31 Mar 14 | 100 | 27 | 52 | 0 |
| 31 Dec 13 | 98 | 27 | 52 | 0 |
Quality Earnings: HSPG has high quality earnings.
Growing Profit Margin: HSPG's current net profit margins (3.7%) are lower than last year (4.2%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: HSPG's earnings have declined by 13.3% per year over the past 5 years.
Accelerating Growth: HSPG's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: HSPG had negative earnings growth (-10.1%) over the past year, making it difficult to compare to the Banks industry average (19.5%).
Return on Equity
High ROE: HSPG's Return on Equity (4.9%) is considered low.