Høland og Setskog Sparebank

OB:HSPG Stock Report

Market Cap: NOK 99.7m

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 Growth10.2%
Revenue growth rate2.6%
Return on equity4.9%
Net Margin3.7%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Is It Smart To Buy Høland og Setskog Sparebank (OB:HSPG) Before It Goes Ex-Dividend?

Feb 28
Is It Smart To Buy Høland og Setskog Sparebank (OB:HSPG) Before It Goes Ex-Dividend?

How Does Høland og Setskog Sparebank (OB:HSPG) Stand Up To These Simple Dividend Safety Checks?

Jan 06
How Does Høland og Setskog Sparebank (OB:HSPG) Stand Up To These Simple Dividend Safety Checks?

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

OB:HSPG Revenue, expenses and earnings (NOK Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 241576580
30 Jun 241576570
31 Mar 241627560
31 Dec 231617550
30 Sep 231546540
30 Jun 231456540
31 Mar 23149-1530
31 Dec 221477530
30 Sep 22152-28490
30 Jun 22151-18480
31 Mar 221454470
31 Dec 211498460
30 Sep 2115513450
30 Jun 2115817430
31 Mar 2115516420
31 Dec 201428410
30 Sep 2014012420
30 Jun 2013610410
31 Mar 201374380
31 Dec 191439400
30 Sep 191373380
30 Jun 191363380
31 Mar 191358380
31 Dec 181359380
30 Sep 1813752340
30 Jun 1813348350
31 Mar 1812945340
31 Dec 1712843330
30 Sep 1712434420
30 Jun 1712826460
31 Mar 1713117420
31 Dec 1612710460
30 Sep 161309450
30 Jun 161198470
31 Mar 161155550
31 Dec 151156560
30 Sep 1510433550
30 Jun 1510934530
31 Mar 1510834530
31 Dec 1411035530
30 Sep 1411429530
30 Jun 1411329530
31 Mar 1410027520

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 (18.2%).

Return on Equity

High ROE: HSPG's Return on Equity (4.9%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/02 21:58
End of Day Share Price 2025/01/02 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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

Høland og Setskog Sparebank is covered by 1 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.

AnalystInstitution
Žilvinas JusaitisNorne Securities AS