What is Rogaland Sparebank's (ROGS.OL) StockRank?

MoatMap's StockRank for Rogaland Sparebank (ROGS.OL) is 39/100, with a Hold signal. This is a composite score combining Quality (36), Value (49), and Momentum (45) factor ranks across MoatMap's 20,000+ stock universe.

Does Rogaland Sparebank have an economic moat?

Rogaland Sparebank (ROGS.OL) has a Quality factor score of 36/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Rogaland Sparebank a buy, hold, or sell?

MoatMap's current signal for Rogaland Sparebank (ROGS.OL) is Hold, based on a StockRank of 39/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is Rogaland Sparebank in?

Rogaland Sparebank (ROGS.OL) operates in the Financial Services sector, specifically the Banks - Regional industry (Norway).

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ROGS.OL

HOLDREMOVE

Rogaland Sparebank · Financial Services · Norway · $372M · Avg Vol: $65K/d

StockRank

P/E (TTM)

13.0x

ROE

10.9%

D/E

—

Dividend %

8.1%

Director Trades · 180d

None in 180d →

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

Rogaland Sparebank is a Norwegian regional savings bank. It is a highly localized financial business with no connection to our core global macro themes.

COMPANY DESCRIPTION

Rogaland Sparebank is an independent regional savings bank serving retail and corporate clients in the economically vibrant Rogaland region of Norway. The bank focuses on personalized customer service, local decision-making, and competitive mortgage and commercial lending products. Its competitive moat is built on deep local market knowledge, high customer retention, and a conservative risk profile.

FINANCIAL SUMMARY (USD)

Year	2021	2022	2023	2024	2025	CAGR
Revenue	—	70M	83M	97M	111M	16.9%
EPS	0.92	0.88	1.08	1.37	—	14.3%
Shares	—	23M	23M	25M	25M	+8.8%
Debt	—	1.6B	1.7B	1.9B	2.2B	10.5%
Equity	—	367M	392M	462M	492M	10.3%
Op CF	—	-146M	-15M	-48M	-176M	—
Inv CF	—	-7M	13M	26M	3M	—
Fin CF	—	159M	-2M	36M	147M	—

PRICE (1M)+0.0%

SMA 50SMA 200

$15.91

RSI (14)

45.4

52W High

$16.76

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.1%*43.4

ROE

10.9%54.6

GP/Assets

2.2%24.3

Op. Margin

48.7%71.5

FCF/Assets

—N/A

Piotroski

—20.6

Int. Cover

—N/A

D/E Ratio

—N/A

Current Ratio

—N/A

Value

P/E (TTM)

13.0x49.4

EV/EBITDA

—N/A

P/FCF

—N/A

P/B

0.8x73.5

P/S

3.5x47.1

Div Yield

8.1%89.7

Momentum

52W High %

95%63.0

RS 6M

-13%33.5

SMA 50/200

1.09x72.0

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

+7%27.5

Q Growth

-7%23.5

FUNDAMENTALS

Market Cap

$372M

P/E (Forward)

12.2x

Gross Margin

0.0%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of ROGS.OL are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
ROGS.OL	Rogaland Sparebank(you)	$372M	39	HOLD
SOAG.OL	SpareBank 1 Østfold Akershus	$597M	39	HOLD
MORG.OL	Sparebanken Møre	$605M	41	HOLD
SKUE.OL	Skue Sparebank	$209M	43	HOLD
SPOG.OL	Sparebanken Øst	$167M	40	HOLD
INSTA.OL	Instabank ASA	$210M	49	HOLD
JAREN.OL	Jæren Sparebank	$184M	31	SELL
PARB.OL	Pareto Bank ASA	$581M	25	SELL
HELG.OL	SpareBank 1 Helgeland	$493M	20	SELL
RING.OL	SpareBank 1 Ringerike Hadeland	$740M	62	HOLD

Peer medians: ROE 13.1% · P/E 10.8x · Gross margin 0.0%

Rogaland Sparebank (ROGS.OL) — Stock Score Summary

Rogaland Sparebank (ROGS.OL) has a MoatMap StockRank of 39/100 based on Quality (36/100), Value (49/100), and Momentum (45/100) factor scores. The current signal is HOLD. Rogaland Sparebank is a Norwegian regional savings bank. It is a highly localized financial business with no connection to our core global macro themes.

Key Financial Metrics

Price	$15.91
Market Cap	$372M
P/E (TTM)	12.97
P/E (Forward)	12.16
Price/Book	0.78
Return on Equity	10.9%
Gross Margin	0.0%
Operating Margin	48.7%
Revenue Growth	-4.1%
Dividend Yield	8.1%

Rogaland Sparebank operates in the Banks - Regional industry, part of the Financial Services sector (Norway).

Frequently Asked Questions

What is Rogaland Sparebank’s (ROGS.OL) StockRank?: MoatMap’s StockRank for Rogaland Sparebank (ROGS.OL) is 39/100, with a Hold signal. It is a composite of Quality (36), Value (49), and Momentum (45) factor ranks across MoatMap’s 20,000+ stock universe.
Does Rogaland Sparebank have an economic moat?: Rogaland Sparebank (ROGS.OL) has a Quality factor score of 36/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Rogaland Sparebank a buy, hold, or sell?: MoatMap’s current signal for Rogaland Sparebank (ROGS.OL) is Hold, based on a StockRank of 39/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Rogaland Sparebank in?: Rogaland Sparebank (ROGS.OL) operates in the Financial Services sector, specifically the Banks - Regional industry (Norway).