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    Banks - Regional
Aurskog Sparebank

Aurskog Sparebank

AURG.OL
Aurskog SparebankNO flagOslo Stock Exchange
252.00
NOK
-3.95
- -
1.16BMarket Cap
Aurskog Sparebank
AURG.OL
(Oslo Stock Exchange)

Recent

price

252.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
117.77
108.33
98.94
87.9
86.22
77.83
85.32
62.31
64.75
60.69
60.48
67.86
76.63
94.99
103.02
113.26
113.69
Revenue per Share
39.49
28.46
35
28.65
29.66
25.06
36.48
24.06
27.26
28.12
26.54
30.52
38.42
46.4
51
56.22
55.87
Basic EPS, GAAP
122.51
-99.35
78.68
-17.77
47.84
-176.24
-4.88
0.74
36.78
32.4
18.12
-187.71
-6.76
-82.5
-161.21
-113.62
-134.7
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
7.75
5.38
6.91
6.28
8.48
7.71
8
10
15
15
- -
Dividend per Share
56.84
56.63
69.1
69.1
69.1
80.63
80.63
274.98
302.91
77.1
77.1
77.1
100
100
437.33
484.08
464.72
Book Value per Share
303.51
330.05
290.75
293.33
325.89
374.51
401.96
318.24
337.72
317.43
336.53
362.09
412.45
469.88
505.64
552.67
544.35
Tangible Book Value per Share
1
1
2
2
2
2
2
3
3
4
4
4
5
5
5
5
5
Basic Weighted Avg Shares
164
151
196
191
188
186
204
215
223
253
252
283
354
439
476
524
526
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
53.02
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
3
3
3
4
3
3
3
8
4
4
4
5
5
7
8
10
11
Depreciation Expense
55
40
69
62
65
60
87
83
94
117
111
127
178
214
236
260
258
Net Income, GAAP
24.82
28.82
23.26
21.85
25.58
26.44
19.35
21.99
22.4
21.94
21.22
22.06
23.16
23.22
22.6
22.35
22.3
Effective Tax Rate (%)
33.53
26.27
35.37
32.6
34.4
32.2
42.76
38.62
42.09
46.33
43.88
44.98
50.13
48.85
49.5
49.64
49.14
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
2,768
2,683
2,626
2,603
2,455
2,131
2,158
2,406
2,855
3,120
3,220
3,862
4,016
4,717
5,433
6,259
6,314
LT Debt
422
460
575
638
709
896
962
1,096
1,164
1,323
1,403
1,510
1,907
2,172
2,337
2,555
2,516
Total Equity
- -
- -
- -
- -
- -
- -
2.82
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
69.1
50.16
64.25
43.44
42.92
34.93
45.25
14.54
9.43
17.18
34.42
39.59
45.32
46.4
18.98
12.2
12.63
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
5
5
5
Market Capitalization
1,118
1,249
1,183

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
82
76
79
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
11.19%
12.95%
9.3%
Free Cash Flow
458.42%
-9.26%
-29.52%
Net Income, GAAP
16.86%
19.1%
10.24%
Sales/Revenue/Turnover
11.15%
15.95%
9.93%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
112
127
123
115
476
2025
116
140
127
141
524
2026
118
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
11.34
15.23
11.99
12.43
51
2025
11.38
16.78
12.48
15.57
56.22
2026
11.04
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
15
2025
- -
- -
- -
- -
15
2026
- -
- -
- -
- -
- -
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Business
Aurskog Sparebank operates as a regional Norwegian savings bank offering a comprehensive range of banking, lending, insurance, and digital financial services to individual and corporate customers primarily in the Romerike district of Akershus and surrounding areas. The bank provides savings accounts and pension products; mortgage, car, construction, green business, overdraft, and leasing loans, along with bank guarantees; credit cards; and payment solutions including foreign payments, direct debit, and mobile/online banking. It also offers extensive insurance coverage encompassing liability, work machine, data attack, farm building, crop operating equipment, property damage, health, homeowners, home contents, craftsman, commercial vehicle, business, personnel, travel, occupational injury, agriculture, vehicle, staff, and goods-in-transit policies. Aurskog Sparebank maintains branches in Bjørkelangen, Årnes, Jessheim, Askim, Gjøvik, Nannestad, and Sørumsand, and serves as a co-owner and key member of the Eika Alliance, enabling access to broader financial products and covered bond funding such as through Eika Boligkreditt. Founded in 1846 and headquartered at Senterveien 15 in Aurskog, Norway, the bank employs approximately 69 staff and lists its equity certificates on Oslo Børs under the ticker AURG. Recent developments include a capital raise of about NOK 200 million in April 2022 to fuel growth and bolster buffers; the issuance of a Green and Social Bond Framework with allocations to environmental projects over three years as of December 2025; and in November 2025, acquiring a minority stake in financing company Brage Finans alongside Haugesund Sparebank and Orkla Sparebank to expand strategic ownership interests.