Aurskog Sparebank (AURG) Fair Value & Analysis

Financial Services · NO · Market cap 1.2B NOK

Below-average quality, screening 96% undervalued on our models.

What matters now

• The large discount to fair value meets weak quality (40/100). That raises the risk this is a value trap rather than a bargain.
• The price is below even our cautious bear case (kr 378.08). The market is more pessimistic than our downside scenario.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 12, 2026.

How to read this chart

60‑month range kr 115.98 – kr 262.80 · fair‑value band kr 378.08 – kr 630.13 · the kr 256.95 price screens below the kr 504.10 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 12, 2026.

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Analysis

Aurskog Sparebank (AURG) currently trades at kr 256.95, while our model-based Fair Value estimate is kr 504.10, implying the stock looks roughly 96.2% undervalued today. The Quality Score stands at 40/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, Aurskog Sparebank generated revenue of 520M NOK at a net margin of 49.7%. Revenue grew 2.8% year over year. It earns a return on equity of 10.7%. Net debt stands at 6.2B NOK. Fundamentals as of Jul 12, 2026

Our scenario range runs from kr 378.08 (bear case) to kr 630.13 (bull case); at kr 256.95, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 3% below its 52-week high and 20% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 96%, AURG screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Multiples (kr 730.80) versus Dividend Discount (kr 172.09). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

About the company

Aurskog Sparebank provides various banking products and services for individuals and corporate customers in Norway. The company offers business, investment, deposit, agricultural, and client, as well as group accounts systems.

Full company description

Aurskog Sparebank provides various banking products and services for individuals and corporate customers in Norway. The company offers business, investment, deposit, agricultural, and client, as well as group accounts systems. It also provides green business, bank guarantee, business, and construction loans, as well as factoring, overdraft, and leasing services; green agricultural loans; mortgages; refinancing consumer debt, car, motorcycle, motorhomes, boats and ATVs; and consumer loans. In addition, it offers payment solutions, such as AgreementGiro, corporate connect, eInvoice, pay with KID, in-store cash services, and payment terminal, as well as business card and credit cards. Further, it offers agriculture, vehicle, staff and employee's, and business and value insurances; contents, dog, travel, child, valuables, home, car and other vehicles, house and belongings, life and health, and animal insurances; online banking and mobile banking; and pension and savings products. Aurskog Sparebank was founded in 1846 and is headquartered in Aurskog, Norway.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Aurskog Sparebank reported revenue of kr 524M in FY2025 versus kr 374M in FY2021, a compound +8.8%/yr. Reported net income was kr 260M in FY2025, compounding +19.5%/yr from FY2021.

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Peer Group

Banks - Regional · 1083 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Insider activity: 35/100

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.