)
Edge6 Feb 2026
SharkNinja: Viral by Design
How SharkNinja built a repeatable growth engine, turning overlooked appliance categories into global brands through consumer insight and iteration.
Rogaland Sparebank
Rogaland Sparebank (ROGS) investor relations material
Rogaland Sparebank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary11 Feb, 2026
Executive summary
Net profit after tax for 2025 was NOK 480 million, up from last year, mainly due to higher net interest income, with a return on equity of 11.3%.
Lending growth over 12 months reached 9.9%, with total lending increasing by NOK 3.4 billion year-over-year.
The board proposes a dividend of NOK 11.7 per equity certificate, representing a payout ratio of 93%.
Assets under management increased to NOK 44 billion.
The bank celebrated its 150th anniversary, increasing its community gift fund to NOK 40 million.
Financial highlights
Net interest income for 2025 was NOK 784 million, up 9% year-over-year, driven by increased lending volume and the Hjelmeland Sparebank merger.
Net interest margin was 1.88% for 2025, down from 1.95% in 2024.
Cost-to-income ratio improved to 40.3% in 2025 from 42.6% in 2024.
Loan losses and write-downs for 2025 totaled NOK 65.3 million, mainly due to two corporate bankruptcies in Q4.
Earnings per equity certificate reached NOK 12.5 in 2025.
Outlook and guidance
The bank expects continued growth opportunities in the Rogaland region, with strong market activity in energy, technology, and construction.
Cost base for banking operations is expected to remain around NOK 100 million per quarter in 2026.
The bank is well-capitalized and positioned for further growth in 2026.
Financial targets for 2025-2028 include ROE above 11%, profitable growth above 5%, and CET1 above 16.15%.
Dividend policy allows for a payout ratio of up to 100% of group profit after tax.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Rogaland Sparebank earnings date
Q1 20266 May, 2026
Rogaland Sparebank
Next Rogaland Sparebank earnings date
Q1 20266 May, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Rogaland Sparebank is a Norwegian savings bank that provides retail and corporate banking services. The bank offers loans, savings accounts, mortgages, payment solutions, and insurance products. It operates primarily in the Rogaland region, serving private customers, small businesses, and local enterprises. The company is headquartered in Sauda, Norway, and its shares are listed on the OSL.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage