Aasen Sparebank

AASB · OL · Financial Services / Banks - Regional

138.04NOK-0.46 (-0.33%)

Price History

Full chart

Market Stats

Previous Close138.50

Open138.04

Day Range138.04 – 138.04

52-Week Range114.87 – 145.00

Volume7

Market Cap245.63M

P/E (TTM)17.42

Forward P/E0.00

EPS8.15

Dividend Yield7.04%

Beta-0.02

50-Day Avg134.94

200-Day Avg136.44

About

Aasen Sparebank provides various banking products and services in Norway. The company offers savings account, savings account for children and home purchase, pension, long-term savings, and stocks. It also provides lease financing; and mortgage, car, green, and small loans. In addition, the company offers health, group life, travel, and occupational injury insurance; and bank card, credit card, online and mobile banking services, and payment solutions. Aasen Sparebank was founded in 1862 and is based in Åsen, Norway.

Company Details

SectorFinancial Services
IndustryBanks - Regional
CEOMr. Bjørn Asle Hynne
Employees47
HeadquartersStation Road 1, Åsen, Norway, 7630, Norway
Websitehttps://aasen-sparebank.no

Leadership

Mr. Bjørn Asle HynneCEO & MD
Ingrid NestvoldHead of Finance & Operations
Johan KarliCompliance Manager
Ms. Trude HynneHead of Sales & Marketing
Ms. Kjersti HusbyAdvisor Personal Market, Credit Manager Personal Market
Ms. Marianne SkredenAdvisor Insurance, Insurance Manager Corporate Market
Annikken KlukenController
Marthe SundalHead of Retail Market

Financials

Income Statement

Currency: NOK	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	77.24M	89.16M	96.91M	98.09M	109.77M	110.43M	112.97M	120.52M	177.22M	189.83M	199.85M
Growth (%)	-	+15.43%	+8.70%	+1.22%	+11.91%	+0.60%	+2.31%	+6.68%	+47.05%	+7.11%	+5.28%
EBITDA	81.25M	80.28M	89.08M	95.72M	110.48M	91.84M	86.94M	-	-	-	-
EBITDA Margin	105.19%	90.05%	91.93%	97.58%	100.64%	83.17%	76.95%	-	-	-	-
Net Income	22.63M	28.40M	30.64M	35.39M	40.56M	37.38M	40.72M	49.62M	76.34M	78.98M	81.93M
Net Income Margin	29.30%	31.86%	31.61%	36.08%	36.95%	33.86%	36.04%	41.17%	43.08%	41.61%	41.00%
Interest Expense	48.25M	41.66M	46.53M	47.88M	54.84M	40.84M	31.47M	70.05M	171.94M	244.28M	245.03M
Interest Expense % of Total Revenue	62.47%	46.73%	48.02%	48.81%	49.96%	36.98%	27.86%	58.13%	97.02%	128.68%	122.61%

Balance Sheet

Currency: NOK	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	2.73B	3.07B	3.45B	3.62B	3.88B	4.08B	4.94B	5.61B	6.20B	6.77B	7.18B
Total Liabilities	2.46B	2.73B	3.07B	3.21B	3.44B	3.55B	4.37B	4.93B	5.46B	5.94B	6.29B
Total Equity	268.74M	337.87M	380.86M	407.05M	439.20M	533.81M	568.33M	685.42M	742.44M	827.45M	886.69M
Cash	76.13M	66.33M	66.57M	68.17M	66.15M	13.52M	12.06M	69.09M	166.78M	80.73M	81.44M
Total Debt	580.52M	665.90M	697.94M	679.62M	751.99M	725.40M	965.09M	-	-	-	-
Net Debt	504.39M	599.57M	631.36M	611.45M	685.84M	711.88M	953.02M	954.46M	653.51M	802.64M	1.15B

Cash Flow

Currency: NOK	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	-74.00M	-137.21M	177.00M	24.71M	60.03M	13.97M	-55.77M	-62.35M	367.88M	-144.06M	-103.04M
Investing Cash Flow	-	-18.38M	-157.87M	-4.68M	-13.46M	-14.20M	-2.80M	-37.64M	4.89M	-	-
Financing Cash Flow	90.13M	126.79M	47.69M	-92.09M	29.23M	-45.47M	206.45M	109.81M	-237.23M	-	-
Capital Expenditure	3.78M	358.00K	2.72M	1.32M	7.29M	6.99M	1.21M	675.00K	929.00K	1.04M	1.30M
Free Cash Flow	-77.78M	-137.57M	174.28M	23.39M	52.75M	6.98M	-56.99M	-63.03M	366.95M	-145.10M	-104.35M
Dividends Paid	4.25M	3.15M	3.65M	8.92M	8.11M	8.85M	6.08M	7.60M	11.24M	15.57M	15.57M
FCF to OCF	105.11%	100.26%	98.46%	94.67%	87.87%	49.98%	102.18%	101.08%	99.75%	100.73%	101.27%
Dividend Paid to FCF	-5.47%	-2.29%	2.10%	38.14%	15.38%	126.78%	-10.67%	-12.05%	3.06%	-10.73%	-14.92%

Earnings

Report Date	Mar 31, 2016	Jun 30, 2016	Sep 30, 2016	Dec 31, 2016	Mar 31, 2017	Jun 30, 2017	Sep 30, 2017	Dec 31, 2017	Mar 31, 2018	Jun 30, 2018	Sep 30, 2018	Dec 31, 2018	Mar 31, 2019	Jun 30, 2019	Sep 30, 2019	Dec 31, 2019	Mar 31, 2020	Jun 30, 2020	Sep 30, 2020	Mar 4, 2021	May 12, 2021	Aug 28, 2021	Nov 11, 2021	Mar 3, 2022	May 12, 2022	Aug 11, 2022	Nov 10, 2022	Mar 2, 2023	May 11, 2023	Aug 10, 2023	Nov 9, 2023	Mar 12, 2024	May 8, 2024	Aug 13, 2024	Nov 7, 2024	Mar 6, 2025	May 28, 2025	Sep 3, 2025	Dec 3, 2025	Feb 25, 2026	Jun 3, 2026	Sep 2, 2026
EPS Estimate	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.60	-	3.30	2.40	1.50	2.40	3.45	3.26	3.48	3.51	3.66	2.86	2.57	2.49	2.95	2.81	2.83	2.49	2.06
EPS Actual	11.16	27.01	18.25	4.74	7.66	8.76	5.26	7.88	5.55	9.02	8.56	9.49	7.48	10.85	10.22	8.83	1.25	3.62	1.55	1.83	1.84	3.44	1.82	6.29	1.31	11.03	8.89	0.31	2.35	3.85	3.40	1.82	9.55	3.92	3.27	2.80	2.77	3.56	3.37	3.30	2.67	2.61
Surprise	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	141.92%	-	234.24%	270.42%	-79.33%	-1.90%	11.59%	4.35%	-47.70%	172.08%	7.10%	14.20%	8.95%	11.08%	20.70%	19.89%	16.49%	7.22%	26.50%
Timing	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	Pre-market	After-hours	After-hours	After-hours	Pre-market	After-hours	Pre-market	Pre-market	Pre-market	After-hours	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	-	-	-	-	-	-

Key Statistics & Ratios

Market Cap245.63M

Enterprise Value686.71M

Trailing P/E17.42

Forward P/E0.00

Price / Sales1.27

Price / Book0.26

EPS8.15

Book Value480.07

Revenue (TTM)194.05M

Gross Profit (TTM)194.05M

Profit Margin39.84%

Operating Margin50.11%

Return on Equity8.85%

Return on Assets1.07%

Shares Outstanding1.73M

Shares Float1.29M

Beta-0.02

Dividend Yield7.04%

Dividend Rate10.00

Payout Ratio83.74%

Dividends

20261×

10.00Mar 20, 2026

20251×

9.00Mar 21, 2025

20241×

9.00Mar 22, 2024

20231×

6.50Mar 17, 2023

20221×

6.54Mar 18, 2022

20201×

7.48Mar 10, 2020

20191×

8.22Mar 1, 2019

20181×

7.48Mar 2, 2018

20172×

4.07Mar 8, 20174.35Mar 7, 2017

20161×

7.48Feb 26, 2016