YOLFTbeta
Flekkefjord Sparebank

Flekkefjord Sparebank

FFSB · OL · Financial Services / Banks - Regional

112.00NOK-2.98 (-2.59%)

Price History

Full chart

Market Stats

Previous Close114.98
Open112.52
Day Range112.00 – 112.52
52-Week Range113.00 – 124.98
Volume1.00K
Market Cap166.93M
P/E (TTM)1.36
Forward P/E0.00
EPS83.25
Dividend Yield5.66%
Beta0.21
50-Day Avg115.98
200-Day Avg119.48

About

Flekkefjord Sparebank, a savings bank, provides banking services for retail and corporate markets in Flekkefjord, Egersund, Farsund, Hægebostad, Kristiansand, Kvinesdal, Lindesnes, Lund, Lyngdal, and Sirdal and Sokndal. It offers mortgage, car, boat, mortgages for young people, cottage, and construction loans; bank, Boligsparing for ungdom, mutual fund, Borea, stock trading, and retirement savings; and business loans/credit and financing, guarantees, and leasing facilities. The company also provides life and personal, house and contents, vehicle, travel and leisure, property, and liability insurance products; and mobile and online banking, cards, accounts, bankID, watch and mobile payment, foreign payments, contract giro and eInvoice, telebank, and Vips services, as well as pension services. Flekkefjord Sparebank was founded in 1837 and is headquartered in Flekkefjord, Norway.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Rolf Lien
  • Employees71
  • HeadquartersBrogaten 18, Flekkefjord, Norway, 4400, Norway
  • Websitehttps://flekkefjordsparebank.no

Leadership

  • Mr. Rolf LienActing Chief Executive Officer · b. 1970
  • Mr. Lars AanensenChief Financial Officer · b. 1991
  • Serina Svindland BakketeigTechnology Director · b. 1988
  • Else Tove BirkelandHead of Credit Support & Employee-Elected Board Member
  • Mikal RingsbyeDirector of Corporate Market & Member of General Assembly, Employee Selected · b. 1996
  • Mr. Atle OsenAccounting Manager
  • Oyvind Vagen JaegtnesHead of Risk & Compliance
  • Erik LitleheiHead of Sales, Insurance PM & Member of General Assembly
  • Henriette BakkeHR Manager & Member of General Assembly, Employee Selected
  • Kim IngebretsenHead of Corporate Marketing · b. 1975

Financials

Income Statement

Currency: NOK2015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue89.63M109.08M106.60M122.06M119.89M107.75M189.00M278.50M488.84M649.38M335.63M
Growth (%)-+21.70%-2.27%+14.50%-1.77%-10.13%+75.40%+47.35%+75.52%+32.84%-48.32%
Cost of Revenue------43.10M85.20M227.05M338.71M-
Gross Profit89.63M109.08M106.60M122.06M119.89M107.75M145.90M193.30M261.78M310.67M-
Gross Margin100.00%100.00%100.00%100.00%100.00%100.00%77.20%69.41%53.55%47.84%-
Operating Expense45.00M29.96M47.77M51.61M38.84M42.07M81.30M119.20M134.01M159.44M-
Operating Income44.63M79.12M58.83M70.45M81.06M65.68M64.60M74.10M127.77M151.22M-
Operating Margin49.80%72.53%55.18%57.72%67.61%60.96%34.18%26.61%26.14%23.29%-
EBITDA----81.06M65.68M68.60M81.30M137.06M159.38M-
EBITDA Margin----67.61%60.96%36.30%29.19%28.04%24.54%-
Net Income25.07M56.44M39.11M47.81M42.36M34.80M56.20M61.30M101.46M123.70M126.69M
Net Income Margin27.98%51.74%36.69%39.17%35.33%32.30%29.74%22.01%20.76%19.05%37.75%
Interest Expense------43.10M85.20M227.05M338.71M408.32M
Interest Expense % of Total Revenue------22.80%30.59%46.45%52.16%121.66%

Balance Sheet

Currency: NOK2015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets6.04B6.19B6.48B6.82B6.92B7.13B7.76B8.48B9.74B10.90B12.84B
Total Liabilities5.39B5.49B5.75B6.03B6.10B6.20B6.78B7.44B8.49B9.41B11.27B
Total Equity654.26M704.85M738.96M781.77M819.13M929.78M980.30M1.03B1.24B1.49B1.57B
Cash75.44M76.10M82.80M85.68M245.82M111.67M87.00M88.70M81.49M87.93M88.81M
Total Debt1.38B1.45B1.55B1.55B750.00M1.12B1.27B1.38B1.66B2.07B-
Net Debt1.30B1.38B1.47B1.46B504.18M1.01B1.19B1.29B1.58B1.98B2.78B

Cash Flow

Currency: NOK2015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-617.32M-97.72M-217.79M-229.69M405.80M95.85M-36.90M129.50M-323.94M-468.09M-595.30M
Investing Cash Flow25.91M-21.20M-27.50M-44.24M-20.08M-3.43M-27.30M-133.00M-53.41M-27.23M-79.81M
Financing Cash Flow562.94M119.58M251.99M276.81M-251.86M-226.56M134.20M73.70M321.99M424.86M662.21M
Capital Expenditure1.88M1.36M8.29M450.00K4.04M022.80M36.10M27.01M9.95M21.54M
Free Cash Flow-619.20M-99.09M-226.08M-230.14M401.76M95.85M-59.70M93.40M-350.96M-478.03M-616.83M
FCF to OCF100.30%101.40%103.81%100.20%99.01%100.00%161.79%72.12%108.34%102.12%103.62%

Earnings

Report DateAug 28, 2024Nov 7, 2024Feb 11, 2025May 8, 2025Sep 3, 2025Nov 6, 2025Mar 12, 2026Jun 3, 2026Sep 2, 2026
EPS Estimate-2.012.352.702.252.202.232.931.70
EPS Actual17.582.712.712.642.222.602.532.451.37
Surprise-34.83%15.32%-2.22%-1.16%18.18%13.45%-16.25%-19.61%
Timing-After-hoursAfter-hoursAfter-hours-After-hoursAfter-hours--

Key Statistics & Ratios

Market Cap166.93M
Enterprise Value3.14B
Trailing P/E1.36
Forward P/E0.00
Price / Sales0.52
Price / Book0.10
EPS83.25
Book Value984.11
Revenue (TTM)323.31M
Gross Profit (TTM)323.31M
Profit Margin38.72%
Operating Margin42.94%
Return on Equity8.06%
Return on Assets1.00%
Shares Outstanding1.48M
Shares Float1.45M
Beta0.21
Dividend Yield5.66%
Dividend Rate6.40
Payout Ratio71.50%

Dividends

20261×
6.40Mar 27, 2026
20251×
4.60Apr 1, 2025