Helgeland Sparebank

HELG · OL · Financial Services / Banks - Regional

174.52NOK-0.48 (-0.27%)

Price History

Full chart

Market Stats

Previous Close175.00

Open174.50

Day Range173.02 – 177.50

52-Week Range150.00 – 184.94

Volume2.08K

Market Cap4.69B

P/E (TTM)12.89

Forward P/E0.00

EPS13.50

Dividend Yield4.41%

Beta0.13

50-Day Avg166.16

200-Day Avg166.18

About

SpareBank 1 Helgeland provides various banking products and services to private customers, small and medium-sized enterprises, municipalities, and institutions in Norway. The company operates in two segments, Corporate Market and Retail Market. It offers savings, investment, pension, and insurance products; leasing and mortgage loans; bank and credit cards; and online and mobile banking, and payment services, as well as buys and sells homes. The company is also involved in owning and operating of business premises; and real estate rental business. SpareBank 1 Helgeland was founded in 1860 and is headquartered in Mo i Rana, Norway.

Company Details

SectorFinancial Services
IndustryBanks - Regional
CEOMs. Hanne Johansen Nordgaard
Employees149
HeadquartersJernbanegata 15, Mo i Rana, Norway, 8622, Norway
Websitehttps://www.sparebank1.no/nb/helgeland/privat.html

Leadership

Ms. Hanne Johansen NordgaardMD & Chief Executive Officer · b. 1971
Ms. Anne EkrollChief Financial Officer · b. 1965
Ms. Cecilie JohnsenChief Risk Officer
Mr. Dag Hugo Gangmark HeimstadDirector of Retail Market · b. 1968
Mr. Øyvind KarlsenDirector of Business Management · b. 1965
Mr. Bjørn-Tore BrønlundDirector of Corporate Market
Mats SorengPersonal Alternate Member
Ida VaremPersonal Alternate Member

Financials

Income Statement

Currency: NOK	2000-12-31	2001-12-31	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	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

Currency: NOK	2000-12-31	2001-12-31	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	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	387.75M	489.80M	514.12M	466.83M	340.10M	594.26M	693.98M	925.67M	1.20B	857.00M	918.00M	967.00M	1.08B	1.16B	1.20B	1.03B	1.06B	1.02B	1.06B	1.24B	1.28B	913.00M	1.41B	2.20B	2.54B	1.18B
Growth (%)	-	+26.32%	+4.96%	-9.20%	-27.15%	+74.73%	+16.78%	+33.39%	+29.96%	-28.76%	+7.12%	+5.34%	+11.89%	+7.30%	+3.10%	-13.70%	+3.10%	-4.23%	+4.02%	+16.78%	+3.55%	-28.84%	+54.44%	+55.74%	+15.71%	-53.40%
Cost of Revenue	-	-	-	-	-	-	-	-	796.00M	478.00M	476.00M	591.00M	653.00M	633.00M	631.00M	477.00M	358.00M	362.00M	391.00M	519.00M	368.00M	233.00M	491.00M	993.00M	1.27B	-
Gross Profit	-	-	-	-	-	-	-	-	407.00M	379.00M	442.00M	376.00M	429.00M	528.00M	566.00M	556.00M	707.00M	658.00M	670.00M	720.00M	915.00M	680.00M	919.00M	1.20B	1.27B	-
Gross Margin	-	-	-	-	-	-	-	-	33.83%	44.22%	48.15%	38.88%	39.65%	45.48%	47.28%	53.82%	66.38%	64.51%	63.15%	58.11%	71.32%	74.48%	65.18%	54.78%	50.02%	-
Operating Expense	-	-	-	-	-	-	-	-	230.00M	246.00M	241.00M	243.00M	257.00M	262.00M	259.00M	276.00M	255.00M	310.00M	485.00M	336.00M	525.00M	416.00M	356.00M	553.00M	528.00M	-
Operating Income	84.58M	162.31M	157.57M	23.95M	87.32M	140.04M	292.79M	739.77M	177.00M	133.00M	201.00M	133.00M	172.00M	266.00M	307.00M	280.00M	452.00M	348.00M	185.00M	384.00M	390.00M	264.00M	563.00M	650.00M	743.00M	-
Operating Margin	21.81%	33.14%	30.65%	5.13%	25.68%	23.57%	42.19%	79.92%	14.71%	15.52%	21.90%	13.75%	15.90%	22.91%	25.65%	27.11%	42.44%	34.12%	17.44%	30.99%	30.40%	28.92%	39.93%	29.60%	29.24%	-
EBITDA	-	-	-	-	-	-	-	-	189.00M	146.00M	218.00M	152.00M	192.00M	287.00M	324.00M	300.00M	472.00M	366.00M	203.00M	403.00M	414.00M	288.00M	592.00M	683.00M	775.00M	-
EBITDA Margin	-	-	-	-	-	-	-	-	15.71%	17.04%	23.75%	15.72%	17.74%	24.72%	27.07%	29.04%	44.32%	35.88%	19.13%	32.53%	32.27%	31.54%	41.99%	31.10%	30.50%	-
Net Income	-	-	-	-	-	-	34.27M	190.89M	128.00M	99.00M	152.00M	93.00M	123.00M	193.00M	240.00M	208.00M	350.00M	273.00M	149.00M	305.00M	340.00M	205.00M	445.00M	490.00M	571.00M	504.00M
Net Income Margin	-	-	-	-	-	-	4.94%	20.62%	10.64%	11.55%	16.56%	9.62%	11.37%	16.62%	20.05%	20.14%	32.86%	26.76%	14.04%	24.62%	26.50%	22.45%	31.56%	22.31%	22.47%	42.57%
Interest Expense	0	0	0	0	0	0	0	0	796.00M	478.00M	476.00M	591.00M	653.00M	633.00M	631.00M	477.00M	358.00M	362.00M	391.00M	519.00M	368.00M	233.00M	491.00M	993.00M	1.27B	1.34B
Interest Expense % of Total Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	66.17%	55.78%	51.85%	61.12%	60.35%	54.52%	52.72%	46.18%	33.62%	35.49%	36.85%	41.89%	28.68%	25.52%	34.82%	45.22%	49.98%	113.60%

Balance Sheet

Currency: NOK	2000-12-31	2001-12-31	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	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

Currency: NOK	2000-12-31	2001-12-31	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	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	4.99B	5.52B	6.10B	6.34B	6.53B	12.37B	12.65B	14.26B	16.59B	18.38B	20.16B	22.80B	24.59B	25.94B	25.86B	27.13B	29.38B	31.85B	32.97B	34.07B	33.21B	39.43B	38.63B	36.86B	38.97B	41.06B
Total Liabilities	4.64B	5.15B	5.71B	6.02B	5.99B	11.26B	11.43B	12.90B	15.11B	16.82B	18.50B	21.12B	22.80B	23.95B	23.68B	24.58B	26.18B	28.56B	29.65B	30.50B	29.39B	34.81B	33.69B	31.81B	33.75B	35.65B
Total Equity	346.44M	374.46M	385.17M	319.16M	543.65M	1.11B	1.22B	1.37B	1.48B	1.56B	1.66B	1.68B	1.79B	1.99B	2.18B	2.55B	3.21B	3.29B	3.32B	3.56B	3.82B	4.62B	4.93B	5.05B	5.22B	5.41B
Cash	90.67M	107.73M	91.67M	212.63M	297.26M	692.37M	238.95M	1.10B	593.00M	539.00M	273.00M	118.00M	92.00M	99.00M	103.00M	91.00M	93.00M	87.00M	82.00M	88.00M	76.00M	73.00M	71.00M	83.00M	124.00M	94.00M
Total Debt	-	-	-	-	-	-	-	-	5.79B	5.80B	7.18B	9.24B	10.51B	10.07B	9.66B	9.87B	10.67B	12.27B	12.91B	11.34B	10.42B	11.03B	8.29B	6.80B	8.35B	-
Net Debt	-	-	-	-	-	-	-	-	5.20B	5.26B	6.91B	9.12B	10.42B	9.97B	9.56B	9.78B	9.72B	11.32B	12.18B	11.25B	10.34B	10.95B	8.22B	6.72B	8.23B	8.89B

Cash Flow

Currency: NOK	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	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

Currency: NOK	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	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	-	-	-240.00M	473.00M	-670.00M	-775.00M	-1.14B	982.00M	279.00M	-776.00M	144.00M	-1.13B	-576.00M	1.85B	342.00M	-465.00M	3.94B	663.00M	-163.00M	501.00M
Investing Cash Flow	-	-	-520.00M	-622.00M	-951.00M	-1.12B	-163.00M	-73.00M	16.00M	283.00M	9.00M	-45.00M	-17.00M	-89.00M	739.00M	-702.00M	-177.00M	1.04B	-112.00M	-406.00M
Financing Cash Flow	-	-	1.22B	-12.00M	1.39B	1.96B	1.24B	-573.00M	-223.00M	316.00M	-138.00M	1.13B	585.00M	-1.47B	-1.22B	1.40B	-3.18B	-2.29B	815.00M	-95.00M
Capital Expenditure	0	0	9.00M	27.00M	53.00M	98.00M	41.00M	9.00M	15.00M	20.00M	30.00M	38.00M	9.00M	90.00M	21.00M	162.00M	99.00M	64.00M	37.00M	19.00M
Free Cash Flow	-	-	-249.00M	446.00M	-723.00M	-873.00M	-1.18B	973.00M	264.00M	-796.00M	114.00M	-1.13B	-585.00M	1.76B	321.00M	-627.00M	3.84B	599.00M	-200.00M	483.00M
Dividends Paid	-	-	37.00M	18.00M	7.00M	51.00M	35.00M	24.00M	41.00M	48.00M	52.00M	78.00M	83.00M	33.00M	56.00M	65.00M	108.00M	329.00M	361.00M	279.00M
FCF to OCF	-	-	103.75%	94.29%	107.91%	112.65%	103.61%	99.08%	94.62%	102.58%	79.17%	100.00%	101.56%	95.13%	93.86%	134.84%	97.49%	90.35%	122.70%	96.41%
Dividend Paid to FCF	-	-	-14.86%	4.04%	-0.97%	-5.84%	-2.97%	2.47%	15.53%	-6.03%	45.61%	-6.89%	-14.19%	1.88%	17.45%	-10.37%	2.81%	54.92%	-180.50%	57.76%

Earnings

Report Date	Oct 28, 2009	Feb 10, 2010	May 4, 2010	Aug 10, 2010	Oct 26, 2010	Feb 14, 2011	Apr 27, 2011	Aug 29, 2011	Oct 26, 2011	Feb 23, 2012	May 2, 2012	Aug 15, 2012	Oct 31, 2012	Feb 21, 2013	Apr 29, 2013	Aug 13, 2013	Oct 29, 2013	Feb 27, 2014	Apr 29, 2014	Aug 12, 2014	Oct 27, 2014	Feb 11, 2015	Apr 28, 2015	Aug 13, 2015	Oct 27, 2015	Feb 10, 2016	Apr 27, 2016	Aug 11, 2016	Oct 24, 2016	Feb 8, 2017	May 3, 2017	Aug 15, 2017	Oct 31, 2017	Feb 7, 2018	May 2, 2018	Aug 14, 2018	Oct 30, 2018	Feb 6, 2019	May 2, 2019	Aug 13, 2019	Oct 30, 2019	Feb 5, 2020	Apr 29, 2020	Aug 12, 2020	Oct 28, 2020	Feb 3, 2021	Apr 29, 2021	Aug 12, 2021	Oct 28, 2021	Feb 9, 2022	May 5, 2022	Aug 12, 2022	Oct 27, 2022	Feb 9, 2023	May 2, 2023	Aug 14, 2023	Oct 25, 2023	Feb 8, 2024	Apr 25, 2024	Aug 15, 2024	Nov 1, 2024	Feb 11, 2025	May 9, 2025	Aug 15, 2025	Oct 31, 2025	Feb 12, 2026	May 1, 2026	Aug 14, 2026
EPS Estimate	0.57	0.48	1.07	-	1.02	1.11	-	1.06	-	-	1.09	1.31	-	-	1.51	-	1.82	-	1.97	-	2.07	1.96	1.85	1.93	1.93	1.68	1.75	2.22	2.41	2.19	2.30	2.44	2.74	2.61	2.40	2.07	2.37	-0.67	2.47	2.65	2.58	2.81	1.25	2.29	2.15	4.07	2.34	2.49	2.08	1.64	2.36	2.36	2.63	3.22	4.07	3.77	3.99	3.94	3.92	3.94	3.74	3.35	4.87	3.37	3.50	2.56	3.56	3.00
EPS Actual	0.62	0.76	1.28	4.95	1.30	1.44	1.59	0.90	1.22	0.85	1.20	1.31	2.07	1.64	1.50	2.44	2.20	2.97	1.90	2.33	3.00	1.40	2.10	1.60	1.80	2.90	2.41	3.30	3.10	2.47	2.40	2.30	2.90	1.90	2.60	0.97	2.20	-1.20	2.50	2.30	2.50	3.40	0.70	1.94	1.70	4.70	2.40	2.35	2.00	0.55	3.30	2.00	2.60	4.90	4.10	3.20	3.80	2.80	4.10	4.00	4.40	3.70	4.30	3.80	4.40	1.40	3.70	3.90
Surprise	8.77%	58.33%	19.63%	-	27.45%	29.73%	-	-15.09%	-	-	10.09%	0.00%	-	-	-0.66%	-	20.88%	-	-3.55%	-	44.93%	-28.57%	13.51%	-17.10%	-6.74%	72.62%	37.71%	48.65%	28.63%	12.79%	4.35%	-5.74%	5.84%	-27.20%	8.33%	-53.14%	-7.17%	-79.10%	1.21%	-13.21%	-3.10%	21.00%	-44.00%	-15.28%	-20.93%	15.48%	2.56%	-5.62%	-3.85%	-66.46%	39.83%	-15.25%	-1.14%	52.17%	0.74%	-15.12%	-4.76%	-28.93%	4.59%	1.52%	17.65%	10.45%	-11.70%	12.76%	25.71%	-45.31%	3.93%	30.00%
Timing	Pre-market	Pre-market	After-hours	-	After-hours	After-hours	-	After-hours	-	-	After-hours	Pre-market	-	-	Pre-market	-	Pre-market	-	Pre-market	-	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	After-hours	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	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	After-hours	Pre-market	Pre-market	Pre-market	After-hours	After-hours	After-hours	Pre-market	After-hours	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market

Key Statistics & Ratios

Market Cap4.69B

Enterprise Value12.31B

Trailing P/E12.89

Forward P/E0.00

PEG Ratio0.00

Price / Sales4.32

Price / Book0.86

EPS13.50

Book Value186.36

Revenue (TTM)1.09B

Gross Profit (TTM)1.09B

Profit Margin44.71%

Operating Margin62.28%

Return on Equity9.30%

Return on Assets1.20%

Shares Outstanding26.96M

Shares Float19.75M

Beta0.13

Dividend Yield4.41%

Dividend Rate7.67

Payout Ratio57.24%

Dividends

20261×

7.67Mar 25, 2026

20251×

8.43Mar 27, 2025

20241×

10.77Mar 21, 2024

20231×

10.26Mar 30, 2023

20221×

3.19Apr 1, 2022

20211×

3.08Mar 26, 2021

20201×

2.68May 5, 2020

20191×

1.59Mar 28, 2019

20181×

3.97Mar 23, 2018

20171×

3.73Mar 30, 2017

20161×

2.72Mar 31, 2016

20151×

2.48Mar 26, 2015

20141×

1.78Mar 27, 2014

20131×

1.29Mar 21, 2013

20121×

1.88Mar 29, 2012

20111×

2.72Mar 29, 2011

20101×

1.16Mar 26, 2010

20091×

2.64Apr 1, 2009

20081×

6.11Mar 28, 2008

20071×

4.55Mar 9, 2007

20061×

2.48Mar 15, 2006

20051×

2.18Mar 1, 2005

20031×

2.31Feb 24, 2003

20021×

6.94Feb 27, 2002

Stock Splits

Aug 17, 20211394:1385
Oct 25, 20161045:1042
Mar 26, 2010959692:319897
Apr 5, 20051:3
Mar 8, 20043261:1904