Holand og Setskog Sparebank

Holand og Setskog Sparebank

HSPG · OL · Financial Services / Banks - Regional

125.00NOK+0.00 (0.00%)

Price History

Full chart

Market Stats

Previous Close125.00
Open125.00
Day Range125.00 – 125.00
52-Week Range115.00 – 166.96
Volume200
Market Cap80.48M
P/E (TTM)0.00
Forward P/E0.00
EPS-3.02
Dividend Yield4.27%
Beta-0.34
50-Day Avg132.11
200-Day Avg148.69

About

Høland og Setskog Sparebank provides banking services for the retail and corporate markets in Norway. The company offers current, deposit, and savings accounts; business, investment, agricultural, and client accounts; bank and credit cards; eInvoice; mobile payments; and mobile and online banking. It also provides insurance products for cars, electric scooters, boats, motorcycles, mopeds, jet skis, caravans, motorhomes, ATVs, tractors, snowmobiles, trailers, and veteran cars; houses, household items, travel, cottages, valuable items, and drones; health, child, disability, critical illness, life, and accident; dogs, cats, and horses; and company, employees, and agriculture applications. In addition, the company offers bank, BSU, mutual fund, micro, and retirement savings; pension products; car loans, mortgages, senior loans for apartments, green mortgages, energy-saving loans, framework loans, consumer loans, cottage loans, fixed-rate loans, and refinancing of mortgages, as well as loans for boats, motorcycles, caravans, motorhomes, ATVs, and snowmobiles; refinancing of consumer debt; bank guarantees, business and construction loans, factoring and invoice management, overdraft, and leasing; and consulting and accounting services. The company was formerly known as Holand Sparebank and changed its name to Høland og Setskog Sparebank in July 2010. Høland og Setskog Sparebank was incorporated in 1849 and is headquartered in Bjørkelangen, Norway.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. John Sigurd Bjørknes
  • Employees41
  • HeadquartersBjørkeveien 20B, Bjørkelangen, Norway, 1940, Norway
  • Websitehttps://www.hsbank.no

Leadership

  • Mr. John Sigurd BjørknesChief Executive Officer · b. 1962
  • Hege Bakken BergersenHead of Risk & Compliance · b. 1979
  • Mr. Ole-Einar HolthBank Manager & Credit Manager · b. 1961
  • Mr. Jørn-Erik SetherHead of Insurance · b. 1965
  • Ms. Kine M. HoltetBank CEO PM · b. 1980
  • Vivian KatralenHead of Depot
  • Simen Fjuk VestrengHead of Investment & Pensions and Authorized Financial Advisor · b. 1991

Financials

Income Statement

Currency: NOK2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue85.31M106.00M116.57M104.30M79.39M81.67M107.75M161.06M65.90K76.02M84.91M89.13M117.45M121.15M123.67M117.18M135.05M135.28M146.72M158.89M165.14M169.81M181.17M194.94M195.13M195.67M
Growth (%)-+24.26%+9.97%-10.53%-23.89%+2.87%+31.94%+49.48%-99.96%+115261.26%+11.69%+4.97%+31.76%+3.15%+2.08%-5.24%+15.25%+0.17%+8.46%+8.30%+3.93%+2.83%+6.69%+7.60%+0.10%+0.28%
Cost of Revenue-------------000000-------
Gross Profit-------------97.75M109.52M115.27M127.20M127.54M135.42M142.98M------
Gross Margin-------------80.69%88.56%98.36%94.19%94.28%92.30%89.99%------
Operating Expense--------------63.43M-75.46M69.47M55.78M66.07M68.10M71.05M------
Operating Income58.62M80.80M86.94M76.91M50.82M50.80M72.80M118.33M150.90M125.86M134.84M144.84M160.12M161.18M184.98M45.79M71.42M61.47M67.32M71.93M------
Operating Margin68.72%76.23%74.58%73.74%64.02%62.20%67.56%73.47%228976.80%165.55%158.81%162.50%136.33%133.05%149.58%39.08%52.88%45.44%45.88%45.27%------
EBITDA--------151.86K126.75M126.49M146.53M162.21M162.96M186.76M158.02M158.83M141.11M143.21M172.08M152.25M134.89M----
EBITDA Margin--------230.44%166.73%148.97%164.39%138.12%134.52%151.02%134.85%117.61%104.31%97.61%108.30%92.20%79.44%----
Net Income---15.04M4.53M3.92M4.63M4.55M4.04K17.64M16.59M14.17M25.87M27.12M34.55M27.57M55.89M46.53M52.43M56.05M53.07M52.98M46.80M50.80M55.02M47.44M
Net Income Margin---14.42%5.71%4.80%4.30%2.82%6.13%23.20%19.54%15.90%22.03%22.38%27.94%23.53%41.39%34.40%35.73%35.28%32.14%31.20%25.83%26.06%28.20%24.24%
Interest Expense00000000000000000075.89M98.58M80.62M62.43M131.33M265.30M320.45M339.56M
Interest Expense % of Total Revenue0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%51.72%62.04%48.82%36.76%72.49%136.10%164.22%173.53%

Balance Sheet

Currency: NOK2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets1.11B1.37B1.49B1.63B1.78B2.03B2.42B2.76B3.10B3.45B3.96B4.44B4.41B4.65B5.28B5.12B5.09B5.30B5.79B6.34B7.26B7.61B7.76B8.10B8.61B9.16B
Total Liabilities964.72M1.21B1.33B1.46B1.60B1.84B2.21B2.55B2.88B3.22B3.66B4.14B4.09B4.31B4.91B4.72B4.52B4.73B5.18B5.68B6.55B6.84B6.92B7.19B7.62B8.01B
Total Equity145.57M154.35M160.34M170.64M182.09M192.36M205.40M217.90M219.84M232.48M294.96M303.74M318.86M343.85M376.46M401.64M573.55M564.82M614.65M658.62M716.06M767.60M839.78M902.63M988.49M1.15B
Cash19.95M20.68M22.71M31.82M72.59M126.42M98.94M143.04M118.38M182.53M16.42M224.55M104.32M61.97M68.44M63.68M69.33M133.84M146.59M12.02M12.56M6.77M240.71M551.55M291.40M627.05M
Total Debt--------1.23B1.33B1.16B1.32B1.11B1.05B1.13B950.06M841.40M1.64B1.46B1.48B2.13B2.16B----
Net Debt--------1.12B1.15B1.14B1.10B1.01B992.20M1.06B886.39M641.46M685.27M1.04B1.32B2.12B2.15B1.91B1.77B2.46B2.43B

Cash Flow

Currency: NOK2003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow--------143.43M131.31M30.67M66.83M49.40M53.71M48.29M61.89M-325.34M-107.24M-234.90M155.76M8.09M266.90M-539.83M139.58M
Investing Cash Flow-----------318.46M-627.51M136.01M40.25M6.23M1.75M4.39M-128.00K-12.44M-48.38M10.05M-32.67M-58.20M
Financing Cash Flow-------20.12M165.07M-37.88M209.28M584.58M-194.49M-82.89M147.71M337.56M35.01M380.88M3.75M-83.72M47.06M324.65M230.08M
Capital Expenditure000000019.73M170.00K2.40M2.46M2.46M2.46M571.00K413.00K621.00K1.15M6.71M22.09M6.65M1.65M15.97M58.05M
Free Cash Flow--------163.16M131.14M28.27M66.83M49.40M51.25M47.72M61.48M-325.96M-108.39M-241.61M133.67M1.44M265.25M-555.79M81.53M
Dividends Paid---------3.20M3.51M6.07M7.17M3.44M3.44M5.16M5.50M3.44M4.82M9.05M4.82M4.82M6.19M
FCF to OCF-------113.76%99.87%92.16%100.00%100.00%95.42%98.82%99.33%100.19%101.07%102.86%85.82%17.81%99.38%102.96%58.41%
Dividend Paid to FCF---------11.33%5.25%12.29%13.99%7.21%5.59%-1.58%-5.08%-1.42%3.60%628.11%1.82%-0.87%7.59%

Earnings

Report DateApr 27, 2012Oct 26, 2012Feb 14, 2013Oct 25, 2013Feb 14, 2014Aug 22, 2014Oct 24, 2014Feb 13, 2015Apr 24, 2015Aug 21, 2015Oct 23, 2015Feb 12, 2016Apr 22, 2016Aug 19, 2016Oct 21, 2016Feb 10, 2017Apr 27, 2017Aug 18, 2017Oct 20, 2017Feb 9, 2018May 3, 2018Aug 15, 2018Oct 30, 2018Feb 6, 2019Apr 26, 2019Aug 14, 2019Oct 25, 2019Feb 7, 2020May 1, 2020Aug 13, 2020Oct 29, 2020Feb 11, 2021Apr 29, 2021Aug 13, 2021Oct 21, 2021Feb 11, 2022May 2, 2022Aug 16, 2022Oct 27, 2022Feb 15, 2023May 9, 2023Aug 16, 2023Oct 26, 2023Feb 28, 2024Apr 26, 2024Aug 16, 2024Oct 31, 2024Feb 28, 2025May 6, 2025Aug 15, 2025Oct 31, 2025Feb 13, 2026May 6, 2026Aug 14, 2026
EPS Estimate2.102.021.912.612.444.002.702.40--------------3.043.162.60-2.953.382.103.682.523.572.684.593.574.272.434.853.064.202.845.112.432.851.283.421.112.552.432.872.451.932.362.42
EPS Actual1.471.300.983.023.212.973.191.911.733.341.101.841.685.373.145.132.133.382.333.7415.0523.802.992.492.2124.623.093.971.203.913.524.373.014.302.702.422.104.942.671.171.583.553.271.732.331.323.072.951.832.781.291.280.33-5.05
Surprise-30.00%-35.64%-48.69%15.71%31.56%-25.75%18.15%-20.42%---------------1.64%-21.20%-15.00%-4.75%17.46%-42.86%6.25%39.68%22.41%12.31%-6.32%-24.37%-43.33%-13.58%1.86%-12.75%-72.14%-44.37%-30.53%34.57%-39.30%82.03%-61.40%176.58%15.69%-24.69%-3.14%-47.48%-33.68%-86.02%-308.68%
TimingPre-market-After-hours-After-hoursPre-marketPre-marketPre-market-Pre-marketPre-marketAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap80.48M
Enterprise Value1.63B
Trailing P/E0.00
Forward P/E0.00
PEG Ratio0.00
Price / Sales0.72
Price / Book0.07
EPS-3.02
Book Value1,308.27
Revenue (TTM)112.20M
Gross Profit (TTM)112.20M
Profit Margin1.68%
Operating Margin1846.63%
Return on Equity0.18%
Return on Assets0.02%
Shares Outstanding687.90K
Shares Float684.93K
Beta-0.34
Dividend Yield4.27%
Dividend Rate5.00
Payout Ratio93.81%

Dividends

20261×
5.00Mar 20, 2026
20251×
9.00Mar 20, 2025
20241×
7.00Mar 15, 2024
20231×
7.00Mar 10, 2023
20221×
7.00Mar 11, 2022
20201×
8.00Feb 28, 2020
20191×
7.50Feb 28, 2019
20181×
5.00Feb 28, 2018
20171×
5.00Feb 28, 2017
20161×
5.00Feb 26, 2016
20151×
10.50Feb 25, 2015
20141×
9.00Feb 28, 2014
20131×
5.20Feb 27, 2013
20121×
4.75Feb 29, 2012
20111×
6.50Feb 25, 2011
20101×
8.00Feb 26, 2010
20091×
4.00Feb 27, 2009
20081×
9.50Feb 29, 2008
20071×
9.00Feb 23, 2007
20061×
8.00Mar 3, 2006
20051×
9.00Feb 18, 2005
20041×
9.00Feb 26, 2004
20031×
6.00Feb 28, 2003
20021×
9.50Mar 1, 2002