YOLFTbeta
Sparebank 1 SMN

Sparebank 1 SMN

MING · OL · Financial Services / Banks - Regional

223.75NOK+1.20 (+0.54%)

Price History

Full chart

Market Stats

Previous Close222.55
Open223.00
Day Range222.80 – 224.40
52-Week Range169.91 – 222.90
Volume112.36K
Market Cap30.81B
P/E (TTM)11.59
Forward P/E11.19
EPS18.43
Dividend Yield6.32%
Beta0.39
50-Day Avg208.52
200-Day Avg201.82

About

SpareBank 1 SMN, together with its subsidiaries, provides various banking, accounting, and real estate products and services to private individuals and companies in Norway and internationally. The company offers deposits, savings and investment products, financing and real estate brokerage services, vehicle financing and leasing services, insurance products, credit and debit cards, loans, structured products, and stock trading and international payment services. It also provides bank guarantee, such as payment, lien, rent, loan, contract, other guarantees; documentary collection; foreign currency accounts; letters of credit; forward contracts; capital market and accounting services; and mobile, online, and other banking services. The company distributes its products through physical branches and digital channels, as well as a customer service center. SpareBank 1 SMN was founded in 1823 and is headquartered in Trondheim, Norway.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Jan-Frode Janson
  • Employees1.71K
  • HeadquartersSøndre gate 4, Trondheim, Norway, 7011, Norway
  • Websitehttps://www.sparebank1.no

Leadership

  • Mr. Jan-Frode JansonGroup Chief Executive Officer · b. 1969
  • Mr. Trond SoraasExecutive Director of Group Finance & Governance · b. 1968
  • Ms. Astrid UndheimExecutive Director of Technology & Development · b. 1980
  • Mr. Rolf Jarle BroskeExecutive Vice President of ??Marketing, Communications and Digital Sales · b. 1980
  • Mr. Kjetil ReinsbergChief Executive Officer of EiendomsMegler 1 Midt-Norge · b. 1961
  • Mr. Arne Sverressønn NypanChief Executive Officer of SpareBank 1 Regnskapshuset SMN · b. 1970
  • Ms. Monica Haftorn IversenExecutive Director of Retail Banking · b. 1975
  • Trond BarikmoTreasury Manager/IR
  • Jon HavdalManaging Director of Regnskapshuset SMN
  • Mr. Stein Håvard HusbyChief Executive Officer of Sparebank 1 Markets

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 Revenue2.65B2.96B2.86B2.71B2.16B1.67B1.83B1.91B1.78B2.33B2.31B2.50B2.82B3.23B3.33B3.41B4.08B4.55B4.83B5.27B5.60B5.95B5.32B7.22B7.87B8.05B
Growth (%)-+11.72%-3.32%-5.15%-20.26%-22.81%+9.95%+4.03%-6.92%+31.08%-0.99%+8.42%+12.89%+14.50%+3.00%+2.37%+19.76%+11.60%+6.15%+9.04%+6.32%+6.19%-10.57%+35.70%+9.00%+2.31%
Cost of Revenue-------------000000-------
Gross Profit-------------3.51B3.93B3.71B4.04B4.65B5.22B5.88B------
Gross Margin-------------108.67%118.24%108.84%98.95%102.22%108.11%111.58%------
Operating Expense-------------1.75B1.79B1.93B2.05B2.37B2.63B2.80B------
Operating Income889.00M970.00M815.00M969.00M1.01B592.00M597.00M1.04B980.00M1.42B1.42B3.78B1.35B1.76B2.14B1.78B1.98B2.28B2.60B3.08B------
Operating Margin33.61%32.83%28.53%35.76%46.92%35.49%32.55%54.45%55.18%61.17%61.39%151.18%48.03%54.46%64.41%52.14%48.61%50.07%53.79%58.47%------
EBITDA-----1.91B2.53B3.44B4.33B3.33B3.43B3.86B3.92B4.40B4.72B4.04B3.76B3.95B4.32B5.13B3.85B4.66B----
EBITDA Margin-----114.57%138.17%180.50%243.75%143.00%148.85%154.38%138.82%136.13%141.84%118.73%92.15%86.73%89.34%97.46%68.81%78.28%----
Net Income-----717.00M897.00M843.00M616.00M931.00M1.02B1.02B1.07B1.39B1.77B1.41B1.61B1.80B2.06B2.51B1.85B2.74B2.65B3.61B4.49B4.28B
Net Income Margin-----42.99%48.91%44.18%34.68%39.99%44.12%40.66%37.86%43.03%53.26%41.40%39.37%39.46%42.55%47.58%33.06%46.09%49.91%50.06%57.00%53.14%
Interest Expense0000000000000000001.65B1.94B1.44B1.12B2.59B6.63B8.19B8.28B
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%34.23%36.78%25.65%18.83%48.65%91.85%104.04%102.79%

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 Assets30.93B33.29B35.99B36.88B38.61B54.33B63.18B71.50B84.68B84.54B97.99B101.45B107.92B115.36B126.05B131.91B138.08B153.25B160.70B166.66B187.91B198.84B223.31B232.72B247.70B242.91B
Total Liabilities28.87B31.14B33.88B34.68B36.23B50.66B58.99B66.64B79.16B78.36B90.15B93.11B97.88B104.12B113.52B118.01B122.78B135.74B142.02B146.24B166.60B175.60B199.30B204.79B218.00B211.75B
Total Equity2.06B2.15B2.11B2.20B2.39B3.66B4.17B4.85B5.48B6.14B7.75B8.21B9.98B11.18B12.45B13.59B14.87B16.95B18.05B19.66B20.47B22.25B24.01B27.93B29.70B31.16B
Cash715.00M360.00M1.05B970.00M1.07B1.67B450.00M2.40B4.27B1.11B2.11B1.52B1.08B4.79B4.68B3.27B315.00M3.31B883.00M761.00M2.76B5.96B12.83B1.17B654.00M2.28B
Total Debt-----20.90B24.42B26.77B32.52B27.42B30.99B31.12B33.46B37.48B36.06B38.81B44.88B53.66B51.82B52.94B46.84B43.04B----
Net Debt-----19.23B23.97B24.38B28.24B26.32B28.88B29.60B32.38B32.69B31.39B35.54B39.42B41.33B46.56B45.11B44.07B37.08B36.97B46.90B52.26B45.42B

Cash Flow

Currency: NOK2005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-1.75B-4.83B400.00M-2.74B3.21B-2.12B699.00M-2.76B-4.02B1.66B-2.35B-3.42B-1.63B-3.78B4.28B2.90B1.51B-19.38B5.18B877.00M9.90B
Investing Cash Flow---------34.00M-261.00M-849.00M-86.00M-546.00M59.00M-1.51B-276.00M526.00M33.00M---
Financing Cash Flow3.30B4.21B2.13B5.38B-4.97B4.11B-383.00M3.08B3.57B-1.58B1.79B549.00M5.17B1.29B-2.89B-470.00M-2.57B19.27B---
Capital Expenditure74.00M326.00M81.00M126.00M391.00M266.00M184.00M279.00M32.00M83.00M50.00M52.00M126.00M126.00M120.00M136.00M164.00M89.00M95.00M00
Free Cash Flow-1.83B-5.15B319.00M-2.87B2.82B-2.39B515.00M-3.04B-4.05B1.58B-2.40B-3.47B-1.63B-3.90B4.16B2.76B1.35B-6.93B5.09B877.00M9.90B
Dividends Paid177.00M366.00M395.00M324.00M294.00M173.00M285.00M190.00M195.00M227.00M292.00M292.00M390.00M571.00M661.00M647.00M569.00M1.03B840.00M1.73B1.80B
FCF to OCF104.22%106.75%79.75%104.59%87.83%112.55%73.68%110.11%100.80%95.00%102.13%101.52%100.00%103.34%97.20%95.30%89.17%35.73%98.17%100.00%100.00%
Dividend Paid to FCF-9.68%-7.10%123.82%-11.29%10.41%-7.25%55.34%-6.25%-4.81%14.39%-12.17%-8.41%-23.94%-14.63%15.89%23.44%42.15%-14.91%16.51%197.26%18.21%

Earnings

Report DateMar 31, 2001Jun 30, 2001Sep 30, 2001Dec 31, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Dec 31, 2002Mar 31, 2003Jun 30, 2003Sep 30, 2003Feb 3, 2004May 4, 2004Aug 9, 2004Oct 26, 2004Feb 1, 2005Apr 29, 2005Aug 9, 2005Oct 26, 2005Feb 1, 2006May 2, 2006Aug 7, 2006Oct 27, 2006Jan 31, 2007Apr 26, 2007Oct 25, 2007Feb 6, 2008Apr 30, 2008Aug 12, 2008Oct 30, 2008Feb 4, 2009May 4, 2009Aug 12, 2009Oct 30, 2009Feb 10, 2010May 6, 2010Aug 11, 2010Nov 4, 2010Mar 24, 2011May 6, 2011Aug 10, 2011Oct 29, 2011Feb 1, 2012Apr 26, 2012Aug 9, 2012Oct 25, 2012Feb 6, 2013Apr 26, 2013Aug 14, 2013Oct 31, 2013Feb 5, 2014May 9, 2014Aug 13, 2014Oct 31, 2014Feb 4, 2015May 8, 2015Aug 12, 2015Oct 30, 2015Feb 3, 2016Apr 29, 2016Aug 11, 2016Oct 24, 2016Feb 7, 2017May 3, 2017Aug 8, 2017Oct 26, 2017Feb 7, 2018May 4, 2018Aug 8, 2018Oct 26, 2018Feb 7, 2019May 9, 2019Aug 7, 2019Oct 30, 2019Feb 5, 2020May 8, 2020Aug 11, 2020Oct 29, 2020Feb 5, 2021May 6, 2021Aug 12, 2021Oct 28, 2021Feb 10, 2022May 6, 2022Aug 10, 2022Oct 28, 2022Feb 8, 2023May 9, 2023Aug 9, 2023Nov 1, 2023Feb 7, 2024May 8, 2024Aug 8, 2024Oct 30, 2024Feb 10, 2025May 7, 2025Aug 5, 2025Oct 28, 2025Feb 11, 2026May 7, 2026Aug 11, 2026Oct 29, 2026
EPS Estimate-------------0.850.971.191.00-1.631.421.671.331.501.421.581.501.750.671.330.831.380.830.961.701.571.181.321.361.42-1.421.191.361.311.141.431.131.361.521.731.781.821.911.951.611.921.981.631.521.581.681.841.561.802.031.982.082.282.792.172.152.862.802.492.120.981.782.232.312.343.153.093.212.702.892.883.343.743.883.894.534.124.574.504.144.304.714.484.184.464.464.48
EPS Actual1.021.290.660.640.820.26-0.63-0.390.23-0.050.671.070.731.060.971.641.241.904.452.311.601.583.552.531.561.231.331.452.300.592.670.601.663.292.041.091.681.651.392.391.621.551.801.421.221.521.291.551.442.181.792.482.292.201.852.182.131.261.451.492.212.002.211.731.922.412.632.213.542.321.905.023.212.301.601.263.272.351.993.403.513.223.203.203.202.893.533.514.213.285.624.684.436.424.674.324.995.194.583.665.19-
Surprise-------------24.71%0.00%37.82%24.00%-173.01%62.68%-4.19%18.80%136.67%78.17%-1.27%-18.00%-24.00%116.42%72.93%-28.92%93.48%-27.71%72.92%93.53%29.94%-7.63%27.27%21.32%-2.11%-14.08%30.25%32.35%8.40%7.02%6.29%14.16%13.97%-5.26%26.01%0.56%36.26%19.90%12.82%14.91%13.54%7.58%-22.70%-4.61%-5.70%31.55%8.70%41.67%-3.89%-5.42%21.72%26.44%-3.07%26.88%6.91%-11.63%75.52%14.64%-7.63%-24.53%28.57%83.71%5.38%-13.85%45.30%11.43%4.21%-0.31%18.52%10.73%0.35%5.69%-6.15%8.51%-15.68%24.06%13.59%-3.06%42.67%12.80%0.47%5.94%15.85%9.57%-17.94%16.37%-
Timing-------------After-hoursAfter-hoursPre-marketPre-market-Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-market-After-hoursPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketPre-marketAfter-hours-Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-market

Key Statistics & Ratios

Market Cap30.81B
Enterprise Value35.90B
Trailing P/E11.59
Forward P/E11.19
PEG Ratio2.71
Price / Sales3.52
Price / Book1.04
EPS18.43
Book Value195.70
Revenue (TTM)8.75B
Gross Profit (TTM)8.75B
Profit Margin47.72%
Operating Margin61.79%
Return on Equity14.10%
Return on Assets1.66%
Shares Outstanding144.21M
Shares Float143.97M
Beta0.39
Dividend Yield6.32%
Dividend Rate13.50
Payout Ratio72.50%

Dividends

20261×
13.50Mar 27, 2026
20251×
12.50Mar 21, 2025
20241×
12.00Mar 22, 2024
20231×
6.50Mar 29, 2023
20221×
7.50Mar 25, 2022
20212×
3.10Nov 2, 20211.30Mar 26, 2021
20201×
5.00Mar 27, 2020
20191×
5.10Mar 29, 2019
20181×
4.40Mar 23, 2018
20171×
3.00Mar 29, 2017
20161×
2.25Apr 1, 2016
20151×
2.25Mar 27, 2015
20141×
1.75Mar 27, 2014
20131×
1.50Mar 22, 2013
20121×
2.00Mar 7, 2012
20111×
2.75Mar 24, 2011
20101×
2.29Mar 5, 2010
20091×
1.64Mar 27, 2009
20081×
4.10Mar 14, 2008
20071×
4.10Mar 22, 2007
20061×
3.76Mar 22, 2006
20051×
2.57Mar 17, 2005
20041×
2.31Mar 18, 2004

Stock Splits

  • Mar 7, 2012442:405
  • Mar 5, 2010565:506
  • Mar 27, 20096:5
  • Nov 4, 20055:1
  • May 11, 2005621:583
  • Mar 18, 20045:4