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Sparebank 1 Nord-Norge

Sparebank 1 Nord-Norge

NONG · OL · Financial Services / Banks - Regional

185.60NOK+0.74 (+0.40%)

Price History

Full chart

Market Stats

Previous Close184.86
Open184.14
Day Range184.14 – 185.90
52-Week Range128.37 – 177.28
Volume85.78K
Market Cap17.17B
P/E (TTM)11.89
Forward P/E11.70
EPS14.38
Dividend Yield4.98%
Beta0.38
50-Day Avg167.20
200-Day Avg156.64

About

SpareBank 1 Nord-Norge provides banking services in Northern Norway. The company offers savings and pension accounts; deposits; bank guarantees; letters of credit; and foreign currency accounts, as well as debit and credit card services. It also provides mortgage, car, consumer, boat, caravans, vehicle, and green loans; and other loan related services. In addition, the company offers vehicle, home, travel, valuable item, car, personal, and pet insurance services. Further, it provides accounting services, real estate brokerage, leasing/sale-leaseback financing, refinancing, payment, and mobile and online banking services. The company was founded in 1836 and is headquartered in Tromsø, Norway.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMs. Hanne Karoline Kraemer
  • Employees949
  • HeadquartersStorgata 65, Tromsø, Norway, 9008, Norway
  • Websitehttps://www.sparebank1.no

Leadership

  • Ms. Hanne Karoline KraemerChief Executive Officer · b. 1969
  • Mr. Bengt OlsenChief Financial Officer · b. 1970
  • Ms. Birgitte Nygaard VibeExecutive Vice President of Business Development & Technology and Chief Innovation Officer
  • Ms. Trude GladExecutive Vice President of Corporate Banking · b. 1966
  • Mr. Terje Marius NilsenChief Risk Officer
  • Mr. Stein Vidar LoftasExecutive Vice President of Organisation & Business Support
  • Bjorn BardalActing Executive VP of Personal Banking
  • Ms. Kristin AmundsenChief Executive Officer of EiendomsMegler 1 Nord-Norge
  • Johan-Thomas HegdahlManaging Director of SpareBank 1 Regnskapshuset Nord-Norge
  • Mr. Geir AndreassenChief Innovation Officer

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 Revenue2.96B3.21B3.22B2.90B2.25B1.60B1.65B1.85B1.46B2.16B2.05B1.65B1.87B2.26B2.54B2.29B2.71B2.88B3.04B3.31B3.51B3.77B3.86B5.27B5.80B5.91B
Growth (%)-+8.76%+0.28%-9.90%-22.66%-28.72%+3.12%+12.36%-21.08%+47.47%-5.23%-19.40%+13.52%+20.67%+12.48%-9.68%+18.13%+6.23%+5.63%+8.78%+5.95%+7.67%+2.25%+36.50%+10.06%+1.93%
Cost of Revenue-------------000000-------
Gross Profit-------------2.39B2.67B2.49B2.86B3.13B3.39B4.11B------
Gross Margin-------------105.80%105.19%108.67%105.64%108.68%111.57%124.30%------
Operating Expense--------------496.00M-244.00M1.46B1.32B1.37B1.47B1.64B------
Operating Income1.15B1.09B906.00M847.00M845.00M1.06B1.53B2.94B3.51B2.59B2.42B2.38B2.45B2.89B2.92B1.03B1.54B1.76B1.92B2.47B------
Operating Margin38.92%33.79%28.11%29.17%37.62%66.33%92.85%158.71%239.55%120.06%118.38%144.09%130.66%127.76%114.80%45.01%56.95%61.25%63.12%74.74%------
EBITDA-----1.47B2.13B3.00B3.57B2.64B2.47B2.61B2.50B2.94B2.99B2.28B2.51B2.67B2.88B3.81B3.07B3.43B----
EBITDA Margin-----91.51%129.25%161.46%243.58%122.28%120.58%158.28%133.55%130.19%117.59%99.43%92.51%92.71%94.54%115.26%87.56%90.75%----
Net Income-----554.00M762.00M703.00M348.00M858.00M816.00M712.00M595.00M966.00M1.10B872.00M1.25B1.44B1.54B2.06B1.74B2.29B1.82B2.52B3.63B3.42B
Net Income Margin-----34.60%46.15%37.90%23.77%39.74%39.88%43.18%31.78%42.76%43.13%38.00%46.22%50.00%50.69%62.31%49.69%60.79%47.25%47.85%62.60%57.88%
Interest Expense000000000000000000860.00M1.22B812.00M479.00M1.22B2.88B3.80B3.86B
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%28.27%36.90%23.16%12.69%31.66%54.75%65.60%65.32%

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 Assets33.14B35.27B37.88B40.89B42.24B48.63B54.96B60.82B65.51B64.24B68.78B59.78B75.26B77.52B83.19B85.40B90.50B97.19B106.16B111.52B117.30B119.18B122.32B128.14B135.67B144.30B
Total Liabilities31.00B33.02B35.64B38.53B39.65B45.68B51.44B56.72B61.05B59.08B63.11B53.36B68.43B69.02B73.84B75.44B79.49B84.89B93.10B97.35B102.28B102.53B106.63B111.19B116.61B123.78B
Total Equity2.14B2.24B2.24B2.35B2.59B2.94B3.52B4.09B4.45B5.16B5.67B6.42B6.81B8.48B9.33B9.96B11.01B12.30B13.06B14.17B15.02B16.46B15.69B16.95B19.06B20.52B
Cash383.00M383.00M463.00M602.00M362.00M935.00M823.00M2.48B3.29B2.16B2.50B1.90B271.00M655.00M685.00M274.00M775.00M775.00M3.79B1.47B360.00M399.00M145.00M402.00M1.40B1.08B
Total Debt-----16.96B20.11B20.92B21.21B15.77B15.82B14.70B18.63B17.79B22.47B22.82B24.02B24.75B26.34B26.26B24.66B22.48B----
Net Debt-----16.02B19.29B18.43B17.92B13.61B13.32B12.80B18.36B17.13B21.78B22.55B21.74B23.63B22.55B24.79B24.30B22.09B20.91B23.10B22.55B22.77B

Cash Flow

Currency: NOK2004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-388.00M-3.27B-2.46B967.00M776.00M5.70B674.00M141.00M-4.10B181.00M-1.57B-1.91B562.00M-1.30B-203.00M-1.91B2.08B2.83B69.00M1.72B3.65B2.16B
Investing Cash Flow----------183.00M-753.00M-252.00M66.00M-407.00M-342.00M96.00M-621.00M143.00M-201.00M-136.00M-1.32B-1.09B
Financing Cash Flow259.00M4.03B3.16B921.00M390.00M-5.44B54.00M-544.00M3.93B-93.00M4.68B156.00M-305.00M2.42B2.18B-499.00M-2.57B-2.93B-122.00M-964.00M-1.59B-1.49B
Capital Expenditure60.00M32.00M84.00M117.00M62.00M33.00M36.00M95.00M61.00M136.00M131.00M52.00M80.00M90.00M169.00M637.00M68.00M49.00M62.00M70.00M84.00M104.00M
Free Cash Flow-448.00M-3.30B-2.54B850.00M714.00M5.67B638.00M46.00M-4.16B45.00M-1.70B-1.96B482.00M-1.39B-372.00M-2.55B2.01B2.78B3.53B1.65B3.57B2.05B
Dividends Paid---------106.00M156.00M403.00M261.00M747.00M867.00M402.00M867.00M845.00M1.08B1.59B1.93B1.91B
FCF to OCF115.46%100.98%103.42%87.90%92.01%99.42%94.66%32.62%101.49%24.86%108.34%102.72%85.77%106.92%183.25%133.32%96.73%98.27%5113.04%95.93%97.70%94.86%
Dividend Paid to FCF---------235.56%-9.17%-20.53%54.15%-53.70%-233.06%-15.77%43.09%30.41%30.64%96.24%54.13%93.07%

Earnings

Report DateFeb 9, 2005Aug 9, 2005Oct 25, 2005Feb 7, 2006May 2, 2006Aug 9, 2006Oct 31, 2006Feb 7, 2007Apr 25, 2007Aug 7, 2007Oct 23, 2007Feb 6, 2008Apr 30, 2008Aug 12, 2008Oct 28, 2008Feb 12, 2009Apr 29, 2009Aug 12, 2009Oct 29, 2009Feb 11, 2010Apr 28, 2010Aug 11, 2010Oct 28, 2010Feb 9, 2011Apr 28, 2011Aug 10, 2011Oct 26, 2011Feb 8, 2012Apr 26, 2012Aug 9, 2012Oct 31, 2012Feb 6, 2013Apr 25, 2013Aug 13, 2013Oct 31, 2013Feb 4, 2014May 6, 2014Aug 13, 2014Oct 29, 2014Feb 5, 2015Apr 28, 2015Aug 12, 2015Oct 29, 2015Feb 9, 2016Apr 29, 2016Aug 11, 2016Oct 28, 2016Feb 15, 2017May 5, 2017Aug 9, 2017Oct 27, 2017Feb 8, 2018May 9, 2018Aug 8, 2018Oct 25, 2018Feb 6, 2019May 8, 2019Aug 7, 2019Oct 25, 2019Feb 13, 2020May 13, 2020Aug 12, 2020Oct 23, 2020Feb 10, 2021May 11, 2021Aug 12, 2021Oct 28, 2021Feb 14, 2022May 6, 2022Aug 10, 2022Oct 27, 2022Feb 8, 2023May 11, 2023Aug 9, 2023Oct 25, 2023Feb 8, 2024May 7, 2024Aug 7, 2024Oct 30, 2024Feb 11, 2025May 15, 2025Aug 6, 2025Oct 27, 2025Feb 12, 2026May 6, 2026Aug 12, 2026Oct 29, 2026
EPS Estimate1.081.051.131.161.391.161.361.431.371.311.131.090.491.020.68-0.900.951.071.71-1.251.491.301.201.120.830.901.120.931.010.961.141.291.511.341.241.221.31-0.061.261.301.030.971.101.391.421.381.441.511.611.461.541.691.671.522.212.031.771.861.521.621.741.891.761.972.292.502.062.111.982.352.723.033.103.133.283.425.803.003.243.613.553.113.293.223.72
EPS Actual0.752.441.841.381.352.514.052.284.084.412.674.640.851.050.461.742.470.971.891.823.581.461.481.482.410.900.85-0.101.230.660.881.001.231.301.821.161.891.661.460.161.381.230.880.631.271.631.651.241.451.641.601.951.482.041.811.681.872.541.761.121.742.222.281.662.152.622.423.252.021.561.733.013.242.412.273.383.143.326.043.793.574.203.993.523.153.72-
Surprise-30.56%132.38%62.83%18.97%-2.88%116.38%197.79%59.44%197.81%236.64%136.28%325.69%73.47%2.94%-32.35%-174.44%2.11%76.64%6.43%-16.80%-0.67%13.85%100.83%-19.64%2.41%-111.11%9.82%-29.03%-12.87%4.17%7.89%0.78%20.53%-13.43%52.42%36.07%11.45%366.67%9.52%-5.38%-14.56%-35.05%15.45%17.27%16.20%-10.14%0.69%8.61%-0.62%33.56%-3.90%20.71%8.38%10.53%-15.38%25.12%-0.56%-39.78%14.47%37.04%31.03%-12.17%22.16%32.99%5.68%30.00%-1.94%-26.07%-12.63%28.09%19.12%-20.46%-26.77%7.99%-4.27%-2.92%4.14%26.33%10.19%16.34%12.39%13.18%-4.26%15.53%-
TimingPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-market-Pre-marketPre-marketPre-marketPre-market-Pre-marketAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketAfter-hours--After-hoursPre-marketPre-marketPre-marketAfter-hours---Pre-marketAfter-hours-Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursPre-market

Key Statistics & Ratios

Market Cap17.17B
Enterprise Value39.74B
Trailing P/E11.89
Forward P/E11.70
PEG Ratio0.00
Price / Sales2.77
Price / Book0.86
EPS14.38
Book Value186.68
Revenue (TTM)6.20B
Gross Profit (TTM)6.20B
Profit Margin52.03%
Operating Margin67.26%
Return on Equity16.41%
Return on Assets2.22%
Shares Outstanding100.40M
Shares Float78.86M
Beta0.38
Dividend Yield4.98%
Dividend Rate8.50
Payout Ratio59.11%

Dividends

20261×
8.50Mar 27, 2026
20251×
8.75Apr 9, 2025
20241×
7.00Mar 15, 2024
20231×
8.20Mar 31, 2023
20222×
3.40Sep 6, 20225.20Mar 25, 2022
20212×
2.63Nov 4, 20211.27Mar 26, 2021
20201×
4.00Mar 27, 2020
20191×
4.00Mar 22, 2019
20181×
4.00Mar 23, 2018
20171×
3.45Mar 29, 2017
20161×
2.00Mar 17, 2016
20151×
1.90Mar 25, 2015
20141×
1.10Mar 26, 2014
20131×
1.03Mar 21, 2013
20121×
1.25Mar 27, 2012
20111×
1.81Mar 30, 2011
20101×
2.12Mar 18, 2010
20091×
0.94Mar 11, 2009
20081×
2.99Mar 12, 2008
20071×
3.15Mar 14, 2007
20061×
3.15Mar 15, 2006
20051×
2.49Mar 17, 2005

Stock Splits

  • Sep 10, 20132005:1794
  • May 6, 20113365:3156
  • Mar 31, 20118:3
  • Mar 30, 20052:1