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Sparebank 1 Ringerike Hadeland

Sparebank 1 Ringerike Hadeland

RING · OL · Financial Services / Banks - Regional

448.00NOK+1.00 (+0.22%)

Price History

Full chart

Market Stats

Previous Close447.00
Open448.00
Day Range443.05 – 449.00
52-Week Range345.17 – 462.39
Volume21.70K
Market Cap7.11B
P/E (TTM)10.38
Forward P/E12.42
EPS43.72
Dividend Yield5.80%
Beta0.14
50-Day Avg440.38
200-Day Avg438.24

About

SpareBank 1 Ringerike Hadeland, a financial institution, provides various banking products and services to private and corporate customers in Norway. The company offers Current, Buffer, and Savings accounts. It also provides housing, flexi, fixed-rate, financing certificate for housing, cabin, intermediate financing, and construction loans, as well as refinancing loans; financing services, such as agricultural operating credit, cash credit factoring, and leasing; bank guarantees;, car, workshop and transport, housing cooperatives and condominiums, building and construction, real estate, teams and associations, agriculture and small farms, and other insurance products, as well as advice and services; pension products; and savings and investment products. In addition, the company offers debit and credit cards, as well as mobile and online banking services. Further, it provides real estate brokerage, consulting, and accounting services. SpareBank 1 Ringerike Hadeland was incorporated in 1833 and is headquartered in Hønefoss, Norway.

Company Details

Leadership

  • Mr. Bjorn Rune RindalChief Executive Officer · b. 1975
  • Mr. Joergen RuudBank Manager of Economics & Finance · b. 1977
  • Ms. Ida Hagelsteen VikBank Manager of Risk Management & Compliance · b. 1985
  • Mr. Bjorn Harald BlakerBank Manager of Marketing & Communications · b. 1976
  • Mr. Torbjoern KjerstadmoBank Manager of Personal Market · b. 1977
  • Ms. Marthe WestlieBank Manager of Organization & Development · b. 1979
  • Mr. Lars Erik RefsahlBank Manager of Corporate Market · b. 1979
  • Marianne Homme SorensenManaging Director of SpareBank 1 Economy House · b. 1987
  • Ms. Inger Marie HolmSecretary

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 Revenue266.90M307.70M313.75M271.35M208.92M231.13M274.26M361.63M167.25M202.96M649.03M462.18M468.32M537.17M577.56M575.12M698.62M691.38M742.89M778.94M751.30M831.00M922.00M1.08B1.29B1.37B
Growth (%)-+15.29%+1.97%-13.51%-23.01%+10.63%+18.66%+31.86%-53.75%+21.35%+219.78%-28.79%+1.33%+14.70%+7.52%-0.42%+21.47%-1.04%+7.45%+4.85%-3.55%+10.61%+10.95%+17.67%+19.32%+5.60%
Cost of Revenue-------------000000-------
Gross Profit-------------566.78M640.24M615.58M743.63M751.48M792.39M880.74M------
Gross Margin-------------105.51%110.85%107.04%106.44%108.69%106.66%113.07%------
Operating Expense--------------124.25M-125.30M327.81M332.03M354.37M366.74M363.38M------
Operating Income83.99M97.58M88.79M87.86M87.44M107.61M116.72M287.72M384.87M270.51M423.61M557.96M598.92M691.03M765.55M287.77M411.59M397.11M425.64M517.37M------
Operating Margin31.47%31.71%28.30%32.38%41.85%46.56%42.56%79.56%230.12%133.28%65.27%120.72%127.89%128.64%132.55%50.04%58.92%57.44%57.30%66.42%------
EBITDA--------387.71M273.47M665.82M573.46M617.85M706.75M781.60M636.61M676.48M669.51M683.57M845.27M696.50M713.50M----
EBITDA Margin--------231.82%134.74%102.59%124.08%131.93%131.57%135.33%110.69%96.83%96.84%92.01%108.52%92.71%85.86%----
Net Income-------61.97M49.67M74.42M390.60M157.44M172.59M232.66M287.14M223.81M322.98M329.80M339.28M425.26M366.50M445.50M420.60M461.60M704.60M734.00M
Net Income Margin-------17.14%29.70%36.67%60.18%34.06%36.85%43.31%49.72%38.92%46.23%47.70%45.67%54.59%48.78%53.61%45.62%42.55%54.43%53.69%
Interest Expense000000000000000000251.82M315.88M229.00M143.00M349.00M787.00M999.00M986.00M
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%33.90%40.55%30.48%17.21%37.85%72.54%77.17%72.13%

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 Assets3.15B3.60B3.81B4.09B4.54B5.24B5.81B6.52B7.13B7.15B15.60B15.94B17.00B18.04B19.19B19.74B21.65B22.16B23.79B25.06B27.24B27.98B29.61B30.29B31.53B32.74B
Total Liabilities2.61B3.02B3.21B3.45B3.86B4.50B5.00B5.68B6.27B6.24B13.36B13.68B14.68B15.58B16.63B17.03B18.75B18.79B20.25B21.27B23.30B23.80B25.29B25.54B26.25B27.21B
Total Equity546.31M579.64M607.16M640.34M679.00M739.79M803.01M846.99M860.61M913.03M2.24B2.25B2.31B2.45B2.56B2.70B2.90B3.36B3.54B3.78B3.94B4.18B4.32B4.75B5.28B5.53B
Cash35.13M32.25M40.97M36.51M43.13M39.53M40.87M55.77M27.25M25.47M872.39M64.80M113.00M112.13M105.37M112.50M99.23M94.75M98.10M94.42M95.00M91.00M90.00M103.00M110.00M102.00M
Total Debt--------1.92B1.80B4.01B3.87B4.66B4.64B4.71B4.39B11.39B6.39B5.71B6.03B5.89B5.50B----
Net Debt--------1.89B1.77B3.14B3.80B4.54B4.53B4.60B4.28B5.58B5.15B5.49B5.50B5.79B5.41B5.71B5.63B4.75B4.29B

Cash Flow

Currency: NOK2007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-429.11M-240.01M119.22M-1.02B30.90M-365.45M284.03M98.78M659.74M-1.10B335.29M-81.94M31.07M127.00M547.00M157.00M64.00M1.48B1.05B
Investing Cash Flow------9.58M140.84M-44.77M-604.00K61.76M21.75M241.00M-17.00M50.00M-121.00M10.00M-231.00M40.00M
Financing Cash Flow447.56M219.45M-119.45M1.30B-147.35M528.72M-294.47M-246.38M-607.83M1.08B-401.52M63.55M-276.06M-110.00M-601.00M-36.00M-307.00M-1.24B-1.10B
Capital Expenditure3.54M7.28M1.52M300.67M10.50M19.03M7.42M20.49M4.58M833.00K5.98M302.00K2.93M61.00M5.00M00031.00M
Free Cash Flow-432.65M-247.29M117.69M-1.32B20.41M-384.48M276.61M78.29M655.16M-1.10B329.30M-82.24M28.14M66.00M542.00M157.00M62.00M1.48B1.02B
Dividends Paid------116.24M124.45M144.71M111.93M162.53M165.60M170.43M214.00M183.00M253.00M211.00M322.00M482.00M
FCF to OCF100.83%103.03%98.72%129.44%66.03%105.21%97.39%79.26%99.31%100.08%98.22%100.37%90.56%51.97%99.09%100.00%96.88%100.00%97.16%
Dividend Paid to FCF------42.02%158.97%22.09%-10.21%49.35%-201.36%605.70%324.24%33.76%161.15%340.32%21.74%47.02%

Earnings

Report DateApr 11, 2007Jul 18, 2007Oct 17, 2007Jan 22, 2008Apr 16, 2008Jul 23, 2008Oct 22, 2008Jan 27, 2009Apr 15, 2009Aug 12, 2009Oct 21, 2009Jan 26, 2010Apr 14, 2010Aug 11, 2010Oct 20, 2010Feb 3, 2011Apr 29, 2011Aug 15, 2011Nov 1, 2011Feb 1, 2012May 4, 2012Aug 15, 2012Oct 24, 2012Feb 6, 2013Apr 30, 2013Aug 14, 2013Oct 30, 2013Feb 5, 2014Apr 16, 2014Aug 13, 2014Oct 29, 2014Feb 4, 2015Apr 29, 2015Aug 12, 2015Oct 27, 2015Feb 3, 2016Apr 27, 2016Aug 10, 2016Oct 26, 2016Feb 14, 2017Apr 26, 2017Aug 9, 2017Oct 25, 2017Feb 14, 2018Apr 25, 2018Aug 14, 2018Oct 24, 2018Feb 11, 2019May 9, 2019Aug 12, 2019Oct 31, 2019Feb 10, 2020May 14, 2020Aug 12, 2020Oct 29, 2020Feb 10, 2021May 10, 2021Aug 14, 2021Oct 29, 2021Feb 11, 2022May 11, 2022Aug 15, 2022Oct 31, 2022Feb 14, 2023May 10, 2023Aug 10, 2023Oct 31, 2023Feb 14, 2024May 6, 2024Aug 13, 2024Oct 31, 2024Feb 14, 2025May 7, 2025Aug 14, 2025Oct 31, 2025Feb 13, 2026May 6, 2026Aug 13, 2026Oct 30, 2026
EPS Estimate---------------2.803.033.223.072.252.652.20-2.483.05-3.313.66--4.303.844.064.153.994.133.794.615.043.904.494.184.343.704.414.765.054.955.854.885.065.325.255.344.935.075.475.906.116.456.286.566.107.068.337.117.899.9810.528.218.568.359.6110.049.489.429.569.739.05
EPS Actual29.7241.7335.2816.6824.8542.8530.850.3729.4560.2149.429.1241.6457.9621.743.061.642.132.013.403.521.864.592.124.323.083.514.524.675.335.684.424.554.163.473.394.056.698.593.185.385.105.155.465.835.545.034.7111.146.094.994.234.925.586.036.246.648.006.166.926.126.125.039.617.456.628.476.159.018.7815.4610.509.1811.919.9811.4210.2612.23-
Surprise---------------9.29%-45.87%-33.85%-34.53%51.11%32.83%-15.45%--14.52%41.64%-6.04%23.50%--32.09%15.10%12.07%0.24%-13.03%-17.92%6.86%45.12%70.44%-18.46%19.82%22.01%18.66%47.57%32.20%16.39%-0.40%-4.85%90.43%24.80%-1.38%-20.49%-6.29%4.49%22.31%23.08%21.39%35.59%0.82%7.29%-2.55%-6.71%-17.54%36.12%-10.56%-6.89%7.35%-38.38%-14.35%6.94%80.61%25.75%-4.47%18.63%5.27%21.23%7.32%25.69%-
Timing---------------Pre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-market-After-hoursPre-market-Pre-marketPre-market--Pre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursPre-marketAfter-hours-After-hoursPre-marketPre-market-After-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap7.11B
Enterprise Value8.98B
Trailing P/E10.38
Forward P/E12.42
PEG Ratio5.65
Price / Sales5.01
Price / Book1.34
EPS43.72
Book Value310.09
Revenue (TTM)1.42B
Gross Profit (TTM)1.42B
Profit Margin49.75%
Operating Margin62.84%
Return on Equity13.54%
Return on Assets2.15%
Shares Outstanding15.65M
Shares Float15.59M
Beta0.14
Dividend Yield5.80%
Dividend Rate26.35
Payout Ratio60.04%

Dividends

20261×
26.35Mar 27, 2026
20251×
30.00Mar 28, 2025
20241×
20.00Mar 21, 2024
20231×
13.10Mar 28, 2023
20221×
2.30Mar 29, 2022
20212×
9.20Nov 4, 20212.20Mar 23, 2021
20201×
13.30Mar 20, 2020
20191×
10.60Mar 21, 2019
20181×
10.30Mar 22, 2018
20171×
1.89Mar 30, 2017
20161×
7.77Mar 17, 2016
20151×
8.96Mar 23, 2015
20141×
8.56Mar 24, 2014
20131×
5.48Mar 18, 2013
20121×
2.99Mar 19, 2012
20111×
6.47Mar 21, 2011
20101×
10.55Mar 8, 2010
20091×
6.97Mar 9, 2009
20081×
9.96Mar 10, 2008
20071×
9.46Feb 26, 2007
20061×
12.20Feb 27, 2006
20051×
9.21Feb 21, 2005
20041×
8.96Feb 23, 2004

Stock Splits

  • Apr 27, 2017700:697