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Romerike Sparebank

Romerike Sparebank

ROMER · OL · Financial Services / Banks - Regional

154.96NOK+2.68 (+1.76%)

Price History

Full chart

Market Stats

Previous Close152.28
Open154.96
Day Range154.96 – 154.96
52-Week Range127.60 – 168.00
Volume15
Market Cap1.24B
P/E (TTM)2.17
Forward P/E0.00
EPS71.92
Dividend Yield6.73%
Beta0.06
50-Day Avg151.81
200-Day Avg151.86

About

Romerike Sparebank provides various banking products and services. The company provides daily banking; mortgage for young people; proof of financing; refinancing of mortgage; green and moving mortgage; refinancing consumer debt; car, framework, construction, green rehabilitation, cottage, fixed-rate, and consumer loans; loans for motor cycles, motor homes, boats, and ATVs; and bank, BSU, mutual fund, retirement savings, micro saving, and fund savings for children. It also offers insurance for car, content, dog, travel, child, valuables, home, and electric scooters. In addition, the company provides savings and retirement products. The company was formerly known as Lillestrøm Sparebank and changed its name to Romerike Sparebank in September 2021. Romerike Sparebank was founded in 1887 and is headquartered in Lillestrøm, Norway.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMs. Siri Berggreen
  • Employees88
  • HeadquartersSquare 5, Lillestrøm, Norway, 2000, Norway
  • Websitehttps://www.rsbank.no

Leadership

  • Ms. Siri BerggreenPresident, CEO & GM · b. 1968
  • Ms. Torunn Merete HoltetBank manager and CFO of Economics & Finance · b. 1978
  • Mr. Martin FagerliHead of Business Development & Technology · b. 1976
  • Knut PaulsenHead of Risk & compliance
  • Lillian UssbergCommunications Manager
  • Mr. Jorgen SigernesMarketing Manager & Member of General Assembly
  • Signe Ingeborg EkebergHead of HR & Society · b. 1975
  • Mr. Kim FinstadHead of Customer & Markets · b. 1975
  • Ms. Anne Danielsen WoodHead of Project & Integration · b. 1958
  • May Vigdis AndersenHead of Corporate Governance

Financials

Income Statement

Currency: NOK2016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue--170.15M190.94M207.34M228.46M94.83M421.79M469.45M494.12M
Growth (%)---+12.22%+8.59%+10.18%-58.49%+344.80%+11.30%+5.25%
Net Income58.74M63.35M64.41M94.14M69.77M107.95M133.97M158.29M192.07M226.15M
Net Income Margin--37.85%49.30%33.65%47.25%141.28%37.53%40.91%45.77%
Interest Expense0082.21M116.80M95.33M78.64M74.49M471.56M628.63M700.82M
Interest Expense % of Total Revenue--48.32%61.17%45.97%34.42%78.56%111.80%133.91%141.83%

Balance Sheet

Currency: NOK2016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets6.68B7.40B8.06B8.69B9.83B11.18B15.34B16.70B18.01B19.78B
Total Liabilities6.09B6.66B7.26B7.81B8.71B9.96B13.36B14.56B15.74B17.29B
Total Equity590.97M748.94M799.95M877.69M1.12B1.22B1.98B2.15B2.28B2.49B
Cash--74.48M76.94M3.69M3.21M77.40M77.45M77.90M82.53M
Net Debt--2.33B2.43B2.70B2.59B3.07B4.11B4.93B5.99B

Cash Flow

Currency: NOK2016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-623.90M-432.35M-546.59M-462.83M-425.86M475.81M-514.31M-581.84M-819.78M-427.59M
Investing Cash Flow162.88M51.91M-48.04M-40.78M-2.92M-6.56M-16.02M-22.46M-11.73M
Financing Cash Flow412.68M570.57M593.09M541.43M218.57M-161.18M-820.12M460.58M740.33M
Capital Expenditure419.00K0380.00K89.00K0000012.21M
Free Cash Flow---363.89M-87.31M-425.86M475.81M-514.31M-581.84M-819.78M-439.80M
Dividends Paid--6.40M6.40M6.40M7.40M8.40M19.00M26.95M29.78M
FCF to OCF--66.57%18.86%100.00%100.00%100.00%100.00%100.00%102.86%
Dividend Paid to FCF---1.76%-7.33%-1.50%1.56%-1.63%-3.27%-3.29%-6.77%

Earnings

Report DateDec 31, 2017Mar 31, 2018Jun 30, 2018Sep 30, 2018Dec 31, 2018Mar 31, 2019Jun 30, 2019Sep 30, 2019Dec 31, 2019Mar 31, 2020Jun 30, 2020Sep 30, 2020Feb 16, 2021May 11, 2021Aug 13, 2021Nov 11, 2021Feb 15, 2022Apr 29, 2022Aug 12, 2022Oct 24, 2022Feb 15, 2023May 15, 2023Aug 15, 2023Nov 15, 2023Feb 15, 2024May 15, 2024Aug 14, 2024Nov 13, 2024Feb 14, 2025May 15, 2025Aug 14, 2025Nov 13, 2025Feb 12, 2026May 13, 2026Aug 14, 2026
EPS Estimate----------------2.12--2.182.102.134.182.712.672.584.362.672.712.523.822.552.882.183.18
EPS Actual1.431.452.571.491.251.085.021.761.620.833.041.950.771.723.892.281.821.421.677.102.152.075.872.392.432.586.552.782.272.514.412.862.931.983.76
Surprise-----------------14.15%--225.69%2.38%-2.82%40.43%-11.81%-8.99%0.00%50.23%4.12%-16.24%-0.40%15.45%12.16%1.74%-9.17%18.24%
Timing------------Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market-Pre-market

Key Statistics & Ratios

Market Cap1.24B
Enterprise Value2.84B
Trailing P/E2.17
Forward P/E0.00
Price / Sales2.60
Price / Book0.48
EPS71.92
Book Value813.86
Revenue (TTM)476.38M
Gross Profit (TTM)476.38M
Profit Margin42.82%
Operating Margin62.05%
Return on Equity8.66%
Return on Assets1.04%
Shares Outstanding7.94M
Shares Float2.37M
Beta0.06
Dividend Yield6.73%
Dividend Rate10.50
Payout Ratio91.07%

Dividends

20261×
10.50Mar 27, 2026
20251×
10.50Mar 27, 2025
20241×
9.50Mar 21, 2024
20231×
6.70Mar 30, 2023
20222×
8.40Apr 1, 20220.28Mar 15, 2022
20211×
6.76Mar 26, 2021
20201×
5.85Mar 20, 2020
20191×
6.76Mar 15, 2019
20181×
0.58Mar 16, 2018