Sogn Sparebank

SOGN · OL · Financial Services / Banks - Regional

302.00NOK+0.05 (+0.02%)

Price History

Full chart

Market Stats

Previous Close301.95

Open301.95

Day Range301.95 – 302.00

52-Week Range232.79 – 372.00

Volume181

Market Cap194.21M

P/E (TTM)14.15

Forward P/E0.00

EPS21.70

Dividend Yield7.16%

Beta0.32

50-Day Avg319.62

200-Day Avg316.19

About

Sogn Sparebank provides various banking products and services in Norway. The bank primarily serves small and medium-sized enterprises in Sogn and offers retail banking services nationwide, focusing on growth areas and larger cities, with Sogn as its priority market. Its offerings include deposit accounts, lending products, insurance solutions, and securities trading. The company offers car and home loans, home loan for young people, consumer and green home loans; refinancing; and loans for motorcycles, campervans, and ATVs; car insurance, travel insurance, home insurance, valuables insurance, child insurance, electric scooter insurance, and dog insurance. Sogn Sparebank was incorporated in 1846 and is headquartered in Årdalstangen, Norway.

Company Details

SectorFinancial Services
IndustryBanks - Regional
CEOMr. Mads Arnfinn Indrehus
Employees43
HeadquartersStatsråd Evensensveg 8, Årdalstangen, Norway, 6885, Norway
Websitehttps://sognbank.no

Leadership

Mr. Mads Arnfinn IndrehusManaging Director · b. 1967
Gunnar SkahjemAssistant Bank Manager & Head of Business Support · b. 1962
Ragnhild Skahjem TofastrudHead of Communications & HR · b. 1986
Bjarte BoCredit Officer & Business Support Advisor
Ms. Karin VikaneSpecial Adviser
Olaug SkjerdalGeneral Assembly Member

Financials

Income Statement

Currency: NOK	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	200.26M	148.64M	128.55M	142.85M	171.17M	165.27M	171.62M	135.28M	123.05M	124.79M	129.17M	215.21M	214.72M	192.02M	249.81M	246.63M	471.33M	257.16M
Growth (%)	-	-25.78%	-13.52%	+11.12%	+19.82%	-3.44%	+3.84%	-21.17%	-9.05%	+1.42%	+3.51%	+66.61%	-0.23%	-10.57%	+30.10%	-1.27%	+91.11%	-45.44%
Cost of Revenue	142.18M	81.73M	73.68M	86.02M	85.84M	82.54M	82.39M	55.70M	33.43M	30.78M	32.05M	57.44M	50.01M	28.56M	63.82M	-	224.70M	-
Gross Profit	58.09M	66.92M	54.87M	56.83M	85.33M	82.73M	89.23M	79.58M	89.61M	94.00M	97.13M	157.77M	164.71M	163.46M	185.99M	246.63M	246.63M	-
Gross Margin	29.01%	45.02%	42.68%	39.78%	49.85%	50.06%	51.99%	58.83%	72.83%	75.33%	75.19%	73.31%	76.71%	85.13%	74.45%	100.00%	52.33%	-
Operating Expense	59.30M	62.53M	43.12M	46.76M	47.88M	62.21M	61.51M	58.00M	67.96M	64.08M	71.98M	126.35M	126.77M	98.76M	101.73M	105.56M	111.81M	-
Operating Income	-1.21M	4.39M	11.76M	10.07M	37.45M	20.52M	27.73M	21.59M	21.65M	29.92M	25.14M	31.43M	37.94M	64.69M	84.25M	141.07M	134.82M	-
Operating Margin	-0.60%	2.95%	9.14%	7.05%	21.88%	12.42%	16.16%	15.96%	17.60%	23.98%	19.47%	14.60%	17.67%	33.69%	33.73%	57.20%	28.60%	-
EBITDA	2.79M	7.39M	15.61M	14.02M	41.10M	24.25M	31.61M	25.37M	25.86M	33.67M	27.77M	38.41M	43.66M	70.65M	90.90M	-	141.16M	-
EBITDA Margin	1.40%	4.97%	12.14%	9.82%	24.01%	14.68%	18.42%	18.75%	21.02%	26.98%	21.50%	17.85%	20.33%	36.80%	36.39%	-	29.95%	-
Net Income	-2.80M	3.07M	9.28M	7.44M	31.27M	15.62M	22.55M	17.60M	18.39M	24.92M	20.05M	28.54M	33.07M	52.26M	67.29M	103.76M	103.76M	113.07M
Net Income Margin	-1.40%	2.07%	7.22%	5.21%	18.27%	9.45%	13.14%	13.01%	14.94%	19.97%	15.52%	13.26%	15.40%	27.22%	26.94%	42.07%	22.01%	43.97%
Interest Expense	142.18M	81.73M	73.68M	86.02M	85.84M	82.54M	82.39M	55.70M	33.43M	30.78M	32.05M	57.44M	50.01M	28.56M	63.82M	224.70M	224.70M	228.51M
Interest Expense % of Total Revenue	70.99%	54.98%	57.32%	60.22%	50.15%	49.94%	48.01%	41.17%	27.17%	24.67%	24.81%	26.69%	23.29%	14.87%	25.55%	91.11%	47.67%	88.86%

Balance Sheet

Currency: NOK	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	3.13B	3.13B	3.28B	3.31B	3.33B	3.47B	3.54B	3.30B	3.33B	3.51B	3.75B	6.68B	7.14B	7.25B	7.25B	7.76B	8.23B	8.29B
Total Liabilities	2.95B	2.94B	3.07B	3.10B	3.10B	3.21B	3.26B	3.00B	2.97B	3.14B	3.34B	5.78B	6.21B	6.27B	6.18B	6.67B	7.05B	6.98B
Total Equity	183.25M	185.20M	209.79M	216.05M	232.08M	255.27M	280.05M	303.81M	359.38M	372.44M	400.46M	902.06M	925.69M	975.54M	1.07B	1.09B	1.18B	1.31B
Cash	304.38M	308.33M	188.47M	177.94M	171.46M	138.50M	444.60M	61.55M	120.23M	185.34M	251.27M	197.22M	81.57M	87.99M	82.92M	83.65M	86.92M	90.69M
Total Debt	870.58M	903.32M	1.12B	1.10B	1.01B	1.04B	826.80M	571.43M	490.22M	400.93M	450.94M	414.82M	510.63M	6.05B	5.98B	6.46B	6.84B	-
Net Debt	566.20M	594.99M	929.82M	920.46M	839.32M	901.06M	382.19M	509.88M	370.00M	215.59M	199.66M	217.60M	429.06M	5.96B	5.89B	6.38B	6.75B	6.76B

Cash Flow

Currency: NOK	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	4.30M	49.30M	-146.37M	11.49M	-14.47M	119.50M	441.54M	52.11M	-69.93M	203.66M	-87.98M	51.31M	-117.69M	10.73M	168.63M	81.19M	94.45M	191.78M
Investing Cash Flow	134.17M	-43.61M	-14.11M	-622.00K	-12.61M	4.18M	41.41M	-15.43M	1.34M	3.76M	40.98M	220.11M	22.54M	13.90M	-14.91M	9.55M	3.72M	-
Financing Cash Flow	-	32.15M	-17.02M	-21.42M	-1.80M	26.35M	-215.27M	-278.41M	-57.47M	-104.20M	38.94M	-94.17M	177.83M	-3.96M	-248.26M	115.33M	46.67M	-
Capital Expenditure	1.88M	1.73M	7.61M	639.00K	2.03M	652.00K	3.30M	1.58M	1.12M	426.00K	988.00K	988.00K	1.18M	7.20M	11.28M	7.63M	4.67M	18.19M
Free Cash Flow	2.42M	47.58M	-153.99M	10.85M	-16.50M	118.85M	438.25M	50.53M	-71.05M	203.23M	-87.98M	50.33M	-118.87M	3.53M	157.34M	73.57M	89.78M	173.59M
Dividends Paid	-	-	537.00K	1.77M	1.27M	2.06M	2.06M	2.06M	2.53M	1.90M	2.48M	1.26M	2.04M	4.02M	3.40M	6.33M	9.49M	12.65M
FCF to OCF	56.34%	96.50%	105.20%	94.44%	114.03%	99.45%	99.25%	96.98%	101.61%	99.79%	100.00%	98.07%	101.00%	32.92%	93.31%	90.61%	95.05%	90.51%
Dividend Paid to FCF	-	-	-0.35%	16.32%	-7.67%	1.73%	0.47%	4.07%	-3.56%	0.93%	-2.82%	2.51%	-1.72%	113.87%	2.16%	8.60%	10.57%	7.29%

Earnings

Report Date	May 1, 2009	Aug 27, 2009	Oct 29, 2009	Jan 29, 2010	Oct 27, 2010	Jan 28, 2011	Apr 29, 2011	Aug 25, 2011	Oct 27, 2011	Jan 27, 2012	Apr 27, 2012	Aug 15, 2012	Nov 1, 2012	Jan 25, 2013	May 3, 2013	Aug 29, 2013	Nov 1, 2013	Feb 6, 2014	May 2, 2014	Aug 14, 2014	Oct 31, 2014	Feb 5, 2015	Apr 30, 2015	Aug 14, 2015	Oct 30, 2015	Feb 12, 2016	Apr 29, 2016	Aug 12, 2016	Oct 28, 2016	Feb 14, 2017	Apr 28, 2017	Aug 15, 2017	Oct 27, 2017	Feb 14, 2018	Apr 27, 2018	Aug 15, 2018	Nov 12, 2018	Feb 12, 2019	Apr 26, 2019	Aug 15, 2019	Nov 1, 2019	Feb 14, 2020	May 14, 2020	Aug 13, 2020	Oct 29, 2020	Feb 11, 2021	May 10, 2021	Aug 11, 2021	Oct 27, 2021	Feb 14, 2022	May 11, 2022	Aug 11, 2022	Nov 10, 2022	Feb 14, 2023	May 10, 2023	Aug 14, 2023	Nov 14, 2023	Feb 14, 2024	May 13, 2024	Aug 14, 2024	Nov 14, 2024	Feb 13, 2025	May 14, 2025	Aug 14, 2025	Nov 14, 2025	Feb 12, 2026	May 15, 2026	Aug 14, 2026
EPS Estimate	-	-	-	-	2.44	0.65	-	-	-	-	1.32	2.08	-	-	-	-	2.02	1.62	1.52	4.51	1.46	1.67	1.81	4.65	2.89	1.75	0.92	4.75	1.48	1.71	0.17	5.17	1.99	1.77	0.95	3.85	2.28	2.23	2.00	3.72	1.72	-0.54	1.23	4.13	1.81	1.02	0.96	4.90	2.50	3.19	1.72	4.96	2.78	3.11	2.83	6.35	3.85	5.35	2.90	4.99	3.16	4.82	3.43	6.41	5.21	4.37	3.63	5.96
EPS Actual	-4.52	5.50	9.21	-33.15	2.44	0.67	0.96	6.42	-1.51	5.90	3.14	1.28	15.18	-0.84	4.43	9.37	3.48	0.25	2.41	5.20	3.20	1.12	1.10	5.98	0.91	1.20	0.09	4.83	3.09	0.55	0.47	7.04	2.44	1.90	1.56	4.94	1.39	1.14	1.38	2.66	3.10	-1.36	-0.70	3.99	2.00	1.02	1.47	4.13	3.25	2.29	1.85	5.23	2.88	4.27	3.99	5.61	4.26	4.37	4.00	7.15	5.91	4.73	5.04	6.38	6.35	4.84	4.16	6.34
Surprise	-	-	-	-	0.00%	3.08%	-	-	-	-	137.88%	-38.46%	-	-	-	-	72.28%	-84.57%	58.55%	15.30%	119.18%	-32.93%	-39.23%	28.60%	-68.51%	-31.43%	-90.22%	1.68%	108.78%	-67.84%	176.47%	36.17%	22.61%	7.34%	64.21%	28.31%	-39.04%	-48.88%	-31.00%	-28.49%	80.23%	-151.85%	-156.91%	-3.39%	10.50%	0.00%	53.13%	-15.71%	30.00%	-28.21%	7.56%	5.44%	3.60%	37.30%	40.99%	-11.65%	10.65%	-18.32%	37.93%	43.29%	87.03%	-1.87%	46.94%	-0.47%	21.88%	10.76%	14.60%	6.38%
Timing	-	-	-	-	After-hours	Pre-market	-	-	-	-	Pre-market	-	-	-	-	-	-	After-hours	-	Pre-market	Pre-market	After-hours	-	-	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	After-hours	After-hours	After-hours	Pre-market	Pre-market	Pre-market	After-hours	Pre-market	Pre-market	Pre-market	After-hours	After-hours	Pre-market	Pre-market	Pre-market	After-hours	After-hours	After-hours	Pre-market	After-hours	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market

Key Statistics & Ratios

Market Cap194.21M

Enterprise Value-236.29M

Trailing P/E14.15

Forward P/E0.00

Price / Sales0.76

Price / Book0.15

EPS21.70

Book Value2,151.94

Revenue (TTM)256.14M

Gross Profit (TTM)256.14M

Profit Margin43.76%

Operating Margin59.33%

Return on Equity8.79%

Return on Assets1.31%

Shares Outstanding632.50K

Shares Float559.88K

Beta0.32

Dividend Yield7.16%

Dividend Rate22.00

Payout Ratio101.43%

Dividends

20261×

22.00Apr 16, 2026

20251×

20.00Apr 10, 2025

20241×

15.00Apr 18, 2024

20231×

10.00Apr 21, 2023

20221×

5.50Apr 28, 2022

20211×

6.50Apr 29, 2021

20202×

3.00Apr 16, 202030.16Mar 31, 2020

20191×

2.00Mar 29, 2019

20171×

3.00Mar 31, 2017

20161×

4.00Mar 31, 2016

20151×

3.25Feb 27, 2015

20141×

3.25Feb 28, 2014

20131×

3.25Mar 1, 2013

20121×

2.00Mar 1, 2012

20111×

2.80Mar 1, 2011

20101×

0.85Mar 12, 2010

20081×

6.25Mar 14, 2008