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Tinde Sparebank

TINDE · OL · Financial Services / Financial Conglomerates

115.00NOK+3.00 (+2.68%)

Price History

Full chart

Market Stats

Previous Close112.00
Open111.98
Day Range111.98 – 115.00
52-Week Range96.95 – 121.80
Volume6.62K
Market Cap610.40M
P/E (TTM)23.38
Forward P/E0.00
EPS4.79
Dividend Yield4.38%
Beta-0.11
50-Day Avg111.44
200-Day Avg115.23

About

Tinde Sparebank operates as a savings bank that provides various financial products and services to retail and corporate customers in Norway. It offers savings and pension accounts, credit cards, and mobile and online banking services. The company also provides insurance products for cars, children, contents, household items, home, travel, dog, and damage; and loan products for car, mortgage, consumer, motorcycles, motorhomes, and ATVs, as well as refinances consumer debt. The company was formerly known as Romsdal Sparebank and changed its name to Tinde Sparebank in June 2025. The company was founded in 1878 and is based in Elnesvågen, Norway.

Company Details

  • SectorFinancial Services
  • IndustryFinancial Conglomerates
  • CEOMr. Jonny Engdahl
  • Employees103
  • HeadquartersTorget 14, Elnesvågen, Norway, 6440, Norway
  • Websitehttps://www.tinde.no

Leadership

  • Mr. Jonny EngdahlMD & CEO · b. 1971
  • Gunhild BrubaekHead of Economics & Finance · b. 1985
  • Ms. Reidun BrevikHead of HR & Legal · b. 1974
  • Mr. Christian SollidHead of Corporate Market · b. 1974
  • Mr. Odd Kjetil SorgaardDeputy MD and Head of Strategy & Business Development · b. 1966
  • Mr. Jan-Borge SilsethHead of Credit Management · b. 1967
  • Hilde Anita Furland FrostadHead of Retail Market · b. 1974
  • Mr. Eivind LervikHead of Risk Management · b. 1983
  • Maria Elis Henøen HustadHead of the Economic Crime Department & Anti-Money Laundering Officer · b. 1985
  • Steinar AasboHead of Insurance · b. 1968

Financials

Income Statement

Currency: NOK2021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue164.25M188.00M222.81M240.79M376.27M
Growth (%)-+14.46%+18.52%+8.07%+56.27%
Net Income52.98M60.52M68.15M79.84M83.30M
Net Income Margin32.26%32.19%30.59%33.16%22.14%
Interest Expense46.91M80.66M175.28M253.75M373.36M
Interest Expense % of Total Revenue28.56%42.90%78.67%105.39%99.23%

Balance Sheet

Currency: NOK2021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets6.50B6.72B7.10B7.90B14.51B
Total Liabilities5.70B5.84B6.16B6.83B12.39B
Total Equity805.60M887.13M944.43M1.08B2.12B
Cash86.34M85.11M47.37M49.85M80.07M
Net Debt936.43M954.05M1.24B1.21B2.68B

Cash Flow

Currency: NOK2021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow219.78M-9.66M-198.85M60.18M-475.49M
Investing Cash Flow--37.65M-68.00K-8.47M176.67M
Financing Cash Flow--34.48M169.36M-46.25M352.38M
Capital Expenditure3.69M341.00K10.58M4.20M10.93M
Free Cash Flow216.08M-10.00M-209.43M60.98M-482.92M
Dividends Paid6.60M15.72M17.00M14.99M25.08M
FCF to OCF98.32%103.53%105.32%101.33%101.56%
Dividend Paid to FCF3.05%-157.16%-8.12%24.58%-5.19%

Earnings

Report DateJun 30, 2020Sep 30, 2020Dec 31, 2020Mar 31, 2021Jun 30, 2021Dec 1, 2021Mar 30, 2022Jun 1, 2022Aug 31, 2022Oct 26, 2022Mar 1, 2023May 11, 2023Aug 14, 2023Nov 29, 2023Feb 28, 2024May 13, 2024Aug 14, 2024Nov 7, 2024Feb 12, 2025May 14, 2025Sep 3, 2025Nov 10, 2025Feb 12, 2026May 13, 2026Aug 13, 2026
EPS Estimate------3.00--2.80-2.474.47--2.553.512.382.312.422.202.021.431.391.33
EPS Actual2.511.030.405.079.594.001.845.4211.504.837.218.533.906.703.609.114.988.676.297.831.691.311.310.551.96
Surprise-------38.67%--72.50%-245.34%-12.75%--257.25%41.88%264.29%172.29%223.55%-23.22%-35.15%-8.39%-60.43%47.37%
Timing------After-hours--After-hours-Pre-marketAfter-hours--After-hoursAfter-hoursPre-marketAfter-hoursAfter-hours-Pre-marketAfter-hoursAfter-hoursPre-market

Key Statistics & Ratios

Market Cap610.40M
Enterprise Value1.76B
Trailing P/E23.38
Forward P/E0.00
Price / Sales1.83
Price / Book0.28
EPS4.79
Book Value364.01
Revenue (TTM)334.36M
Gross Profit (TTM)334.36M
Profit Margin23.66%
Operating Margin39.76%
Return on Equity3.81%
Return on Assets0.55%
Shares Outstanding5.45M
Shares Float5.44M
Beta-0.11
Dividend Yield4.38%
Dividend Rate4.90
Payout Ratio95.52%

Dividends

20261×
4.90Mar 27, 2026
20251×
9.00Mar 27, 2025
20241×
7.63Mar 21, 2024
20231×
8.37Mar 30, 2023
20221×
7.74Mar 31, 2022
20211×
3.25Nov 1, 2021