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Trøndelag Sparebank

Trøndelag Sparebank

TRSB · OL · Financial Services / Banks - Regional

104.80NOK-4.20 (-3.85%)

Price History

Full chart

Market Stats

Previous Close109.00
Open107.04
Day Range104.06 – 107.04
52-Week Range100.49 – 119.00
Volume1.82K
Market Cap525.33M
P/E (TTM)11.80
Forward P/E0.00
EPS9.32
Dividend Yield4.54%
50-Day Avg109.80
200-Day Avg112.17

About

Trøndelag Sparebank, a savings bank, provides banking products and services in Norway. It operates in three segments: Private Market, Corporate Market, and Other Services. The company offers bank ID, bank card, credit card, current and savings accounts, mobile payment, pay aboard solutions, and mobile and online banking; and insurance products, including car and other vehicles, household and belongings, life and health, and animal. It also provides loans, such as car, green rehabilitation, and consumer, as well as loans for motorcycles, motorhomes, and ATVs, mortgage, green mortgage, and refinancing consumer debt; and house, retirement, and mutual fund savings. In addition, the company offers accounting and real estate brokerage services. Trøndelag Sparebank was founded in 1864 and is based in Brekstad, Norway.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Tor Espnes
  • Employees123
  • HeadquartersYrjars Gate 35, Brekstad, Norway, 7130, Norway
  • Websitehttps://www.trondelagsparebank.no

Leadership

  • Mr. Tor EspnesChief Executive Officer
  • Mr. Gaute Ivar KrogfjordChief Financial Officer
  • Mr. Inge HårstadExecutive Officer

Financials

Income Statement

Currency: NOK2020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue139.56M145.41M191.93M495.03M651.49M338.34M
Growth (%)-+4.20%+31.98%+157.93%+31.61%-48.07%
Cost of Revenue36.25M28.21M57.90M216.56M338.96M-
Gross Profit103.31M117.20M134.02M278.46M312.53M-
Gross Margin74.03%80.60%69.83%56.25%47.97%-
Operating Expense67.79M68.27M89.44M196.41M227.37M-
Operating Income35.52M48.93M44.59M82.05M85.17M-
Operating Margin25.45%33.65%23.23%16.57%13.07%-
EBITDA37.13M52.99M48.96M86.25M92.95M-
EBITDA Margin26.61%36.44%25.51%17.42%14.27%-
Net Income27.96M38.07M35.39M70.80M67.42M70.20M
Net Income Margin20.04%26.18%18.44%14.30%10.35%20.75%
Interest Expense36.25M28.21M57.90M216.56M338.96M361.45M
Interest Expense % of Total Revenue25.97%19.40%30.17%43.75%52.03%106.83%

Balance Sheet

Currency: NOK2020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets4.00B4.13B4.81B8.49B9.37B10.21B
Total Liabilities3.57B3.66B4.22B7.53B8.26B9.04B
Total Equity431.92M466.12M584.31M957.44M1.11B1.18B
Cash8.05M77.70M83.98M92.67M92.52M94.88M
Total Debt706.51M568.71M866.92M1.84B2.03B-
Net Debt698.45M491.01M782.94M1.75B1.94B2.44B

Cash Flow

Currency: NOK2020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow171.34M-72.40M-103.62M-856.46M-186.75M-187.64M
Investing Cash Flow1.49M-9.41M-25.20M-27.02M-29.75M-68.35M
Financing Cash Flow132.94M-160.33M344.14M473.62M158.29M342.60M
Capital Expenditure9.28M5.19M436.00K46.01M32.56M26.29M
Free Cash Flow162.07M-77.60M-104.05M-902.47M-219.32M-213.93M
Dividends Paid-10.77M7.40M6.79M15.62M22.92M
FCF to OCF94.59%107.17%100.42%105.37%117.44%114.01%
Dividend Paid to FCF--13.88%-7.11%-0.75%-7.12%-10.71%

Earnings

Report DateFeb 26, 2025May 28, 2025Sep 3, 2025Dec 3, 2025Feb 25, 2026Jun 3, 2026Sep 2, 2026
EPS Estimate1.032.033.221.381.141.722.79
EPS Actual0.323.843.481.310.870.182.44
Surprise-68.62%89.36%8.05%-4.83%-24.09%-89.27%-12.40%
Timing-------

Key Statistics & Ratios

Market Cap525.33M
Enterprise Value2.52B
Trailing P/E11.80
Forward P/E0.00
Price / Sales1.69
Price / Book0.45
EPS9.32
Book Value224.15
Revenue (TTM)309.97M
Gross Profit (TTM)309.97M
Profit Margin14.38%
Operating Margin32.89%
Return on Equity4.01%
Return on Assets0.45%
Shares Outstanding4.77M
Shares Float1.00M
Dividend Yield4.54%
Dividend Rate5.00
Payout Ratio104.01%

Dividends

20261×
5.00Mar 27, 2026
20251×
4.80Mar 28, 2025