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Sparebank 1 Nord-Norge stock

NONG.OL
NO0006000801
A0DK56

Price

115.80 NOK
Today +/-
-0.17 NOK
Today %
-1.73 %
P

Sparebank 1 Nord-Norge stock price

NOK
%
Weekly
Details

Price

ⓘ

Overview

The Quote Chart provides detailed and dynamic insights into the Sparebank 1 Nord-Norge stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the Sparebank 1 Nord-Norge stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the Sparebank 1 Nord-Norge stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze Sparebank 1 Nord-Norge's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

Sparebank 1 Nord-Norge Stock Price History

DateSparebank 1 Nord-Norge Price
11/1/2024115.80 NOK
10/31/2024117.82 NOK
10/30/2024118.12 NOK
10/29/2024118.26 NOK
10/28/2024118.00 NOK
10/25/2024118.30 NOK
10/24/2024117.90 NOK
10/23/2024117.82 NOK
10/22/2024117.74 NOK
10/21/2024115.40 NOK
10/18/2024114.20 NOK
10/17/2024114.00 NOK
10/16/2024112.04 NOK
10/15/2024110.40 NOK
10/14/2024109.00 NOK
10/11/2024110.38 NOK
10/10/2024109.00 NOK
10/9/2024109.66 NOK
10/8/2024108.06 NOK
10/7/2024107.86 NOK

Sparebank 1 Nord-Norge Revenue, EBIT, Net Income

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Revenue
Net Income
Details

Revenue, EBIT and Profit

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Understanding Revenue, EBIT, and Income

Gain insights into Sparebank 1 Nord-Norge, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by Sparebank 1 Nord-Norge from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects Sparebank 1 Nord-Norge’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of Sparebank 1 Nord-Norge. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into Sparebank 1 Nord-Norge’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing Sparebank 1 Nord-Norge’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on Sparebank 1 Nord-Norge’s growth potential.

Sparebank 1 Nord-Norge Revenue, EBIT and net profit per share

DateSparebank 1 Nord-Norge RevenueSparebank 1 Nord-Norge Net Income
2026e5.97 B NOK1.28 B NOK
2025e5.95 B NOK1.28 B NOK
2024e6.2 B NOK1.36 B NOK
20238.38 B NOK1.17 B NOK
20225.43 B NOK845.61 M NOK
20214.93 B NOK1.06 B NOK
20205 B NOK807.6 M NOK
20195.45 B NOK955.9 M NOK
20184.41 B NOK714.9 M NOK
20174.24 B NOK667.6 M NOK
20164.07 B NOK580.9 M NOK
20153.96 B NOK412.7 M NOK
20144.64 B NOK518.7 M NOK
20134.34 B NOK457.7 M NOK
20123.84 B NOK595 M NOK
20113.59 B NOK525 M NOK
20103.55 B NOK816 M NOK
20093.84 B NOK858 M NOK
20084.75 B NOK348 M NOK
20073.98 B NOK703 M NOK
20063.02 B NOK762 M NOK
20052.42 B NOK554 M NOK
20042.26 B NOK401 M NOK

Sparebank 1 Nord-Norge Income Statement, Balance Sheet, Cash Flow Statement

  • Simple

  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (B NOK)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (M NOK)EBIT (B NOK)EBIT MARGIN (%)NET INCOME (B NOK)NET INCOME GROWTH (%)DIV. (NOK)DIV. GROWTH (%)SHARES (M)DOCUMENTS
1997199819992000200120022003200420052006200720082009201020112012201320142015201620172018201920202021202220232024e2025e2026e
1.742.12.63.093.213.232.912.262.423.023.984.753.843.553.593.844.344.643.964.074.244.415.4554.935.438.386.25.955.97
-21.1323.7218.564.150.34-9.92-22.106.8924.9731.6919.19-19.14-7.451.186.7413.226.86-14.682.704.284.0123.67-8.31-1.4010.1454.24-26.00-3.980.27
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000000000000000000000000000000
0000000000000000000000000003.793.73.69
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0.190.160.290.380.20.060.210.40.550.760.70.350.860.820.530.60.460.520.410.580.670.710.960.811.060.851.171.361.281.28
--17.0182.6130.61-46.88-69.12233.3390.9538.1537.55-7.74-50.50146.55-4.90-35.6613.33-23.1913.35-20.4640.7815.007.0533.75-15.5031.10-20.1338.2216.01-5.24-0.62
------------------------------
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49.149.149.550.350.350.350.350.350.350.353.456.956.956.97474110.8100.3100.4100.4101101.7101.8102.4104.3100.4101.45000
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Details

Keystats

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Revenue and Growth

The Sparebank 1 Nord-Norge Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the Sparebank 1 Nord-Norge is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (M NOK)RECEIVABLES (M NOK)OTHER REC. (M NOK)INVENTORIES (M NOK)OTHER CURRENT LIAB. (M NOK)CURRENT ASSETS (M NOK)TANGIBLE ASSETS (B NOK)LONG-T. INVEST. (B NOK)LONG-T. REC. (M NOK)INTANGIBLE ASSETS (M NOK)GOODWILL (M NOK)OTHER NON-CURRENT ASSETS (M NOK)NON-CURRENT ASSETS (B NOK)TOTAL ASSETS (B NOK)LIABILITIESCOMMON STOCK (B NOK)ADDITIONAL PAID-IN CAPITAL (M NOK)RETAINED EARNINGS (B NOK)OTHER EQUITY (B NOK)UNREAL. GAINS/LOSSES (M NOK)EQUITY (B NOK)LIABILITIES (B NOK)PROVISIONS (B NOK)OTHER SHORT-TERM LIAB. (M NOK)SHORT-TERM DEBTS (B NOK)LONG-TERM DEBT PORTION (B NOK)SHORT-TERM REC. (B NOK)LONG-T. LIAB. (B NOK)DEFERRED TAXES (M NOK)OTHER LIAB. (B NOK)LONG-T. LIABILITIES (B NOK)DEBT (B NOK)TOTAL CAPITAL (B NOK)
199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
                                                     
000000000000000000000000000
000000000000000000000000000
000000000000000000000000000
000000000000000000000000000
000000000000000000000000000
000000000000000000000000000
0.420.530.570.590.590.570.550.560.50.510.570.490.470.460.510.520.60.590.550.50.450.51.020.980.860.830.81
0.140.140.20.350.320.270.260.310.50.791.251.82.42.863.023.513.564.194.424.374.764.994.264.814.844.864.86
000000000000000000000000000
0000000000000212653210002354218
0543320000011100606151636692100109114117185
03325525554381021058415000000851701932862652372398800
0.560.710.80.990.970.890.850.971.11.381.832.292.873.343.554.084.244.935.25.135.565.855.626.145.95.815.86
0.560.710.80.990.970.890.850.971.11.381.832.292.873.343.554.084.244.935.25.135.565.855.626.145.95.815.86
                                                     
0.640.640.650.660.660.660.660.660.790.790.840.90.90.91.661.661.811.811.811.811.811.811.811.811.811.811.81
001888888876123123123245245843843843843843843843843843843843
000000000000000000000000011.030
0.250.971.151.391.551.571.691.842.142.723.333.434.144.654.514.965.836.717.238.349.6110.3711.4812.3613.8113.0414.3
6385157852000000060-2-4-3-2-30802035424215000
1.531.661.852.142.242.242.362.512.943.524.254.455.165.676.416.868.489.339.9611.0112.313.0614.1715.0216.4626.7216.95
00000000000000000.360000000079.480
0.220.270.260.270.410.490.490.48000000000.420.630.710.860.60.760.970.581.370.50.86
0000000000000000000262964333638035
00000000000000000000000002.440
0000000000000000004.663.893.452.740003.850
0.220.270.260.270.410.490.490.48000000000.780.635.374.784.083.5710.621.486.280.9
7.278.159.0110.4310.6610.1712.6712.9316.9620.1220.9221.2115.7715.8214.718.6317.7922.6618.1618.6220.9523.626.2624.6622.4821.4522.74
000000000001123671072022282532381742862771604551272551
0.490.310.360.430.380.350.330.540.780.540.420.470.40.510.521.731.011.781.771.231.291.491.342.111.273.753.61
7.768.469.3710.8611.0410.5113.0113.4717.7420.6521.3421.7916.1816.415.3220.5719.0224.6920.1720.0322.5225.3627.7627.2323.8825.2226.39
7.988.739.6311.1311.451113.513.9617.7420.6521.3421.7916.1816.415.3220.5719.7925.3225.5424.826.628.9328.7627.8525.29111.5127.29
9.5110.411.4913.2713.6913.2415.8616.4720.6824.1725.5826.2421.3322.0621.7327.4228.2734.6535.535.8138.941.9842.9342.8741.74138.2344.23
Details

Balance Sheet

ⓘ

Understanding the Balance Sheet

The balance sheet of Sparebank 1 Nord-Norge provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand Sparebank 1 Nord-Norge's financial health and stability.

Assets

Sparebank 1 Nord-Norge's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that Sparebank 1 Nord-Norge must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of Sparebank 1 Nord-Norge after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into Sparebank 1 Nord-Norge's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (B NOK)DEPRECIATION (M NOK)DEFERRED TAXES (M NOK)CHANGES IN WORKING CAPITAL (B NOK)NON-CASH ITEM (M NOK)PAID INTEREST (M NOK)PAID TAXES (M NOK)NET CASH FLOW FROM OPERATING ACTIVITIES (B NOK)CAPITAL EXPENDITURES (M NOK)CASH FLOW FROM INVESTING ACTIVITIES (M NOK)CASH FLOW FROM OTHER INVESTING ACTIVITIES (M NOK)INTEREST INCOME AND EXPENSES (M NOK)NET DEBT CHANGE (B NOK)NET CHANGE IN EQUITY (M NOK)CASH FLOW FROM FINANCING ACTIVITIES (B NOK)CASH FLOW FROM OTHER FINANCING ACTIVITIES (M NOK)TOTAL DIVIDENDS PAID (M NOK)NET CHANGE IN CASH FLOW (B NOK)FREE CASH FLOW (M NOK)SHARE-BASED COMPENSATION (M NOK)
199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
0.260.240.40.50.320.160.270.580.730.970.890.49110.680.771.181.351.031.541.761.922.472.12.792.363.27
495665657066585149495561494547545697566065611201091049288
000000000000000000000000000
-0.62-0.73-0.68-0.990.070.54-2.81-0.84-3.87-3.260.210.354.79-0.19-0.2-4.75-0.84-2.76-2.84-0.73-2.81-0.44-4.10.230.431.06-0.92
-68-74-104-95-104-92-61-175-172-216-187-132-142-186-166-176-217-252-161-311-323-373-409-360-495-513-725
00000000000000000000000003760
0000000017220500000000000000000
-0.38-0.51-0.32-0.520.360.67-2.54-0.39-3.27-2.460.970.775.70.670.36-4.10.18-1.57-1.910.56-1.31.17-1.912.082.8331.72
-74-174-112-81-75-56-64-60-32-84-117-62-33-36-95-61-136-131-52-80-90-169-637-68-49-62-70
-336-303-669-836-65511-39-94-203-334-420-540-629-501-245-552-183-753-25266-407-34296-621143-201-136
-262-129-557-755-5806725-34-171-250-303-478-596-465-150-491-47-622-200146-317-173733-553192-139-66
000000000000000000000000000
0.940.880.861.240.24-0.471.870.573.933.070.920.08-5.580.32-1.143.19-0.24.780.16-0.312.391.58-0.35-0.052.46-1.090.02
1356178-17-14631-3089585-3309147-261591739105-100000000000
0.960.880.861.420.23-0.492.50.264.033.160.920.39-5.440.05-0.543.93-0.094.680.16-0.312.422.18-0.5-2.57-2.93-3.06-0.96
0000000000000000000030600-149-1,652-4,544-184605
00000000000000000000000-867-845-1,784-1,588
0.250.07-0.120.07-0.080.2-0.08-0.220.550.371.470.62-0.370.23-0.43-0.72-0.12.36-2.010.320.713.01-2.32-1.110.04-0.250.62
-449-683-430-598280617-2,605-448-3,300-2,5428507075,667638266-4,16445-1,701-1,963482-1,3911,002-2,5492,0122,7792,9421,650
000000000000000000000000000

Sparebank 1 Nord-Norge stock margins

The Sparebank 1 Nord-Norge margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Sparebank 1 Nord-Norge. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Sparebank 1 Nord-Norge.

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Profit margin
Details

Margin

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Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the Sparebank 1 Nord-Norge's sales revenue. A higher gross margin percentage indicates that the Sparebank 1 Nord-Norge retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the Sparebank 1 Nord-Norge's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the Sparebank 1 Nord-Norge's total revenue generated. When comparing the revenue margin year over year, investors can gauge the Sparebank 1 Nord-Norge's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the Sparebank 1 Nord-Norge. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the Sparebank 1 Nord-Norge's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

Sparebank 1 Nord-Norge Margin History

DateSparebank 1 Nord-Norge Profit margin
2026e21.39 %
2025e21.59 %
2024e21.86 %
202313.95 %
202215.57 %
202121.46 %
202016.15 %
201917.53 %
201816.21 %
201715.75 %
201614.29 %
201510.42 %
201411.18 %
201310.54 %
201215.51 %
201114.61 %
201022.98 %
200922.36 %
20087.33 %
200717.66 %
200625.21 %
200522.9 %
200417.72 %

Sparebank 1 Nord-Norge Stock Sales Revenue, EBIT, Earnings per Share

The Sparebank 1 Nord-Norge earnings per share therefore indicates how much revenue Sparebank 1 Nord-Norge has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

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  • Max

Sales per Share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue Sparebank 1 Nord-Norge earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Sparebank 1 Nord-Norge's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Sparebank 1 Nord-Norge’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Sparebank 1 Nord-Norge's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Sparebank 1 Nord-Norge Revenue, EBIT and net profit per share

DateSparebank 1 Nord-Norge Sales per ShareSparebank 1 Nord-Norge Earnings per Share
2026e59.44 NOK12.72 NOK
2025e59.28 NOK12.8 NOK
2024e61.74 NOK13.5 NOK
202382.57 NOK11.52 NOK
202254.09 NOK8.42 NOK
202147.28 NOK10.15 NOK
202048.84 NOK7.89 NOK
201953.58 NOK9.39 NOK
201843.36 NOK7.03 NOK
201741.98 NOK6.61 NOK
201640.5 NOK5.79 NOK
201539.43 NOK4.11 NOK
201446.26 NOK5.17 NOK
201339.19 NOK4.13 NOK
201251.82 NOK8.04 NOK
201148.55 NOK7.09 NOK
201062.41 NOK14.34 NOK
200967.43 NOK15.08 NOK
200883.39 NOK6.12 NOK
200774.55 NOK13.16 NOK
200660.1 NOK15.15 NOK
200548.09 NOK11.01 NOK
200444.99 NOK7.97 NOK

Sparebank 1 Nord-Norge business model

Sparebank 1 Nord-Norge, also known as SNBN, is a Norwegian bank located in Tromsø, a city in Northern Norway. The bank was established in 1824 and has since been an important institution in the region. Its business area includes the counties of Nordland, Troms, and Finnmark, making it the largest geographical bank in Norway. SNBN is a member bank of the Sparebank 1 network, which consists of 14 independent savings banks operating in various regions of Norway. The network was established in 1996 to promote competition in the banking industry and offer an alternative to the large banks in Norway. Since then, the member banks have together developed a wide range of financial services tailored to the needs of local customers. SNBN offers a variety of products and services, including savings and checking accounts, credit cards, loans and mortgages, investment and asset management services, and insurance. The bank also has the ability to provide its customers with customized solutions and personal advice to meet their individual needs. SNBN also has various business divisions, including real estate and banking operations, corporate financing, fund management, accounting, and human resources. These business areas are tailored to the needs of businesses and individual customers in the region. The bank has also specialized in financing renewable energy projects. SNBN is one of the largest funders of wind energy projects in Norway and has also invested in hydropower projects. The bank is committed to supporting sustainable energy supply in the region. In recent years, the bank has also developed a strong online presence and offers its customers a wide range of digital services, such as a mobile application that allows customers to manage their accounts and complete banking transactions online. SNBN is committed to promoting responsible corporate governance and has launched various initiatives to promote economic, social, and environmental sustainability in the region. The bank is also committed to supporting the communities in which it operates and has established strong partnerships with various organizations and institutions at the local level. Overall, Sparebank 1 Nord-Norge is an important regional bank that offers a wide range of financial services and focuses on the needs of businesses and individual customers in Northern Norway. The bank has a long history in the region and is committed to continuing its dedication to the local community and promoting economic and environmental sustainability. Sparebank 1 Nord-Norge is one of the most popular companies on Eulerpool.com.

Sparebank 1 Nord-Norge SWOT Analysis

Strengths

Sparebank 1 Nord-Norge has a strong brand presence in the region, which enhances customer trust and loyalty. The bank has a diverse range of products and services, including banking, insurance, and investment options, catering to the comprehensive financial needs of its customers. It also has a robust network of branches and ATMs, providing easy accessibility to its services.

Weaknesses

One of the weaknesses of Sparebank 1 Nord-Norge is its relatively small market share compared to larger national and international banks, which may limit its potential for growth and profitability. Moreover, the bank may face challenges in competing with digital banks that offer innovative and convenient online services, especially among the tech-savvy younger generation.

Opportunities

The bank can leverage its strong regional presence to expand its customer base within the region, targeting individuals, small businesses, and corporations. By adopting and investing in digital banking solutions, Sparebank 1 Nord-Norge can cater to the evolving needs and preferences of customers who prefer online banking. The bank can also explore partnerships and collaborations to enhance its product offerings and create new revenue streams.

Threats

One of the threats to Sparebank 1 Nord-Norge is increased competition from both traditional banks and fintech startups. Additionally, economic fluctuations and changes in regulatory policies may impact the bank's operations and profitability. The bank should also be cautious about potential cybersecurity risks and data breaches, as such incidents can lead to reputational damage and loss of customer trust.

Sparebank 1 Nord-Norge Eulerpool Fair Value

Details

Fair Value

ⓘ

Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

Sparebank 1 Nord-Norge historical P/E ratio, EBIT multiple, and P/S ratio

Sparebank 1 Nord-Norge shares outstanding

The number of shares was Sparebank 1 Nord-Norge in 2023 — This indicates how many shares 101.453 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

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Details

Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue Sparebank 1 Nord-Norge earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Sparebank 1 Nord-Norge's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Sparebank 1 Nord-Norge’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Sparebank 1 Nord-Norge's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Sparebank 1 Nord-Norge stock splits

In Sparebank 1 Nord-Norge's history, there have been no stock splits.

Sparebank 1 Nord-Norge dividend history and estimates

In 2023, Sparebank 1 Nord-Norge paid a dividend amounting to 16.4 NOK. Dividend means that Sparebank 1 Nord-Norge distributes a portion of its profits to its owners.

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Dividend
Dividend (Estimate)
Details

Dividend

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Dividend Overview

The dividend per year chart for Sparebank 1 Nord-Norge provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify Sparebank 1 Nord-Norge’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating Sparebank 1 Nord-Norge's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

Sparebank 1 Nord-Norge Dividend History

DateSparebank 1 Nord-Norge Dividend
2026e16.83 NOK
2025e16.81 NOK
2024e16.84 NOK
202316.4 NOK
20225.2 NOK
20213.9 NOK
20204 NOK
20194 NOK
20184 NOK
20173.45 NOK
20162 NOK
20151.9 NOK
20141.1 NOK
20131.03 NOK
20121.25 NOK
20111.81 NOK
20102.12 NOK
20090.94 NOK
20082.99 NOK
20073.15 NOK
20063.15 NOK
20052.49 NOK
20041.84 NOK

Sparebank 1 Nord-Norge dividend payout ratio

In 2023, Sparebank 1 Nord-Norge had a payout ratio of 50.29%. The payout ratio indicates the percentage of the company's profits that Sparebank 1 Nord-Norge distributes as dividends.

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Payout ratio

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What is Yearly Payout Ratio?

The yearly payout ratio for Sparebank 1 Nord-Norge represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for Sparebank 1 Nord-Norge could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate Sparebank 1 Nord-Norge's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

Sparebank 1 Nord-Norge Payout Ratio History

DateSparebank 1 Nord-Norge Payout ratio
2026e51.5 %
2025e54.06 %
2024e50.15 %
202350.29 %
202261.74 %
202138.42 %
202050.7 %
201942.64 %
201856.98 %
201752.19 %
201634.54 %
201546.23 %
201421.28 %
201324.91 %
201215.58 %
201125.52 %
201014.81 %
20096.26 %
200848.93 %
200723.91 %
200620.77 %
200522.63 %
200423.03 %

The World’s Best Investors Are On Eulerpool

Unfortunately, there are currently no price targets and forecasts available for Sparebank 1 Nord-Norge.

Sparebank 1 Nord-Norge latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
6/30/20243.3 NOK3.32 NOK (0.46 %)2024 Q2
3/31/20243.29 NOK3.14 NOK (-4.5 %)2024 Q1
12/31/20233.55 NOK3.38 NOK (-4.78 %)2023 Q4
9/30/20233.25 NOK2.27 NOK (-30.09 %)2023 Q3
6/30/20232.81 NOK2.41 NOK (-14.27 %)2023 Q2
3/31/20232.71 NOK3.24 NOK (19.69 %)2023 Q1
12/31/20222.36 NOK3.01 NOK (27.42 %)2022 Q4
9/30/20222.22 NOK3.81 NOK (71.98 %)2022 Q3
6/30/20222.13 NOK1.51 NOK (-29.03 %)2022 Q2
3/31/20222.05 NOK2.02 NOK (-1.67 %)2022 Q1
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Eulerpool ESG Scorecard© for the Sparebank 1 Nord-Norge stock

Eulerpool World ESG Rating (EESG©)

56/ 100

🌱 Environment

89

👫 Social

46

🏛️ Governance

32

Environment

Scope 1 - Direct Emissions
4.6
Scope 2 - Indirect emissions from purchased energy
92.8
Scope 3 - Indirect emissions within the value chain
192,161.4
Total CO₂ emissions
97.4
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency

Social

Percentage of female employees53
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic

Governance (Corporate Governance)

Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Sparebank 1 Nord-Norge shareholders

%
Name
Stocks
Change
Date
10.29694 % Pareto Asset Management AS10,337,923577,5576/30/2024
4.29696 % Eika Kapitalforvaltning AS4,314,06651,2507/31/2024
3.83601 % Geveran Trading Company, Ltd.3,851,27706/30/2024
3.13380 % Fidelity Management & Research Company LLC3,146,27308/31/2024
2.89938 % KLP Fondsforvaltning AS2,910,921138,4996/30/2024
2.39977 % MP Pensjon2,409,32206/30/2024
1.74568 % Forsvarets Personellservice1,752,63006/30/2024
1.40601 % Sparebankstiftelsen Sparebank 1 Nord-Norge1,411,60606/30/2024
1.34698 % Handelsbanken Kapitalf¿rvaltning AB1,352,346-43,5929/30/2024
1.29977 % American Century Investment Management, Inc.1,304,94880,9986/30/2024
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Sparebank 1 Nord-Norge Executives and Management Board

Ms. Liv Bortne Ulriksen
Sparebank 1 Nord-Norge Chief Executive Officer (since 2020)
Compensation 4.92 M NOK
Mr. Bengt Olsen(53)
Sparebank 1 Nord-Norge Chief Financial Officer (since 2016)
Compensation 3.23 M NOK
Ms. Trude Glad
Sparebank 1 Nord-Norge Executive Vice President - Corporate Markets (since 2022)
Compensation 3.18 M NOK
Mr. Bjorn Tore Markussen
Sparebank 1 Nord-Norge Executive Vice President - Innovation and Business Development
Compensation 3.16 M NOK
Mr. Lasse Hagerupsen
Sparebank 1 Nord-Norge Executive Vice President - Retail Markets (since 2022)
Compensation 2.65 M NOK
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Most common questions regarding Sparebank 1 Nord-Norge

What values and corporate philosophy does Sparebank 1 Nord-Norge represent?

Sparebank 1 Nord-Norge represents a set of values and a corporate philosophy that prioritizes customer satisfaction and long-term relationships. The bank strives to be accessible, local, and innovative in delivering financial services. With a strong focus on community development, Sparebank 1 Nord-Norge aims to contribute to the growth and prosperity of the regions it serves. Transparency, trust, and responsibility are key pillars of their operations. By consistently meeting the financial needs of individuals, businesses, and society at large, Sparebank 1 Nord-Norge solidifies its position as a reliable and customer-oriented bank.

In which countries and regions is Sparebank 1 Nord-Norge primarily present?

Sparebank 1 Nord-Norge is primarily present in Norway.

What significant milestones has the company Sparebank 1 Nord-Norge achieved?

Some significant milestones achieved by Sparebank 1 Nord-Norge include expansion and growth within the region, strategic mergers and acquisitions, and consistent financial performance. The bank has successfully increased its market presence and customer base through organic growth and the establishment of local branches. One notable milestone was the merger with SpareBank Nord-Norge and SpareBank 1 SR-Bank in 2016, creating one of Norway's largest financial groups. In terms of financial performance, the bank has consistently demonstrated strong profitability and a solid asset quality. These milestones reflect Sparebank 1 Nord-Norge's commitment to serving its customers and driving sustainable success in the banking sector.

What is the history and background of the company Sparebank 1 Nord-Norge?

Sparebank 1 Nord-Norge is a renowned Norwegian bank that specializes in providing financial services to individuals, businesses, and public sectors. Established in 1825, the bank has a rich history of over 195 years. It was initially formed as "Tromsø Formandskabsbank" and later merged with other regional banks to become Sparebanken Nord-Norge in 1985. Today, as a part of the SpareBank 1 alliance, Sparebank 1 Nord-Norge serves as a vital financial institution in the northern regions of Norway. The bank operates with a customer-centric approach, offering a wide range of services, including loans, mortgages, savings accounts, insurance, and investment solutions, making it a trusted partner for the community's financial needs.

Who are the main competitors of Sparebank 1 Nord-Norge in the market?

The main competitors of Sparebank 1 Nord-Norge in the market include other Norwegian banks such as DNB, SpareBank 1 SR-Bank, and SpareBank 1 Østlandet. These banks operate in similar regions and offer a range of financial services and products, competing for the same customer base. They strive to provide competitive interest rates, efficient customer service, and innovative banking solutions to attract and retain customers. Sparebank 1 Nord-Norge maintains a strong market position by leveraging its local expertise, personalized customer approach, and extensive branch network in Northern Norway.

In which industries is Sparebank 1 Nord-Norge primarily active?

Sparebank 1 Nord-Norge is primarily active in the banking and financial services industry.

What is the business model of Sparebank 1 Nord-Norge?

The business model of Sparebank 1 Nord-Norge revolves around providing a wide range of financial services in the Nord-Norge region of Norway. As a regional bank, it aims to meet the banking and financial needs of individuals, businesses, and local communities. Sparebank 1 Nord-Norge offers comprehensive banking solutions, including savings and investment options, lending services, insurance products, and payment solutions. By focusing on the local market, the bank strives to foster long-term relationships with its customers and contribute to the sustainable development of the region. Sparebank 1 Nord-Norge takes pride in its commitment to delivering personalized, reliable, and innovative financial services tailored to the needs of its diverse client base.

What is the P/E ratio of Sparebank 1 Nord-Norge 2024?

The Sparebank 1 Nord-Norge P/E ratio is 8.67.

What is the P/S ratio of Sparebank 1 Nord-Norge 2024?

The Sparebank 1 Nord-Norge P/S ratio is 1.9.

What is the Quality Investing of Sparebank 1 Nord-Norge?

The Quality Investing for Sparebank 1 Nord-Norge is 5/10.

What is the revenue of Sparebank 1 Nord-Norge 2024?

The expected Sparebank 1 Nord-Norge revenue is 6.2 B NOK.

How high is the profit of Sparebank 1 Nord-Norge 2024?

The expected Sparebank 1 Nord-Norge profit is 1.36 B NOK.

What is the business model of Sparebank 1 Nord-Norge

Sparebank 1 Nord-Norge is a Norwegian bank that was founded in 1989. The bank offers various products and services for private customers and businesses. The bank is divided into different divisions, each providing different offers and services. These divisions include personal and business banking, asset management, and real estate. In personal banking, the bank offers different accounts, cards, and insurances. In business banking, the bank offers various loans, accounts, and insurances for small and medium-sized companies. The bank also provides wealth management services, offering investment funds, stocks, and bonds tailored to the individual needs of customers. In the real estate department, the bank offers services related to the acquisition, financing, and sale of properties, including mortgages. The bank also prioritizes the use of the latest technologies and offers mobile and online banking services to its customers. Furthermore, the bank has a strong focus on social and environmental issues, as well as energy projects. Overall, Sparebank 1 Nord-Norge provides a wide range of products, services, and advice tailored to the needs of its customers.

What is the Sparebank 1 Nord-Norge dividend?

Sparebank 1 Nord-Norge pays a dividend of 5.2 NOK distributed over payouts per year.

How often does Sparebank 1 Nord-Norge pay dividends?

The dividend cannot currently be calculated for Sparebank 1 Nord-Norge or the company does not pay out a dividend.

What is the Sparebank 1 Nord-Norge ISIN?

The ISIN of Sparebank 1 Nord-Norge is NO0006000801.

What is the Sparebank 1 Nord-Norge WKN?

The WKN of Sparebank 1 Nord-Norge is A0DK56.

What is the Sparebank 1 Nord-Norge ticker?

The ticker of Sparebank 1 Nord-Norge is NONG.OL.

How much dividend does Sparebank 1 Nord-Norge pay?

Over the past 12 months, Sparebank 1 Nord-Norge paid a dividend of 16.4 NOK . This corresponds to a dividend yield of about 14.16 %. For the coming 12 months, Sparebank 1 Nord-Norge is expected to pay a dividend of 16.81 NOK.

What is the dividend yield of Sparebank 1 Nord-Norge?

The current dividend yield of Sparebank 1 Nord-Norge is 14.16 %.

When does Sparebank 1 Nord-Norge pay dividends?

Sparebank 1 Nord-Norge pays a quarterly dividend. This is distributed in the months of April, October, April, April.

How secure is the dividend of Sparebank 1 Nord-Norge?

Sparebank 1 Nord-Norge paid dividends every year for the past 23 years.

What is the dividend of Sparebank 1 Nord-Norge?

For the upcoming 12 months, dividends amounting to 16.81 NOK are expected. This corresponds to a dividend yield of 14.51 %.

In which sector is Sparebank 1 Nord-Norge located?

Sparebank 1 Nord-Norge is assigned to the 'Finance' sector.

Wann musste ich die Aktien von Sparebank 1 Nord-Norge kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of Sparebank 1 Nord-Norge from 4/4/2024 amounting to 7 NOK, you needed to have the stock in your portfolio before the ex-date on 3/15/2024.

When did Sparebank 1 Nord-Norge pay the last dividend?

The last dividend was paid out on 4/4/2024.

What was the dividend of Sparebank 1 Nord-Norge in the year 2023?

In the year 2023, Sparebank 1 Nord-Norge distributed 5.2 NOK as dividends.

In which currency does Sparebank 1 Nord-Norge pay out the dividend?

The dividends of Sparebank 1 Nord-Norge are distributed in NOK.

All fundamentals about Sparebank 1 Nord-Norge

Our stock analysis for Sparebank 1 Nord-Norge Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Sparebank 1 Nord-Norge Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.