Stock 0J1N SPAREBANK 1 NORD-NORGE
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Financials SpareBank 1 Nord-Norge London S.E.

Equities

0J1N

NO0006000801

Banks

Market Closed - London S.E.
Other stock markets
 07:50:00 07/06/2024 pm IST 		5-day change 1st Jan Change
98.23 NOK +0.12% Intraday chart for SpareBank 1 Nord-Norge -1.97% -4.27%
08/05 SpareBank 1 Nord-Norge Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
15/03 Sparebank 1 Nord-Norge Approves Cash Dividend for 2023, Payable on April 4, 2024 CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 7,881 7,490 11,305 9,638 10,361 9,749 - -
Enterprise Value (EV) 1 7,881 7,490 11,305 9,638 10,361 9,749 9,749 9,749
P/E ratio 8.36 x 9.46 x 11 x 11.6 x 9.08 x 7.46 x 8.18 x 8.13 x
Yield 7.01% 5.23% 6.22% 8.54% 6.78% 8.7% 8.08% 8.34%
Capitalization / Revenue 1.91 x 1.84 x 2.62 x 2.37 x 1.96 x 1.71 x 1.71 x 1.7 x
EV / Revenue 1.91 x 1.84 x 2.62 x 2.37 x 1.96 x 1.71 x 1.71 x 1.7 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 1.27 x 1.13 x 1.71 x 1.34 x 1.42 x 1.22 x 1.19 x 1.11 x
Nbr of stocks (in thousands) 1,00,398 1,00,398 1,00,398 1,00,398 1,00,398 1,00,398 - -
Reference price 2 78.50 74.60 112.6 96.00 103.2 97.10 97.10 97.10
Announcement Date 13/02/20 11/02/21 10/02/22 09/02/23 08/02/24 - - -
1NOK in Million2NOK
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 4,124 4,060 4,307 4,064 5,297 5,711 5,709 5,725
EBITDA - - - - - - - -
EBIT 1 2,484 2,434 2,559 2,427 3,389 3,806 3,735 3,681
Operating Margin 60.23% 59.95% 59.41% 59.72% 63.98% 66.65% 65.43% 64.29%
Earnings before Tax (EBT) 1 2,473 2,102 2,794 2,364 3,273 3,753 3,509 3,440
Net income 1 2,062 1,742 2,283 1,824 2,521 2,818 2,576 2,587
Net margin 50% 42.91% 53.01% 44.88% 47.59% 49.33% 45.13% 45.19%
EPS 2 9.390 7.890 10.24 8.250 11.36 13.01 11.88 11.95
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 5.500 3.900 7.000 8.200 7.000 8.450 7.842 8.100
Announcement Date 13/02/20 11/02/21 10/02/22 09/02/23 08/02/24 - - -
1NOK in Million2NOK
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2
Net sales 1 1,298 928 844 972 1,320 1,267 1,198 1,220 1,612 1,440 1,440 1,436 1,434 1,441 1,466
EBITDA - - - - - - - - - - - - - - -
EBIT 1 726 532 448 584 863 846 768 756 1,019 952 1,000 980 873.5 931 955
Operating Margin 55.93% 57.33% 53.08% 60.08% 65.38% 66.77% 64.11% 61.97% 63.21% 66.11% 69.43% 68.25% 60.91% 64.61% 65.14%
Earnings before Tax (EBT) 1 838 564 431 528 841 903 738 704 928 916 1,099 914.9 822.4 886.9 919.6
Net income 1 711 454 345 389 659 721 547 509 752 705 838.9 694 627.6 663.3 692
Net margin 54.78% 48.92% 40.88% 40.02% 49.92% 56.91% 45.66% 41.72% 46.65% 48.96% 58.25% 48.33% 43.76% 46.03% 47.21%
EPS 2 3.080 2.020 1.560 1.730 3.010 3.240 2.410 2.270 3.380 3.140 3.837 3.169 2.861 3.061 3.193
Dividend per Share 2 7.000 - - 3.400 4.800 - - - 7.000 - 4.300 - 8.750 - -
Announcement Date 10/02/22 06/05/22 11/08/22 27/10/22 09/02/23 10/05/23 10/08/23 26/10/23 08/02/24 08/05/24 - - - - -
1NOK in Million2NOK
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 15.9% 12.6% 15.1% 11.9% 16.4% 16.6% 14.9% 14.4%
ROA (Net income/ Total Assets) 1.89% 1.52% 1.93% 1.51% 2.01% 2.15% 1.9% 1.75%
Assets 1 1,09,101 1,14,411 1,18,239 1,20,851 1,25,230 1,31,048 1,35,596 1,47,834
Book Value Per Share 2 61.80 65.80 65.80 71.70 72.50 79.90 81.90 87.70
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 13/02/20 11/02/21 10/02/22 09/02/23 08/02/24 - - -
1NOK in Million2NOK
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for SpareBank 1 Nord-Norge

Trading Rating
Investor Rating
ESG Refinitiv
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
4
Last Close Price
97.1 NOK
Average target price
113 NOK
Spread / Average Target
+16.37%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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