Stock RING SPAREBANK 1 RINGERIKE HADELAND
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Financials SpareBank 1 Ringerike Hadeland

Equities

RING

NO0006390400

Banks

Market Closed - Oslo Bors
Other stock markets
 08:15:00 17/07/2024 pm IST 		5-day change 1st Jan Change
298 NOK -0.67% Intraday chart for SpareBank 1 Ringerike Hadeland 0.00% -1.97%
06/05 SpareBank 1 Ringerike Hadeland Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
14/02 Sparebank 1 Ringerike Hadeland Reports Earnings Results for the Fourth Quarter and Full Year Ended December 31, 2023 CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 3,600 3,725 5,165 5,071 4,758 4,664 - -
Enterprise Value (EV) 1 3,600 3,725 5,165 5,071 4,758 4,664 4,664 4,664
P/E ratio 8.7 x 10.5 x 11.9 x 12.8 x 10.6 x 8.57 x 8.51 x 8.93 x
Yield 5.78% 4.79% 4.91% - - 6.54% 6.54% 6.38%
Capitalization / Revenue 4.05 x 4.48 x 5.61 x 5.34 x 4.48 x 3.94 x 3.83 x 3.82 x
EV / Revenue 4.05 x 4.48 x 5.61 x 5.34 x 4.48 x 3.94 x 3.83 x 3.82 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.98 x 0.97 x 1.27 x - 1.07 x 0.96 x 0.91 x 0.88 x
Nbr of stocks (in thousands) 15,650 15,650 15,650 15,650 15,650 15,650 - -
Reference price 2 230.0 238.0 330.0 324.0 304.0 298.0 298.0 298.0
Announcement Date 11/02/20 11/02/21 11/02/22 14/02/23 14/02/24 - - -
1NOK in Million2NOK
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 889.5 832 921 949 1,063 1,183 1,217 1,221
EBITDA - - - - - - - -
EBIT 1 526.1 483 552 554 626 693.1 712.6 701.8
Operating Margin 59.15% 58.05% 59.93% 58.38% 58.89% 58.61% 58.54% 57.46%
Earnings before Tax (EBT) 1 517.4 455 558 535 612 734.4 730 694.4
Net income 1 425.3 367 446 421 461 559.2 563 536.5
Net margin 47.81% 44.11% 48.43% 44.36% 43.37% 47.29% 46.25% 43.93%
EPS 2 26.45 22.77 27.72 25.32 28.67 34.77 35.00 33.36
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 13.30 11.40 16.20 - - 19.50 19.50 19.00
Announcement Date 11/02/20 11/02/21 11/02/22 14/02/23 14/02/24 - - -
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 1 231 209 222 225 276 263 263 270 284 318 297.6 291.6 294 - -
EBITDA - - - - - - - - - - - - - - -
EBIT 1 138 124 126 129 169 150 146 179 151 193 174.6 176.6 167.4 - -
Operating Margin 59.74% 59.33% 56.76% 57.33% 61.23% 57.03% 55.51% 66.3% 53.17% 60.69% 58.67% 60.58% 56.93% - -
Earnings before Tax (EBT) 1 137 128 128 116 162 153 148 176 134 193 206.4 171.9 163.2 161 164.1
Net income 1 111 98 99 86 138 120 107 136 99 145 157.2 131.9 125.2 126.8 127
Net margin 48.05% 46.89% 44.59% 38.22% 50% 45.63% 40.68% 50.37% 34.86% 45.6% 52.82% 45.25% 42.57% - -
EPS 2 6.920 6.120 6.120 5.030 9.610 7.450 6.620 8.470 6.150 9.010 9.781 8.207 7.786 7.885 7.897
Dividend per Share - - - - - - - - - - - - - - -
Announcement Date 11/02/22 11/05/22 15/08/22 31/10/22 14/02/23 10/05/23 11/08/23 01/11/23 14/02/24 06/05/24 - - - - -
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) 11.6% 9.5% 11% - 10.4% 11% 10.7% 10.1%
ROA (Net income/ Total Assets) 1.74% 1.4% 1.62% - 1.54% 1.9% 1.8% 1.6%
Assets 1 24,423 26,147 27,611 - 29,955 29,434 31,276 33,529
Book Value Per Share 2 235.0 245.0 260.0 - 283.0 311.0 326.0 340.0
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 11/02/20 11/02/21 11/02/22 14/02/23 14/02/24 - - -
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 Ringerike Hadeland

Trading Rating
Investor Rating
ESG Refinitiv
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
2
Last Close Price
298 NOK
Average target price
330 NOK
Spread / Average Target
+10.74%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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