Stock SJI SPAREBANK 1 SMN
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Financials SpareBank 1 SMN BOERSE MUENCHEN

Equities

SJI

NO0006390301

Banks

Market Closed - BOERSE MUENCHEN
Other stock markets
 01:14:22 06/07/2024 am IST 		5-day change 1st Jan Change
13.54 EUR -0.38% Intraday chart for SpareBank 1 SMN +2.93% +9.39%
05/06 SpareBank 1 Østlandet to Redeem NOK238 Million of Bonds MT
04/06 SpareBank 1 Østlandet Mulls Issuing NOK500 Million Tier 2 Capital MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 13,010 12,620 19,279 16,472 20,394 22,213 - -
Enterprise Value (EV) 1 13,010 12,620 19,279 16,472 20,394 22,213 22,213 22,213
P/E ratio 8.25 x 11 x 11.2 x 9.94 x 8.4 x 8.65 x 9.55 x 9.77 x
Yield 6.49% 4.1% 5.03% 5.1% 8.46% 7.53% 6.97% 6.86%
Capitalization / Revenue 2.11 x 2.01 x 2.9 x 3.06 x 3.04 x 2.71 x 2.76 x 2.71 x
EV / Revenue 2.11 x 2.01 x 2.9 x 3.06 x 3.04 x 2.71 x 2.76 x 2.71 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 1.1 x 1.03 x 1.44 x 1.16 x 1.18 x 1.22 x 1.17 x 1.13 x
Nbr of stocks (in thousands) 1,29,836 1,29,304 1,29,391 1,29,290 1,43,820 1,44,130 - -
Reference price 2 100.2 97.60 149.0 127.4 141.8 154.1 154.1 154.1
Announcement Date 05/02/20 05/02/21 10/02/22 08/02/23 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 6,178 6,281 6,655 5,380 6,716 8,184 8,059 8,185
EBITDA - - - - - - - -
EBIT 1 3,380 3,329 3,662 2,937 4,498 4,906 4,623 4,622
Operating Margin 54.71% 53% 55.03% 54.59% 66.97% 59.94% 57.36% 56.47%
Earnings before Tax (EBT) 1 3,081 2,378 3,501 3,324 4,484 5,054 4,581 4,611
Net income 1 2,563 1,793 2,692 2,785 3,688 3,843 3,477 3,409
Net margin 41.49% 28.55% 40.45% 51.77% 54.91% 46.96% 43.14% 41.66%
EPS 2 12.14 8.870 13.31 12.82 16.88 17.82 16.14 15.77
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 6.500 4.000 7.500 6.500 12.00 11.60 10.74 10.57
Announcement Date 05/02/20 05/02/21 10/02/22 08/02/23 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 1,395 1,395 1,546 1,499 1,435 1,576 1,757 1,772 1,811 1,878 2,074 2,027 2,018 2,163 2,208
EBITDA - - - - - - - - - - - - - - -
EBIT 1 848 868 788 810 789 847 1,074 1,032 1,517 1,377 1,284 1,225 1,123 1,310 1,374
Operating Margin 60.79% 62.22% 50.97% 54.04% 54.98% 53.74% 61.13% 58.24% 83.77% 73.32% 61.91% 60.44% 55.64% 60.56% 62.23%
Earnings before Tax (EBT) 1 816 868 880 788 932 946 1,045 996 1,496 1,353 1,432 1,219 1,116 1,166 1,209
Net income 1 565 646 646 585 768 778 923 705 1,247 1,011 1,066 900.6 819.3 856.7 892.8
Net margin 40.5% 46.31% 41.79% 39.03% 53.52% 49.37% 52.53% 39.79% 68.86% 53.83% 51.4% 44.44% 40.59% 39.61% 40.44%
EPS 2 3.200 3.200 3.200 2.890 3.530 3.510 4.210 3.280 5.620 4.680 4.944 4.176 3.800 3.969 4.139
Dividend per Share 2 7.500 - - - 6.500 - - - 12.00 - - - 12.50 - -
Announcement Date 10/02/22 06/05/22 11/08/22 29/10/22 08/02/23 09/05/23 10/08/23 02/11/23 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) 13.7% 10% 13.5% 12.3% 14.4% 13.8% 12.3% 12%
ROA (Net income/ Total Assets) 1.57% 1.01% 1.39% 1.32% 1.62% 1.65% 1.4% 1.4%
Assets 1 1,63,686 1,77,279 1,93,377 2,11,145 2,28,020 2,32,908 2,48,364 2,43,534
Book Value Per Share 2 90.80 94.70 103.0 110.0 120.0 126.0 132.0 136.0
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 05/02/20 05/02/21 10/02/22 08/02/23 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 SMN

Trading Rating
Investor Rating
ESG Refinitiv
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
4
Last Close Price
154.1 NOK
Average target price
164.2 NOK
Spread / Average Target
+6.57%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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  5. Financials SpareBank 1 SMN