Stock SOR SPAREBANKEN SØR
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Financials Sparebanken Sør

Equities

SOR

NO0006001502

Banks

Market Closed - Oslo Bors
Other stock markets
 08:15:00 10/05/2024 pm IST 		5-day change 1st Jan Change
146.5 NOK -0.30% Intraday chart for Sparebanken Sør +1.15% +1.71%
07/05 Sparebanken Sør Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
08/04 Sparebanken Sør Issues NOK250 Million Tier 2 Bond MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 1,722 1,794 2,265 5,383 5,986 6,088 - -
Enterprise Value (EV) 1 1,722 1,794 2,265 5,383 5,986 6,088 6,088 6,088
P/E ratio 9.4 x 10.1 x 12 x 10.9 x 8.78 x 8.12 x 8.64 x 9.41 x
Yield 7.27% 5.24% 5.48% 4.63% 6.94% 8.88% 8.65% 8.65%
Capitalization / Revenue 0.73 x 0.73 x 0.89 x 1.9 x 1.68 x 1.57 x 1.63 x 1.67 x
EV / Revenue 0.73 x 0.73 x 0.89 x 1.9 x 1.68 x 1.57 x 1.63 x 1.67 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.86 x 0.82 x 1.07 x 0.92 x 0.96 x 0.92 x 0.9 x 0.88 x
Nbr of stocks (in thousands) 15,659 15,664 15,514 41,571 41,571 41,571 - -
Reference price 2 110.0 114.5 146.0 129.5 144.0 146.5 146.5 146.5
Announcement Date 06/02/20 11/02/21 11/02/22 10/02/23 09/02/24 - - -
1NOK in Million2NOK
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 2,368 2,444 2,549 2,834 3,573 3,868 3,742 3,635
EBITDA - - - - - - - -
EBIT 1 1,450 1,486 1,531 1,690 2,276 2,484 2,314 2,158
Operating Margin 61.23% 60.8% 60.06% 59.63% 63.7% 64.22% 61.85% 59.36%
Earnings before Tax (EBT) 1 1,467 1,403 1,549 1,615 2,227 2,396 2,234 2,093
Net income 1 1,125 1,094 1,223 1,283 1,773 1,904 1,792 1,646
Net margin 47.51% 44.76% 47.98% 45.27% 49.62% 49.21% 47.9% 45.29%
EPS 2 11.70 11.30 12.20 11.90 16.40 18.03 16.96 15.56
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 8.000 6.000 8.000 6.000 10.00 13.00 12.67 12.67
Announcement Date 06/02/20 11/02/21 11/02/22 10/02/23 09/02/24 - - -
1NOK in Million2NOK
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 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
Net sales 1 658 682 612 654 677 892 828 867 935 943 934.7 984 974.2 968.4 948
EBITDA - - - - - - - - - - - - - - -
EBIT 1 409 414 352 361 395 581 525 541 637 573 605.1 629.4 642.8 600 603
Operating Margin 62.16% 60.7% 57.52% 55.2% 58.35% 65.13% 63.41% 62.4% 68.13% 60.76% 64.74% 63.96% 65.99% 61.95% 63.61%
Earnings before Tax (EBT) 1 407 412 355 351 344 566 529 550 605 543 563.7 606.3 616.2 577.7 556
Net income 1 315 328 276 273 267 468 462 426 457 426 504.7 479.5 463.8 433.2 525
Net margin 47.87% 48.09% 45.1% 41.74% 39.44% 52.47% 55.8% 49.13% 48.88% 45.17% 54% 48.73% 47.61% 44.74% 55.38%
EPS 2 3.200 3.200 2.600 2.400 2.500 4.500 4.300 3.900 4.300 3.900 4.849 4.546 4.395 4.101 4.860
Dividend per Share 2 - 8.000 - - - 6.000 - - - 10.00 - - - 11.00 -
Announcement Date 28/10/21 11/02/22 05/05/22 12/08/22 27/10/22 10/02/23 05/05/23 15/08/23 26/10/23 09/02/24 - - - - -
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) 9.5% 8.4% 9% 8.7% 11.3% 11.7% 10.6% 9.28%
ROA (Net income/ Total Assets) 0.9% 0.81% 0.85% 0.85% 1.13% 1.2% 1.1% 1.05%
Assets 1 1,25,306 1,35,816 1,43,158 1,50,764 1,57,418 1,58,652 1,62,939 1,56,792
Book Value Per Share 2 129.0 140.0 136.0 141.0 150.0 159.0 163.0 166.0
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 06/02/20 11/02/21 11/02/22 10/02/23 09/02/24 - - -
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 Sparebanken Sør

Trading Rating
Investor Rating
ESG Refinitiv
C+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
2
Last Close Price
146.5 NOK
Average target price
166 NOK
Spread / Average Target
+13.34%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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Other Banks
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  4. Financials Sparebanken Sør
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