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Flekkefjord Sparebank (FFSB.OL)
Flekkefjord, NO
Flekkefjord Sparebank operates as a dedicated savings institution, offering a comprehensive suite of banking and financial services to both private individuals and corporate clients. Its geographical reach extends across several Norwegian municipalities, including Flekkefjord, Farsund, Hægebostad, Kvinesdal, Lindesnes, Lund, Lyngdal, Sirdal, and Sokndal. The bank's product portfolio encompasses diverse deposit accounts, such as savings, current, and association options, alongside standard banking cards. It provides a wide array of lending solutions, featuring mortgages, financing for vehicles (cars, boats), properties (cottages, construction), consumer goods, installment plans, and agricultural needs, as well as liquidity loans that may include guarantee or leasing facilities. Beyond traditional banking, Flekkefjord Sparebank offers an extensive range of insurance products, covering life, health, home and contents, vehicle, travel, property, and liability. The institution also engages in capital market activities, enabling clients to trade in various investment vehicles like funds, shares, equity certificates, subscription rights, and exchange-traded funds/notes (ETFs/ETNs). For client convenience, digital banking services are available through mobile, online, and telephone platforms, complemented by specialized pension advisory services. Established in 1837, the bank maintains its primary operational base in Flekkefjord, Norway.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +2.10% | +3.39% | +3.45% | -1.21% | -2.37% | +0.41% | -3.91% | +8.41% | +8.41% | +8.41% | +8.41% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 1 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | -1 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+14.6% Q1'26: +12.2% (vs Q1'25)
-
EPS growth+2.5% Q1'26: -87.1% (vs Q1'25)
-
FCF margin— Q1'26: +0.0% (vs Q1'25)
-
EBIT margin— Q1'26: +18.6% (vs Q1'25)
-
ROIC— Q1'26: +2.5% (vs Q1'25)
-
Share dilution-0.1% Q1'26: +1.9% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 22.58× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 1 Rev. Ana. 1 EPS Ana. |
Dec 2027 1 Rev. Ana. 1 EPS Ana. |
Dec 2028 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|
| Revenue |
649.38M
est: 262.00M (+147.9%)
|
743.95M
est: 287.60M (+158.7%)
|
354.90M
354.90M – 354.90M
+23.4% YoY
|
390.60M
390.60M – 390.60M
+10.1% YoY
|
416.50M
416.50M – 416.50M
+6.6% YoY
|
| EBITDA |
159.38M
est: 73.81M (+115.9%)
|
169.60M
est: 81.03M (+109.3%)
|
99.99M
99.99M – 99.99M
+23.4% YoY
|
110.04M
110.04M – 110.04M
+10.1% YoY
|
117.34M
117.34M – 117.34M
+6.6% YoY
|
| EBIT |
151.22M
est: 69.00M (+119.2%)
|
159.66M
est: 75.74M (+110.8%)
|
93.46M
93.46M – 93.46M
+23.4% YoY
|
102.86M
102.86M – 102.86M
+10.1% YoY
|
109.68M
109.68M – 109.68M
+6.6% YoY
|
| Net Income |
123.70M
est: 14.24M (+768.9%)
|
126.69M
est: 14.07M (+800.4%)
|
17.86M
17.86M – 17.86M
+26.9% YoY
|
19.09M
19.09M – 19.09M
+6.9% YoY
|
20.05M
20.05M – 20.05M
+5.0% YoY
|
| SGA |
5.55M
est: 1.00M (+453.5%)
|
—
est: 1.10M (-100.0%)
|
1.36M
1.36M – 1.36M
+23.4% YoY
|
1.49M
1.49M – 1.49M
+10.1% YoY
|
1.59M
1.59M – 1.59M
+6.6% YoY
|
| EPS |
82.47
est: 9.50 (+768.1%)
|
84.54
est: 9.39 (+800.3%)
|
11.92
11.92 – 11.92
+26.9% YoY
|
12.74
12.74 – 12.74
+6.9% YoY
|
13.38
13.38 – 13.38
+5.0% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | B | 3/5 | 1/5 | 3/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-28 | B | 3/5 | 1/5 | 3/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-27 | B | 3/5 | 1/5 | 3/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-26 | B | 3/5 | 1/5 | 3/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-22 | B | 3/5 | 1/5 | 3/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-20 | B | 3/5 | 1/5 | 3/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-19 | B | 3/5 | 1/5 | 3/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-18 | B | 3/5 | 1/5 | 3/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-15 | B | 3/5 | 1/5 | 3/5 | 3/5 | 1/5 | 4/5 | 5/5 |
| 2026-05-13 | B | 3/5 | 1/5 | 3/5 | 3/5 | 1/5 | 4/5 | 5/5 |
| 2026-05-12 | B | 3/5 | 1/5 | 3/5 | 3/5 | 1/5 | 4/5 | 5/5 |
| 2026-05-11 | B | 3/5 | 1/5 | 3/5 | 3/5 | 1/5 | 4/5 | 5/5 |
| 2026-05-08 | B+ | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 4/5 | 5/5 |
| 2026-05-07 | B+ | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 4/5 | 5/5 |
| 2026-05-06 | B+ | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 4/5 | 5/5 |
| 2026-05-05 | B+ | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 5/5 | 5/5 |
| 2026-05-04 | B+ | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 5/5 | 5/5 |
| 2026-04-30 | B+ | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 4/5 | 5/5 |
| 2026-04-29 | B+ | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 4/5 | 5/5 |
| 2026-04-28 | B+ | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 4/5 | 5/5 |
| 2026-04-27 | B+ | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 4/5 | 5/5 |
| 2026-04-24 | B | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-23 | B+ | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 4/5 | 5/5 |
| 2026-04-22 | B+ | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 4/5 | 5/5 |
| 2026-04-21 | B+ | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 4/5 | 5/5 |
| 2026-04-20 | B+ | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 4/5 | 5/5 |
| 2026-04-17 | B+ | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 4/5 | 5/5 |
| 2026-04-16 | B+ | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 4/5 | 5/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
This company is not held by any ETF in our universe.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Heidi Nag Flikka | Chief Executive Officer | 3M | female |
| Rolf Lien | Deputy Chief Executive Officer & Director of Private Market | 2M | male |
| Angelika Handeland | Director of Marketing & Organizational Development | 2M | female |
| Mikal Ringsbye | Director of Corporate Market & Member of General Assembly, Employee Selected | 1M | — |
| Atle Osen | Accounting Manager | 1M | male |
| Serina Svindland Bakketeig | Technology Director | 524.0K | — |
| Else Tove Birkeland | Head of Credit Support & Employee-Elected Board Member | 100.0K | — |
| Lars Aanensen | Chief Financial Officer | — | male |
| Linn Terese Tjotta | Financial Controller | — | — |
| Henriette Bakke | HR Manager & Member of General Assembly, Employee Selected | — | — |
| Oyvind Vagen Jaegtnes | Head of Risk and Compliance | — | — |
| Erik Litlehei | Head of Sales, Insurance PM & Member of General Assembly | — | — |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for FFSB.OL
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
