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SpareBank 1 Helgeland (HELG.OL)
NOK155.00
+0.00 (+0.00%)
NO OSL Financial Services Banks - Regional
Address
PO Box 68 8601
Mo i Rana, NO
Mo i Rana, NO
CEO
Hanne Johansen Nordgaard
IPO
2007-12-28
ISIN NO0010029804
Also trades on
Oslo Stock Exchange · HELG.OL (NOK)
Other OTC · HGDPF (USD)
Description
SpareBank 1 Helgeland provides a comprehensive suite of financial solutions and services across Norway. It serves a diverse clientele, including individual consumers, small and medium-sized enterprises, municipal bodies, and other institutions. The institution structures its operations into two key divisions: the Retail Market and the Corporate Market. Its offerings include various savings and investment products, insurance policies, and specialized services like leasing and mortgage financing. Additionally, the company is involved in the commercial real estate sector, encompassing the acquisition, management, leasing, and sale of business properties. Established in 1860, SpareBank 1 Helgeland is headquartered in Mo i Rana, Norway, and maintains three branch locations in Mosjøen, Brønnøysund, and Sandnessjøen.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
NOK155.00
+0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
3.8K
Beta
0.11
Float Shares
16.95M
Free Float %
62.9%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.63% | -4.55% | -1.23% | -4.13% | -6.44% | -12.57% | -7.78% | +32.23% | +42.51% | +160.50% | +19.64% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
155.00
DCF (Unlevered)
413.65
+166.9%
DCF (Levered)
182.61
+17.8%
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.
Ratings Trend (MoM)
50% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 1 | 0 |
| Buy | 0 | 0 |
| Hold | 1 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
-0.60
Distress
Piotroski F-Score
4 / 9
Average
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
3 / 5
Medium
ROA Score
4 / 5
High
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
-
Revenue growth-0.5% Q1'26: -5.6% (vs Q1'25)
-
EPS growth-13.6% Q1'26: -14.0% (vs Q1'25)
-
FCF margin— Q1'26: +100.5% (vs Q1'25)
-
EBIT margin— Q1'26: +26.3% (vs Q1'25)
-
ROIC— Q1'26: +3.8% (vs Q1'25)
-
Share dilution-0.1% Q1'26: +0.3% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 12.95× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* 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.
Consensus Estimates
| Metric |
Dec 2009 actual |
Dec 2010 actual |
Dec 2011 actual |
Dec 2012 actual |
Dec 2013 actual |
Dec 2014 actual |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 1 Rev. Ana. 1 EPS Ana. |
Dec 2027 2 Rev. Ana. 2 EPS Ana. |
Dec 2028 2 Rev. Ana. 2 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
857.00M
est: 378.09M (+126.7%)
|
918.00M
est: 360.83M (+154.4%)
|
967.00M
est: 381.64M (+153.4%)
|
1.08B
est: 417.84M (+158.9%)
|
1.16B
est: 537.18M (+116.1%)
|
1.20B
est: 593.21M (+101.8%)
|
1.03B
est: 547.96M (+88.5%)
|
1.07B
est: 676.99M (+57.3%)
|
1.02B
est: 690.76M (+47.7%)
|
1.06B
est: 705.33M (+50.4%)
|
1.24B
est: 709.87M (+74.5%)
|
1.28B
est: 815.87M (+57.3%)
|
913.00M
est: 730.72M (+24.9%)
|
1.41B
est: 941.27M (+49.8%)
|
2.20B
est: 1.13B (+94.2%)
|
2.54B
est: 1.25B (+102.8%)
|
2.53B
est: 1.19B (+112.0%)
|
1.15B
1.14B – 1.15B
-3.8% YoY
|
1.20B
1.19B – 1.21B
+4.6% YoY
|
1.23B
1.22B – 1.24B
+2.5% YoY
|
| EBITDA |
146.00M
est: 126.58M (+15.3%)
|
218.00M
est: 120.81M (+80.5%)
|
152.00M
est: 127.77M (+19.0%)
|
192.00M
est: 139.89M (+37.2%)
|
287.00M
est: 179.85M (+59.6%)
|
324.00M
est: 198.61M (+63.1%)
|
300.00M
est: 183.46M (+63.5%)
|
472.00M
est: 226.66M (+108.2%)
|
366.00M
est: 231.27M (+58.3%)
|
203.00M
est: 236.14M (-14.0%)
|
403.00M
est: 582.81M (-30.9%)
|
414.00M
est: 273.15M (+51.6%)
|
288.00M
est: 244.64M (+17.7%)
|
592.00M
est: 315.14M (+87.9%)
|
683.00M
est: 366.67M (+86.3%)
|
775.00M
est: 1.16B (-33.1%)
|
682.00M
est: 386.69M (+76.4%)
|
371.86M
370.52M – 373.19M
-3.8% YoY
|
389.15M
386.37M – 391.92M
+4.6% YoY
|
398.69M
394.63M – 402.75M
+2.5% YoY
|
| EBIT |
133.00M
est: 158.87M (-16.3%)
|
201.00M
est: 126.93M (+58.4%)
|
133.00M
est: 205.59M (-35.3%)
|
172.00M
est: 145.62M (+18.1%)
|
266.00M
est: 221.12M (+20.3%)
|
307.00M
est: 293.74M (+4.5%)
|
280.00M
est: 266.84M (+4.9%)
|
452.00M
est: 342.35M (+32.0%)
|
348.00M
est: 463.35M (-24.9%)
|
185.00M
est: 357.24M (-48.2%)
|
384.00M
est: 187.19M (+105.1%)
|
390.00M
est: 414.68M (-6.0%)
|
264.00M
est: 420.00M (-37.1%)
|
563.00M
est: 456.82M (+23.2%)
|
650.00M
est: 346.96M (+87.3%)
|
743.00M
est: 492.78M (+50.8%)
|
650.00M
est: 365.91M (+77.6%)
|
351.87M
350.61M – 353.13M
-3.8% YoY
|
368.23M
365.61M – 370.85M
+4.6% YoY
|
377.26M
373.41M – 381.10M
+2.5% YoY
|
| Net Income |
99.00M
est: 114.89M (-13.8%)
|
152.00M
est: 94.48M (+60.9%)
|
93.00M
est: 155.47M (-40.2%)
|
123.00M
est: 101.82M (+20.8%)
|
193.00M
est: 158.13M (+22.1%)
|
240.00M
est: 213.13M (+12.6%)
|
208.00M
est: 203.67M (+2.1%)
|
350.00M
est: 254.31M (+37.6%)
|
273.00M
est: 358.79M (-23.9%)
|
149.00M
est: 280.25M (-46.8%)
|
305.00M
est: 150.76M (+102.3%)
|
340.00M
est: 329.37M (+3.2%)
|
205.00M
est: 333.59M (-38.5%)
|
445.00M
est: 362.84M (+22.6%)
|
490.00M
est: 396.00M (+23.7%)
|
571.00M
est: 437.88M (+30.4%)
|
504.00M
est: 393.21M (+28.2%)
|
371.69M
342.86M – 400.52M
-5.5% YoY
|
403.57M
366.51M – 440.63M
+8.6% YoY
|
416.56M
361.99M – 471.14M
+3.2% YoY
|
| SGA |
58.00M
est: 219.91M (-73.6%)
|
—
est: 234.77M (-100.0%)
|
76.00M
est: 245.48M (-69.0%)
|
80.00M
est: 267.15M (-70.1%)
|
81.00M
est: 332.97M (-75.7%)
|
75.00M
est: 310.31M (-75.8%)
|
77.00M
est: 299.85M (-74.3%)
|
82.00M
est: 381.47M (-78.5%)
|
84.00M
est: 338.29M (-75.2%)
|
86.00M
est: 372.64M (-76.9%)
|
97.00M
est: 551.45M (-82.4%)
|
233.00M
est: 400.64M (-41.8%)
|
91.00M
est: 405.78M (-77.6%)
|
103.00M
est: 441.36M (-76.7%)
|
51.00M
est: 62.10M (-17.9%)
|
52.00M
est: 476.09M (-89.1%)
|
147.00M
est: 65.49M (+124.5%)
|
62.98M
62.75M – 63.20M
-3.8% YoY
|
65.91M
65.44M – 66.38M
+4.6% YoY
|
67.52M
66.83M – 68.21M
+2.5% YoY
|
| EPS |
3.77
est: 2.22 (+69.7%)
|
5.95
est: 4.33 (+37.3%)
|
3.67
est: 4.18 (-12.2%)
|
5.19
est: 5.08 (+2.2%)
|
7.73
est: 7.67 (+0.8%)
|
9.51
est: 8.82 (+7.8%)
|
8.35
est: 6.93 (+20.6%)
|
13.42
est: 10.95 (+22.6%)
|
9.44
est: 10.47 (-9.8%)
|
4.97
est: 5.21 (-4.7%)
|
10.63
est: 9.98 (+6.5%)
|
12.00
est: 10.22 (+17.5%)
|
5.50
est: 7.48 (-26.5%)
|
12.80
est: 11.57 (+10.7%)
|
13.90
est: 14.69 (-5.4%)
|
16.20
est: 16.18 (+0.2%)
|
14.00
est: 14.53 (-3.6%)
|
13.73
12.66 – 14.80
-5.5% YoY
|
14.91
13.54 – 16.28
+8.6% YoY
|
15.39
13.37 – 17.40
+3.2% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-08 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-07 | B | 3/5 | 3/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-06 | B | 3/5 | 3/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-05 | B | 3/5 | 3/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-04 | B | 3/5 | 3/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-30 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-29 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-28 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-27 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-24 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-23 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-22 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-21 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-20 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-17 | B+ | 3/5 | 4/5 | 3/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-16 | B+ | 3/5 | 4/5 | 3/5 | 5/5 | 1/5 | 3/5 | 3/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
1.17B
OE per share TTM
38.58
Owner's Yield
20.63%
Maintenance CapEx ratio
3.22%
Maint CapEx / Avg PPE
11.9%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
Held by 5 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Dimensional - International Small Cap Value ETF DISV | 0.00% | 8.9K | 0.42% |
| 2 | Dimensional World ex U.S. Core Equity 2 ETF DFAX | 0.00% | 21.4K | 0.28% |
| 3 | Dimensional - International Vector Equity ETF DXIV | 0.00% | 257.22 | 0.53% |
| 4 | Dimensional - International Core Equity 2 ETF DFIC | 0.00% | 13.9K | 0.22% |
| 5 | Dimensional - International Core Equity Market ETF DFAI | 0.00% | — | 0.18% |
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
3.89M
Shares Outstanding
26.96M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Hanne Johansen Nordgaard | Chief Executive Officer | 3M | female |
| Dag Hugo Gangmark Heimstad | Director of Retail Market | 2M | male |
| Bjørn-Tore Brønlund | Director of Corporate Market | 2M | male |
| Anne Ekroll | Chief Financial Officer | 2M | female |
| Øyvind Karlsen | Director of Business Management | 2M | male |
| Cecilie Johnsen | Chief Risk Officer | 2M | female |
| Ida Varem | Personal Alternate Member | 11.0K | — |
| Mats Soreng | Personal Alternate Member | 11.0K | — |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for HELG.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.
