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Haugesund Sparebank (HGSB.OL)
Haugesund, NO
Haugesund Sparebank operates as a savings bank in Norway, delivering a broad spectrum of financial products and services to both private individuals and corporate clients. For its personal banking customers, the bank offers essential accounts such as current, deposit, and association options. Lending solutions span mortgages, consumer credit, and financing for vehicles like cars and boats. Investment and savings opportunities include general savings accounts, shares and funds, pension plans, and dedicated savings for children and youth. The bank also provides a variety of insurance products, covering vehicles, leisure activities, homes and contents, and life and health. Furthermore, it facilitates modern payment methods through bank and credit cards, mobile and watch payments, various payment apps, and comprehensive online and mobile banking services. Corporate customers can access a suite of business-oriented financial tools, including diverse loans (business, agricultural, construction), overdraft facilities, leasing solutions, and bank guarantees. They are also provided with current accounts, sophisticated payment systems, online business platforms, and specialized savings and investment products, alongside insurance and pension packages. Additionally, Haugesund Sparebank extends its services to include real estate brokerage and securities trading. The institution, established in 1928, maintains its head office in Haugesund, 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 |
|---|---|---|---|---|---|---|---|---|---|---|
| +1.87% | -0.01% | +0.09% | -0.63% | +0.20% | +0.92% | -3.58% | +6.57% | +6.57% | +6.57% | +6.57% |
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 | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 1 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+13.0% Q1'26: +13.7% (vs Q1'25)
-
EPS growth+266.9% Q1'26: -27.6% (vs Q1'25)
-
FCF margin— Q1'26: +36.1% (vs Q1'25)
-
EBIT margin— Q1'26: +20.4% (vs Q1'25)
-
ROIC— Q1'26: +2.3% (vs Q1'25)
-
Share dilution+133.5% Q1'26: +133.5% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 21.05× (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 |
959.18M
est: 397.10M (+141.5%)
|
1.08B
est: 438.80M (+147.0%)
|
504.80M
504.80M – 504.80M
+15.0% YoY
|
555.80M
555.80M – 555.80M
+10.1% YoY
|
604.80M
604.80M – 604.80M
+8.8% YoY
|
| EBITDA |
207.91M
est: 162.36M (+28.1%)
|
239.58M
est: 179.41M (+33.5%)
|
206.39M
206.39M – 206.39M
+15.0% YoY
|
227.24M
227.24M – 227.24M
+10.1% YoY
|
247.28M
247.28M – 247.28M
+8.8% YoY
|
| EBIT |
199.89M
est: 114.26M (+74.9%)
|
233.76M
est: 126.26M (+85.1%)
|
145.25M
145.25M – 145.25M
+15.0% YoY
|
159.93M
159.93M – 159.93M
+10.1% YoY
|
174.03M
174.03M – 174.03M
+8.8% YoY
|
| Net Income |
158.58M
est: 57.42M (+176.1%)
|
188.94M
est: 55.17M (+242.5%)
|
43.45M
43.45M – 43.45M
-21.2% YoY
|
52.59M
52.59M – 52.59M
+21.0% YoY
|
56.58M
56.58M – 56.58M
+7.6% YoY
|
| SGA |
16.55M
est: 5.92M (+179.7%)
|
—
est: 6.54M (-100.0%)
|
7.52M
7.52M – 7.52M
+15.0% YoY
|
8.28M
8.28M – 8.28M
+10.1% YoY
|
9.01M
9.01M – 9.01M
+8.8% YoY
|
| EPS |
9.80
est: 10.93 (-10.3%)
|
35.96
est: 10.50 (+242.5%)
|
8.27
8.27 – 8.27
-21.2% YoY
|
10.01
10.01 – 10.01
+21.0% YoY
|
10.77
10.77 – 10.77
+7.6% 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 |
| 2026-05-27 | 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 |
| 2026-05-21 | 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 | 4/5 |
| 2026-05-13 | B- | 3/5 | 1/5 | 2/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-12 | B- | 3/5 | 1/5 | 2/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-11 | B- | 3/5 | 1/5 | 2/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-08 | B- | 3/5 | 1/5 | 2/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-07 | B- | 3/5 | 1/5 | 2/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-06 | B- | 3/5 | 1/5 | 2/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-05 | B | 3/5 | 1/5 | 2/5 | 3/5 | 1/5 | 4/5 | 5/5 |
| 2026-05-04 | B | 3/5 | 1/5 | 2/5 | 3/5 | 1/5 | 4/5 | 5/5 |
| 2026-04-30 | B | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-28 | B | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-27 | B | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 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 | 4/5 |
| 2026-04-22 | B | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-21 | B | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-20 | B | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-17 | B | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-16 | B | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 4/5 | 4/5 |
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 |
|---|---|---|---|
| Bente Haraldson Syre | MD & Chief Executive Officer | 4M | female |
| Torstein Langeland | Bank Manager BM, Deputy Chairman | 2M | male |
| Steffen Næss | Head of Finance & Economics | 1M | male |
| Rolf Lillehammer | Bank Manager PM | 1M | — |
| Lillian Medby Morisbak | Head of Communications, Technology & Customer Experience | 1M | female |
| Marit Synnove Frantsen | Employee Representative Member of the Board | 106.3K | — |
| Paal Nebylien | Member of the Board | 65.5K | — |
| Janne Kongshavn Hordvik | Member of the Board | 65.5K | — |
| Anne Marit Helgevold Heggebo | Member of the Board | 65.5K | — |
| Thor Krukhaug | Member of the Board | 65.5K | — |
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 HGSB.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.
