Español 
Deutsch 
Français 
MSCI World Index (MSC)
NASDAQ Composite (NASDAQ)
FTSE China A50 Index (FGI)
STOXX Europe 600 (SIX)
Nikkei 300 (OSA)
NIFTY 50 (NSE)
DAX Performance Index (XETRA)
FTSE 100 (FGI)
CAC 40 (EURONEXT)
SpareBank 1 SMN (MING.OL)
Trondheim, NO
Established in 1823 and headquartered in Trondheim, Norway, SpareBank 1 SMN operates as a comprehensive financial institution, along with its subsidiaries, delivering banking, accounting, and real estate services to private individuals and businesses both domestically and internationally. For personal clients, the bank offers an extensive array of financing options including residential mortgages, eco-friendly green loans, various vehicle loans, consumer credit, and refinancing solutions. Diverse savings products are available, such as standard savings accounts, specialized BSU schemes for young home buyers, mikrosparing, fixed-rate and green deposits, and placement accounts. Investment opportunities span savings funds, share savings accounts, stock trading, private banking services, and a selection of individual and general pension plans. Additionally, it provides broad insurance coverage for vehicles, homes, travel, personal needs, pets, and valuables, alongside advisory services for property transactions and modern digital banking tools including mobile and online platforms, complemented by debit and credit cards. Business customers benefit from a wide range of financial instruments like corporate and construction loans, agricultural operating credit, factoring, invoice sales, leasing arrangements, and liquidity loans often backed by government guarantees, in addition to essential bank guarantees. The bank also supplies various corporate pension schemes and tailored business insurance products. Extending beyond core banking, SpareBank 1 SMN delivers accounting and payroll services, HR support, tax and duty compliance, assistance with ownership changes, and specialized IT solutions. Its real estate division further provides agency services, expert advisory, and both external and equity financing options.
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 |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.01% | -3.96% | -11.32% | -7.83% | +0.63% | -7.49% | +0.45% | +40.54% | +59.69% | +290.58% | +503.80% |
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 | 1 | 0 |
| Hold | 2 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+1.7% Q1'26: -5.7% (vs Q1'25)
-
EPS growth-5.1% Q1'26: -15.5% (vs Q1'25)
-
FCF margin— Q1'26: +90.7% (vs Q1'25)
-
EBIT margin— Q1'26: +22.1% (vs Q1'25)
-
ROIC— Q1'26: +3.1% (vs Q1'25)
-
Share dilution+0.0% Q1'26: +0.0% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 16.49× (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 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 3 Rev. Ana. 3 EPS Ana. |
Dec 2027 4 Rev. Ana. 4 EPS Ana. |
Dec 2028 4 Rev. Ana. 4 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
4.46B
est: 2.42B (+84.2%)
|
4.41B
est: 2.49B (+76.8%)
|
5.00B
est: 2.71B (+84.5%)
|
5.27B
est: 2.99B (+76.5%)
|
5.73B
est: 3.53B (+62.5%)
|
5.97B
est: 3.94B (+51.4%)
|
5.59B
est: 3.76B (+48.7%)
|
5.79B
est: 4.37B (+32.4%)
|
6.15B
est: 4.79B (+28.3%)
|
6.58B
est: 5.32B (+23.7%)
|
7.24B
est: 6.22B (+16.5%)
|
6.98B
est: 6.10B (+14.5%)
|
6.19B
est: 6.58B (-6.0%)
|
8.30B
est: 6.41B (+29.5%)
|
13.85B
est: 8.38B (+65.3%)
|
16.06B
est: 8.98B (+78.8%)
|
16.33B
est: 9.02B (+80.9%)
|
9.13B
8.54B – 9.71B
+1.2% YoY
|
9.56B
8.65B – 10.06B
+4.7% YoY
|
9.80B
9.78B – 9.82B
+2.6% YoY
|
| EBITDA |
1.20B
est: 985.61M (+21.5%)
|
1.33B
est: 1.01B (+31.0%)
|
1.32B
est: 1.10B (+20.2%)
|
1.46B
est: 1.21B (+20.0%)
|
1.88B
est: 1.43B (+30.8%)
|
2.25B
est: 1.60B (+40.4%)
|
1.88B
est: 1.53B (+23.0%)
|
2.13B
est: 1.78B (+19.5%)
|
2.38B
est: 4.10B (-42.0%)
|
2.55B
est: 4.42B (-42.3%)
|
3.25B
est: 5.10B (-36.2%)
|
2.54B
est: 4.79B (-47.0%)
|
3.45B
est: 4.83B (-28.6%)
|
3.44B
est: 4.92B (-30.0%)
|
4.64B
est: 3.38B (+37.3%)
|
5.83B
est: 5.03B (+15.8%)
|
5.64B
est: 3.64B (+54.9%)
|
3.68B
3.44B – 3.92B
+1.2% YoY
|
3.85B
3.49B – 4.06B
+4.7% YoY
|
3.95B
3.94B – 3.96B
+2.6% YoY
|
| EBIT |
1.15B
est: 977.64M (+17.3%)
|
1.28B
est: 1.18B (+8.6%)
|
1.24B
est: 1.38B (-10.3%)
|
1.36B
est: 1.41B (-3.9%)
|
1.76B
est: 1.60B (+9.8%)
|
2.14B
est: 1.96B (+9.1%)
|
1.78B
est: 2.14B (-16.9%)
|
2.03B
est: 2.01B (+1.1%)
|
2.28B
est: 2.21B (+2.9%)
|
2.45B
est: 2.55B (-3.9%)
|
3.08B
est: 2.89B (+6.4%)
|
2.37B
est: 2.87B (-17.5%)
|
3.27B
est: 2.90B (+12.6%)
|
3.32B
est: 2.95B (+12.7%)
|
4.48B
est: 3.25B (+38.1%)
|
5.65B
est: 3.40B (+66.1%)
|
5.45B
est: 3.50B (+55.8%)
|
3.54B
3.31B – 3.76B
+1.2% YoY
|
3.70B
3.35B – 3.90B
+4.7% YoY
|
3.80B
3.79B – 3.81B
+2.6% YoY
|
| Net Income |
931.00M
est: 774.07M (+20.3%)
|
1.02B
est: 958.47M (+6.1%)
|
1.02B
est: 1.09B (-7.1%)
|
1.07B
est: 1.12B (-4.7%)
|
1.39B
est: 1.26B (+10.2%)
|
1.77B
est: 1.55B (+14.1%)
|
1.41B
est: 1.77B (-20.2%)
|
1.64B
est: 1.59B (+3.0%)
|
1.80B
est: 1.79B (+0.4%)
|
2.06B
est: 2.01B (+2.4%)
|
2.51B
est: 2.43B (+3.2%)
|
1.85B
est: 2.34B (-20.8%)
|
2.74B
est: 2.36B (+16.2%)
|
2.66B
est: 2.40B (+10.6%)
|
3.61B
est: 2.60B (+39.1%)
|
4.49B
est: 2.65B (+69.0%)
|
4.28B
est: 2.69B (+59.0%)
|
2.62B
2.58B – 2.65B
-2.8% YoY
|
2.82B
2.69B – 2.95B
+8.0% YoY
|
2.91B
2.72B – 3.10B
+3.1% YoY
|
| SGA |
38.00M
est: 1.75B (-97.8%)
|
43.00M
est: 1.58B (-97.3%)
|
50.00M
est: 1.37B (-96.3%)
|
49.00M
est: 1.66B (-97.1%)
|
58.00M
est: 2.02B (-97.1%)
|
81.00M
est: 2.14B (-96.2%)
|
96.00M
est: 1.99B (-95.2%)
|
98.00M
est: 2.53B (-96.1%)
|
104.00M
est: 2.90B (-96.4%)
|
106.00M
est: 3.22B (-96.7%)
|
101.00M
est: 3.61B (-97.2%)
|
73.00M
est: 3.07B (-97.6%)
|
75.00M
est: 3.10B (-97.6%)
|
86.00M
est: 3.15B (-97.3%)
|
93.00M
est: 68.92M (+34.9%)
|
104.00M
est: 72.15M (+44.1%)
|
89.00M
est: 74.23M (+19.9%)
|
75.09M
70.28M – 79.89M
+1.2% YoY
|
78.62M
71.13M – 82.77M
+4.7% YoY
|
80.63M
80.44M – 80.82M
+2.6% YoY
|
| EPS |
6.17
est: 5.53 (+11.5%)
|
5.89
est: 4.95 (+19.0%)
|
6.11
est: 5.55 (+10.1%)
|
5.25
est: 5.69 (-7.7%)
|
6.97
est: 7.12 (-2.1%)
|
8.87
est: 8.36 (+6.1%)
|
7.00
est: 6.98 (+0.2%)
|
7.93
est: 7.06 (+12.4%)
|
8.71
est: 7.95 (+9.5%)
|
15.89
est: 9.47 (+67.7%)
|
12.14
est: 10.26 (+18.3%)
|
8.87
est: 8.13 (+9.1%)
|
11.77
est: 12.71 (-7.4%)
|
11.44
est: 12.48 (-8.3%)
|
16.88
est: 18.16 (-7.1%)
|
20.10
est: 18.67 (+7.6%)
|
19.08
est: 18.68 (+2.1%)
|
18.14
17.87 – 18.41
-2.9% YoY
|
19.55
18.69 – 20.48
+7.8% YoY
|
20.05
18.87 – 21.52
+2.5% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-08 | B+ | 3/5 | 3/5 | 4/5 | 4/5 | 1/5 | 4/5 | 3/5 |
| 2026-05-07 | B+ | 3/5 | 3/5 | 4/5 | 4/5 | 1/5 | 4/5 | 3/5 |
| 2026-05-06 | B+ | 3/5 | 3/5 | 4/5 | 4/5 | 1/5 | 4/5 | 3/5 |
| 2026-05-05 | B+ | 3/5 | 3/5 | 4/5 | 4/5 | 1/5 | 4/5 | 3/5 |
| 2026-05-04 | B+ | 3/5 | 3/5 | 4/5 | 4/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-30 | A- | 4/5 | 3/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-29 | A- | 4/5 | 3/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-28 | A- | 4/5 | 3/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-27 | A- | 4/5 | 3/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-24 | A- | 4/5 | 3/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-23 | A- | 4/5 | 3/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-22 | A- | 4/5 | 3/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-21 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-20 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-17 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-16 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
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
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Global X - MSCI Norway ETF NORW | 1.16% | 1.00M | 0.50% |
| 2 | iShares MSCI Norway ETF ENOR | 1.16% | 1.07M | 0.53% |
| 3 | WisdomTree Europe SmallCap Dividend UCITS ETF WTES.DE | 0.87% | 802.2K | 0.38% |
| 4 | WisdomTree Europe SmallCap Dividend UCITS ETF Acc DFEA.L | 0.87% | 802.2K | 0.38% |
| 5 | iShares International Developed Small Cap Value Factor ETF ISVL | 0.35% | 1.12M | 0.31% |
| 6 | WisdomTree Dynamic International SmallCap Equity ETF DDLS | 0.35% | 1.50M | 0.48% |
| 7 | WisdomTree International SmallCap Dividend Fund DLS | 0.34% | 3.52M | 0.58% |
| 8 | Portfolio Building Block European Banks Index ETF PBEU | 0.24% | 1.05M | 0.25% |
| 9 | State Street SPDR MSCI Europe Small Cap Value Weighted UCITS ETF EUR Acc ZPRX.DE | 0.20% | 1.54M | 0.30% |
| 10 | Xtrackers MSCI Europe Small Cap UCITS ETF 1C XXSC.L | 0.16% | 5.40M | 0.30% |
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 |
|---|---|---|---|
| Jan-Frode Janson | Group Chief Executive Officer | 7M | male |
| Kjetil Reinsberg | Chief Executive Officer of EiendomsMegler 1 Midt-Norge | 4M | male |
| Arne Sverressønn Nypan | Chief Executive Officer of SpareBank 1 Regnskapshuset SMN | 4M | male |
| Trond Soraas | Executive Director of Group Finance & Governance | 3M | male |
| Astrid Undheim | Executive Director of Technology & Development | 3M | female |
| Rolf Jarle Broske | Executive Vice President of ??Marketing, Communications and Digital Sales | 3M | male |
| Monica Haftorn Iversen | Executive Director of Retail Banking | 2M | female |
| Jon Havdal | Managing Director of Regnskapshuset SMN | — | — |
| Stein Håvard Husby | Chief Executive Officer of Sparebank 1 Markets | — | male |
| Trond Barikmo | Treasury Manager/IR | — | — |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for MING.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.
