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SpareBank 1 Nord-Norge (NONG.OL)
NOK155.62
+0.56 (+0.36%)
NO OSL Financial Services Banks - Regional
Address
Storgata 65 9008
Tromsø, NO
Tromsø, NO
CEO
Hanne Karoline Kraemer
Website
sparebank1.no
IPO
2003-01-02
ISIN NO0006000801
Also trades on
Oslo Stock Exchange · NONG.OL (NOK)
Other OTC · SPXXF (USD)
Description
SpareBank 1 Nord-Norge delivers a full spectrum of financial services to both individual consumers and business clients throughout Northern Norway. Its operations are structured across several key divisions: Retail Banking, Corporate Banking, Leasing, and Capital Markets. The company's diverse offerings include deposit accounts, various lending options, insurance policies, pension schemes, and payment processing. Additionally, it specializes in providing secured credit, real estate leasing and brokerage, billing system solutions, and accounting support. The institution boasts a considerable footprint, operating 38 branches across 36 municipalities spanning Nordland, Troms, Finnmark, and Svalbard. Founded in 1836, its primary headquarters are located in Tromsø, Norway.
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
NOK155.62
+0.56 (+0.36%)
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Volume Profile
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Liquidity & share structure
Average Volume
91.2K
Beta
0.35
Float Shares
89.40M
Free Float %
89.0%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -2.23% | -3.86% | -10.18% | -5.75% | +3.61% | -4.81% | +0.01% | +54.20% | +68.05% | +277.02% | +436.79% |
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
155.62
DCF (Unlevered)
1,095.30
+603.8%
DCF (Levered)
1,128.95
+625.5%
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)
0% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 4 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
0.38
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
A
Overall Score
4 / 5
High
DCF Score
3 / 5
Medium
ROE Score
5 / 5
High
ROA Score
5 / 5
High
D/E Score
2 / 5
Medium
P/E Score
4 / 5
High
P/Book Score
4 / 5
High
Operational MOAT
-
Revenue growth+1.8% Q1'26: -5.4% (vs Q1'25)
-
EPS growth-6.2% Q1'26: -8.4% (vs Q1'25)
-
FCF margin— Q1'26: +60.4% (vs Q1'25)
-
EBIT margin— Q1'26: +34.3% (vs Q1'25)
-
ROIC— Q1'26: +5.4% (vs Q1'25)
-
Share dilution+3.3% Q1'26: +0.0% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 8.09× (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 3 Rev. Ana. 3 EPS Ana. |
Dec 2027 4 Rev. Ana. 4 EPS Ana. |
Dec 2028 4 Rev. Ana. 4 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
3.75B
est: 1.96B (+91.3%)
|
3.11B
est: 1.78B (+74.9%)
|
3.32B
est: 2.03B (+63.5%)
|
3.55B
est: 2.02B (+75.8%)
|
3.96B
est: 2.52B (+57.6%)
|
4.11B
est: 3.02B (+36.0%)
|
3.49B
est: 2.73B (+27.8%)
|
3.62B
est: 3.04B (+18.9%)
|
3.68B
est: 3.21B (+14.8%)
|
3.94B
est: 3.33B (+18.3%)
|
4.49B
est: 3.98B (+12.9%)
|
4.32B
est: 3.99B (+8.3%)
|
4.25B
est: 4.08B (+4.3%)
|
5.08B
est: 3.87B (+31.4%)
|
8.15B
est: 5.56B (+46.8%)
|
9.60B
est: 6.27B (+53.2%)
|
9.77B
est: 6.39B (+53.0%)
|
6.28B
5.78B – 6.56B
-1.7% YoY
|
6.62B
6.04B – 6.96B
+5.5% YoY
|
6.78B
6.68B – 6.88B
+2.4% YoY
|
| EBITDA |
1.05B
est: 1.01B (+4.5%)
|
1.09B
est: 911.57M (+19.7%)
|
729.00M
est: 1.04B (-30.0%)
|
821.00M
est: 1.04B (-20.9%)
|
1.24B
est: 1.29B (-4.2%)
|
1.44B
est: 1.55B (-7.1%)
|
1.09B
est: 1.40B (-22.2%)
|
1.60B
est: 2.55B (-37.1%)
|
1.83B
est: 2.65B (-30.9%)
|
1.98B
est: 2.83B (-30.0%)
|
2.59B
est: 3.57B (-27.4%)
|
2.21B
est: 3.40B (-34.9%)
|
2.90B
est: 3.31B (-12.4%)
|
2.46B
est: 3.37B (-27.1%)
|
3.36B
est: 2.78B (+20.9%)
|
4.60B
est: 3.36B (+36.6%)
|
4.37B
est: 3.20B (+36.7%)
|
3.14B
2.89B – 3.29B
-1.7% YoY
|
3.31B
3.02B – 3.48B
+5.5% YoY
|
3.39B
3.34B – 3.44B
+2.4% YoY
|
| EBIT |
1.00B
est: 541.70M (+85.0%)
|
1.05B
est: 939.48M (+11.3%)
|
682.00M
est: 1.15B (-40.5%)
|
767.00M
est: 679.00M (+13.0%)
|
1.18B
est: 945.91M (+24.9%)
|
1.35B
est: 1.42B (-5.2%)
|
1.03B
est: 1.23B (-15.9%)
|
1.54B
est: 1.16B (+33.6%)
|
1.76B
est: 1.63B (+8.3%)
|
1.92B
est: 1.87B (+2.7%)
|
2.47B
est: 2.38B (+3.7%)
|
2.10B
est: 2.20B (-4.6%)
|
2.79B
est: 2.14B (+30.3%)
|
2.36B
est: 2.18B (+8.3%)
|
3.27B
est: 2.70B (+21.2%)
|
4.51B
est: 2.99B (+50.7%)
|
4.28B
est: 3.11B (+37.8%)
|
3.05B
2.81B – 3.19B
-1.7% YoY
|
3.22B
2.94B – 3.39B
+5.5% YoY
|
3.30B
3.25B – 3.34B
+2.4% YoY
|
| Net Income |
859.00M
est: 382.38M (+124.6%)
|
860.00M
est: 804.46M (+6.9%)
|
525.00M
est: 932.78M (-43.7%)
|
595.00M
est: 522.69M (+13.8%)
|
966.00M
est: 733.79M (+31.6%)
|
1.10B
est: 1.16B (-5.6%)
|
872.00M
est: 1.00B (-12.8%)
|
1.25B
est: 975.36M (+28.5%)
|
1.44B
est: 1.32B (+8.9%)
|
1.54B
est: 1.53B (+1.0%)
|
2.06B
est: 1.91B (+7.7%)
|
1.74B
est: 1.84B (-5.1%)
|
2.28B
est: 1.79B (+27.7%)
|
1.82B
est: 1.82B (+0.2%)
|
2.52B
est: 1.32B (+90.4%)
|
3.63B
est: 1.41B (+158.2%)
|
3.42B
est: 1.56B (+119.7%)
|
1.43B
1.42B – 1.45B
-7.9% YoY
|
1.57B
1.48B – 1.66B
+9.4% YoY
|
1.65B
1.52B – 1.77B
+5.1% YoY
|
| SGA |
284.00M
est: 1.36B (-79.1%)
|
281.00M
est: 1.17B (-75.9%)
|
122.00M
est: 1.29B (-90.5%)
|
121.00M
est: 1.21B (-90.0%)
|
130.00M
est: 1.71B (-92.4%)
|
136.00M
est: 1.75B (-92.2%)
|
108.00M
est: 1.57B (-93.1%)
|
114.00M
est: 1.94B (-94.1%)
|
113.00M
est: 1.71B (-93.4%)
|
454.00M
est: 1.73B (-73.8%)
|
524.00M
est: 1.98B (-73.5%)
|
461.00M
est: 1.57B (-70.6%)
|
472.00M
est: 1.52B (-69.0%)
|
485.00M
est: 1.55B (-68.7%)
|
193.00M
est: 348.64M (-44.6%)
|
194.00M
est: 386.47M (-49.8%)
|
621.00M
est: 400.85M (+54.9%)
|
393.85M
362.52M – 411.97M
-1.7% YoY
|
415.41M
379.06M – 436.95M
+5.5% YoY
|
425.37M
418.98M – 431.75M
+2.4% YoY
|
| EPS |
5.50
est: 4.36 (+26.0%)
|
14.08
est: 4.42 (+218.2%)
|
2.75
est: 3.27 (-15.8%)
|
3.78
est: 3.43 (+10.2%)
|
4.60
est: 5.00 (-8.0%)
|
5.17
est: 5.52 (-6.3%)
|
4.11
est: 4.32 (-4.8%)
|
5.79
est: 5.64 (+2.7%)
|
6.61
est: 5.98 (+10.5%)
|
15.36
est: 6.77 (+126.9%)
|
9.39
est: 8.06 (+16.4%)
|
7.89
est: 7.27 (+8.5%)
|
10.54
est: 9.47 (+11.2%)
|
8.42
est: 7.78 (+8.3%)
|
11.64
est: 12.20 (-4.6%)
|
16.30
est: 13.87 (+17.5%)
|
15.29
est: 14.96 (+2.2%)
|
13.82
13.70 – 13.94
-7.6% YoY
|
14.81
14.22 – 16.03
+7.2% YoY
|
15.45
14.68 – 17.11
+4.3% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-08 | A | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-07 | A | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-06 | A | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-05 | A | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-04 | A | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-30 | A | 4/5 | 3/5 | 5/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-29 | A | 4/5 | 3/5 | 5/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-28 | A | 4/5 | 3/5 | 5/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-27 | A | 4/5 | 3/5 | 5/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-24 | A | 4/5 | 3/5 | 5/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-23 | A | 4/5 | 4/5 | 5/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-22 | A | 4/5 | 4/5 | 5/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-21 | A | 4/5 | 4/5 | 5/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-20 | A | 4/5 | 4/5 | 5/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-17 | A | 4/5 | 4/5 | 5/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-16 | A | 4/5 | 4/5 | 5/5 | 5/5 | 1/5 | 4/5 | 4/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
4.05B
OE per share TTM
39.59
Owner's Yield
27.54%
Maintenance CapEx ratio
5.45%
Maint CapEx / Avg PPE
13.5%
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 45 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | iShares MSCI Norway ETF ENOR | 0.69% | 638.7K | 0.53% |
| 2 | Global X - MSCI Norway ETF NORW | 0.69% | 596.2K | 0.50% |
| 3 | WisdomTree Europe SmallCap Dividend UCITS ETF WTES.DE | 0.68% | 625.6K | 0.38% |
| 4 | WisdomTree Europe SmallCap Dividend UCITS ETF Acc DFEA.L | 0.68% | 625.6K | 0.38% |
| 5 | WisdomTree International SmallCap Dividend Fund DLS | 0.29% | 3.04M | 0.58% |
| 6 | WisdomTree Dynamic International SmallCap Equity ETF DDLS | 0.26% | 1.13M | 0.48% |
| 7 | Avantis International Small Cap Value ETF AVDV | 0.20% | 37.81M | 0.36% |
| 8 | State Street SPDR MSCI Europe Small Cap Value Weighted UCITS ETF EUR Acc ZPRX.DE | 0.16% | 1.27M | 0.30% |
| 9 | Xtrackers MSCI Europe Small Cap UCITS ETF 1C XXSC.L | 0.10% | 3.32M | 0.30% |
| 10 | iShares MSCI Europe Small-Cap ETF IEUS | 0.10% | 166.9K | 0.41% |
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
4.64M
Shares Outstanding
100.40M
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 Karoline Kraemer | Chief Executive Officer | 5M | female |
| Hanne Karoline Kræmer | Chief Executive Officer | 5M | female |
| Bengt Olsen | Chief Financial Officer | 4M | male |
| Trude Glad | Executive Vice President of Corporate Banking | 4M | female |
| Birgitte Nygaard Vibe | Executive Vice President of Business Development & Technology and Chief Innovation Officer | 3M | female |
| Terje Marius Nilsen | Chief Risk Officer | 3M | male |
| Stein Vidar Loftas | Executive Vice President of Organisation & Business Support | 3M | male |
| Geir Andreassen | Chief Innovation Officer | 3M | male |
| Kristin Amundsen | Chief Executive Officer of EiendomsMegler 1 Nord-Norge | 3M | female |
| Bjørn Bardal | Acting Executive Vice President of Personal Banking | 2M | — |
| Bjorn Bardal | Acting Executive Vice President of Personal Banking | 2M | — |
| Johan-Thomas Hegdahl | Managing Director of SpareBank 1 Regnskapshuset Nord-Norge | 2M | — |
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 NONG.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.
