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Sparebanken Norge (SBNOR.OL)
Bergen, NO
Operating primarily in Norway's Vestland and Rogaland counties, Sparebanken Norge (which will adopt this name from Sparebanken Vest in May 2025) delivers a full spectrum of financial services, including comprehensive banking and financing solutions. The institution manages its diverse offerings through segments such as Corporate Market, Retail Market, Bulder Bank, Treasury, and Estate Agency Activities. Beyond traditional banking, its services extend to investment banking, trading securities for professional clients, providing leasing and sales mortgage loans, and engaging in real estate agency. The company, established in 1823, maintains its headquarters in Bergen, 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 |
|---|---|---|---|---|---|---|---|---|---|---|
| -2.21% | -3.07% | -9.47% | -4.03% | +9.02% | -3.96% | +31.90% | +95.88% | +120.19% | +453.06% | +220.07% |
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 | 4 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+313.7% Q1'26: +339.9% (vs Q1'25)
-
EPS growth-59.1% Q1'26: -6.3% (vs Q1'25)
-
FCF margin— Q1'26: +33.4% (vs Q1'25)
-
EBIT margin— Q1'26: +24.4% (vs Q1'25)
-
ROIC— Q1'26: +2.3% (vs Q1'25)
-
Share dilution+36.9% Q1'26: +58.0% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 34.27× (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 2 Rev. Ana. 3 EPS Ana. |
Dec 2027 3 Rev. Ana. 4 EPS Ana. |
Dec 2028 3 Rev. Ana. 4 EPS Ana. |
|---|---|---|---|---|---|
| Revenue |
7.34B
est: 7.55B (-2.8%)
|
30.37B
est: 11.99B (+153.2%)
|
13.41B
13.21B – 13.57B
+11.8% YoY
|
14.34B
13.83B – 14.83B
+6.9% YoY
|
14.92B
14.89B – 14.95B
+4.1% YoY
|
| EBITDA |
—
est: 4.10B (-100.0%)
|
7.76B
est: 6.51B (+19.2%)
|
7.28B
7.17B – 7.37B
+11.8% YoY
|
7.78B
7.51B – 8.05B
+6.9% YoY
|
8.10B
8.08B – 8.12B
+4.1% YoY
|
| EBIT |
-178.00M
est: 3.80B (-104.7%)
|
7.63B
est: 6.03B (+26.5%)
|
6.74B
6.65B – 6.82B
+11.8% YoY
|
7.21B
6.96B – 7.46B
+6.9% YoY
|
7.50B
7.49B – 7.52B
+4.1% YoY
|
| Net Income |
4.65B
est: 2.51B (+85.3%)
|
6.49B
est: 2.37B (+174.4%)
|
2.38B
2.24B – 2.51B
+0.4% YoY
|
2.48B
2.18B – 2.78B
+4.4% YoY
|
2.62B
2.20B – 3.03B
+5.6% YoY
|
| SGA |
74.00M
est: 1.13B (-93.5%)
|
1.96B
est: 1.80B (+8.7%)
|
2.01B
1.98B – 2.03B
+11.8% YoY
|
2.15B
2.07B – 2.22B
+6.9% YoY
|
2.24B
2.23B – 2.24B
+4.1% YoY
|
| EPS |
40.98
est: 16.73 (+145.0%)
|
16.76
est: 15.78 (+6.2%)
|
15.79
14.95 – 16.71
+0.1% YoY
|
16.53
14.49 – 18.55
+4.7% YoY
|
17.21
14.69 – 20.22
+4.1% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-11 | C+ | 2/5 | 1/5 | 3/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-08 | C+ | 2/5 | 1/5 | 3/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-07 | C+ | 2/5 | 1/5 | 3/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-06 | C+ | 2/5 | 1/5 | 3/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-05 | C+ | 2/5 | 1/5 | 3/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-04 | C+ | 2/5 | 1/5 | 3/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-30 | C+ | 2/5 | 1/5 | 3/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-29 | C+ | 2/5 | 1/5 | 3/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-28 | C+ | 2/5 | 1/5 | 3/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-27 | C+ | 2/5 | 1/5 | 3/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-24 | C+ | 2/5 | 1/5 | 3/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-23 | C+ | 2/5 | 1/5 | 3/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-22 | C+ | 2/5 | 1/5 | 3/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-21 | B- | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-20 | B- | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-17 | B- | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-16 | B- | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 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 | Amundi STOXX Europe 600 Industrials UCITS ETF Acc IND.PA | 0.79% | 3.67M | 0.30% |
| 2 | Amundi STOXX Europe 600 Industrials UCITS ETF Dist INDU.DE | 0.79% | 3.67M | 0.30% |
| 3 | iShares STOXX Europe Small 200 UCITS ETF (DE) EXSE.DE | 0.38% | 2.59M | 0.20% |
| 4 | iShares STOXX Europe 600 Banks UCITS ETF (DE) EXV1.DE | 0.12% | 4.84M | 0.46% |
| 5 | Portfolio Building Block European Banks Index ETF PBEU | 0.11% | 505.6K | 0.25% |
| 6 | Schwab International Small-Cap Equity ETF SCHC | 0.09% | 4.79M | 0.06% |
| 7 | Vanguard FTSE All-World ex-US Small-Cap ETF VSS | 0.09% | 12.62M | 0.06% |
| 8 | iShares International Dividend Growth ETF IGRO | 0.08% | 950.7K | 0.15% |
| 9 | Amundi STOXX Europe 600 Healthcare UCITS ETF Acc CH5.L | 0.06% | 616.1K | 0.30% |
| 10 | Amundi STOXX Europe 600 Healthcare UCITS ETF Dist EHLT.DE | 0.06% | 615.9K | 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 Erik Kjerpeseth | Executive Vice President, MD & Chief Executive Officer | 7M | male |
| Siren Sundland | Executive Vice President Technology & Development | 3M | female |
| Jan-Stale Hatlebakk | Executive Vice President, Head of Risk Management & CRO | 3M | male |
| Simen Løland Aarskog | Executive Vice President of Head of Retail Markets & Central | 2M | male |
| Monica Galtung Døsvig | Head of Legal | — | — |
| Brede Borgen Kristiansen | Chief Compliance Officer | — | male |
| Terje Mjelde | Head of Management Accounting | — | — |
| Hans Olav Ingdal | Executive Vice President, CFO, Finance & Corporate Governance | — | male |
| Ingrid Paasche | Marketing Manager | — | — |
| Lars Ove Breivik | Chief Information Officer & Head of Communication | — | male |
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 SBNOR.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.
