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SpareBank 1 Østfold Akershus (SOAG.OL)
Moss, NO
SpareBank 1 Østfold Akershus operates as a savings bank that provides various banking products and services in Norway. It offers savings in funds; savings accounts; savings for children and retirement; and stocks and investment products. The company also provides mortgage, car, moving, consumer, vehicle, green, and transferring loans, as well as refinancing of mortgage and consumer debt; financing services, including overdrafts, leasing, business loans, bank guarantees, construction loans, growth guarantee schemes, operating credit for agriculture, factoring, and invoice sales. In addition, it offers pension products; car, home, personal, pet, vehicle, travel, machinery, building, employee and personal, and farm and agricultural insurances; and property services. Further, the company provides mobile and online banking; bank card and credit card; and pay and transfer services. SpareBank 1 Østfold Akershus was founded in 1835 and is based in Moss, 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 |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | -0.45% | +3.64% | +1.11% | +4.83% | +0.60% | +4.11% | +43.40% | +55.10% | +269.23% | +249.99% |
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 | 2 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Banks: +13.8%+5.2% Q1'26: +2.1% (vs Q1'25)
-
EPS growth Banks: +25.1%+0.6% Q1'26: +19.1% (vs Q1'25)
-
FCF margin FCF growth · Banks: +75.8%-12.4% Q1'26: +26.5% (vs Q1'25)
-
EBIT margin Banks: +27.6%+36.7% ★ Q1'26: +25.0% (vs Q1'25)
-
ROIC Banks: +1.1%+6.6% ★ Q1'26: +4.3% (vs Q1'25)
-
Share dilution Banks: +0.1%+7.5% Q1'26: -7.2% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Banks: 1.37×5.87× Q1'26: 9.56× (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 2 Rev. Ana. 2 EPS Ana. |
Dec 2027 2 Rev. Ana. 2 EPS Ana. |
Dec 2028 2 Rev. Ana. 2 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
760.62M
est: 310.59M (+144.9%)
|
769.70M
est: 220.25M (+249.5%)
|
758.30M
est: 424.27M (+78.7%)
|
998.68M
est: 255.78M (+290.4%)
|
1.00B
est: 283.29M (+253.5%)
|
1.02B
est: 471.47M (+116.8%)
|
858.66M
est: 611.00M (+40.5%)
|
868.18M
est: 711.14M (+22.1%)
|
843.08M
est: 669.61M (+25.9%)
|
925.19M
est: 741.85M (+24.7%)
|
1.02B
est: 790.78M (+28.6%)
|
965.00M
est: 795.08M (+21.4%)
|
948.00M
est: 864.96M (+9.6%)
|
1.18B
est: 934.79M (+26.3%)
|
1.73B
est: 1.15B (+50.3%)
|
2.07B
est: 1.29B (+59.6%)
|
2.17B
est: 1.32B (+64.6%)
|
1.32B
1.25B – 1.39B
+0.3% YoY
|
1.39B
1.31B – 1.46B
+4.7% YoY
|
1.45B
1.44B – 1.45B
+4.3% YoY
|
| EBITDA |
89.06M
est: 147.62M (-39.7%)
|
154.01M
est: 104.68M (+47.1%)
|
141.71M
est: 201.64M (-29.7%)
|
206.00M
est: 121.57M (+69.5%)
|
239.77M
est: 134.64M (+78.1%)
|
286.97M
est: 224.08M (+28.1%)
|
291.66M
est: 290.39M (+0.4%)
|
416.76M
est: 337.99M (+23.3%)
|
413.00M
est: 566.40M (-27.1%)
|
448.64M
est: 671.99M (-33.2%)
|
511.00M
est: 746.47M (-31.5%)
|
475.00M
est: 737.23M (-35.6%)
|
569.00M
est: 766.15M (-25.7%)
|
589.00M
est: 786.88M (-25.1%)
|
668.00M
est: 520.73M (+28.3%)
|
825.00M
est: 824.14M (+0.1%)
|
817.00M
est: 596.58M (+36.9%)
|
598.43M
566.86M – 630.01M
+0.3% YoY
|
626.52M
591.68M – 661.36M
+4.7% YoY
|
653.55M
650.09M – 657.02M
+4.3% YoY
|
| EBIT |
80.21M
est: 138.98M (-42.3%)
|
136.20M
est: 98.56M (+38.2%)
|
129.10M
est: 262.36M (-50.8%)
|
187.63M
est: 94.70M (+98.1%)
|
222.01M
est: 207.77M (+6.8%)
|
262.73M
est: 369.47M (-28.9%)
|
278.18M
est: 278.90M (-0.3%)
|
404.15M
est: 566.86M (-28.7%)
|
401.30M
est: 375.68M (+6.8%)
|
437.10M
est: 448.56M (-2.6%)
|
489.00M
est: 494.06M (-1.0%)
|
455.00M
est: 460.12M (-1.1%)
|
549.00M
est: 478.18M (+14.8%)
|
567.00M
est: 491.11M (+15.5%)
|
635.00M
est: 501.83M (+26.5%)
|
795.00M
est: 514.36M (+54.6%)
|
798.00M
est: 574.92M (+38.8%)
|
576.71M
546.28M – 607.13M
+0.3% YoY
|
603.77M
570.20M – 637.35M
+4.7% YoY
|
629.82M
626.48M – 633.16M
+4.3% YoY
|
| Net Income |
62.13M
est: 56.56M (+9.8%)
|
104.68M
est: 170.47M (-38.6%)
|
108.15M
est: 110.45M (-2.1%)
|
136.87M
est: 136.99M (-0.1%)
|
171.58M
est: 151.62M (+13.2%)
|
219.85M
est: 285.59M (-23.0%)
|
220.99M
est: 220.51M (+0.2%)
|
332.04M
est: 438.17M (-24.2%)
|
320.85M
est: 308.66M (+4.0%)
|
358.22M
est: 358.64M (-0.1%)
|
404.00M
est: 404.90M (-0.2%)
|
369.00M
est: 379.59M (-2.8%)
|
443.00M
est: 394.48M (+12.3%)
|
452.00M
est: 485.00M (-6.8%)
|
493.00M
est: 473.00M (+4.2%)
|
651.00M
est: 704.00M (-7.5%)
|
657.00M
est: 623.00M (+5.5%)
|
564.18M
547.97M – 580.39M
-9.4% YoY
|
605.80M
587.31M – 616.08M
+7.4% YoY
|
641.31M
614.44M – 665.79M
+5.9% YoY
|
| SGA |
44.27M
est: 5.41M (+718.6%)
|
—
est: 3.84M (-100.0%)
|
63.20M
est: 7.54M (+738.6%)
|
81.11M
est: 4.45M (+1,721.1%)
|
14.87M
est: 5.03M (+195.5%)
|
16.24M
est: 8.37M (+93.9%)
|
10.82M
est: 10.85M (-0.3%)
|
14.80M
est: 12.63M (+17.2%)
|
15.94M
est: 306.81M (-94.8%)
|
14.77M
est: 369.40M (-96.0%)
|
21.00M
est: 401.22M (-94.8%)
|
19.00M
est: 344.41M (-94.5%)
|
23.00M
est: 357.92M (-93.6%)
|
23.00M
est: 367.61M (-93.7%)
|
23.00M
est: 18.68M (+23.1%)
|
25.00M
est: 20.99M (+19.1%)
|
26.00M
est: 21.40M (+21.5%)
|
21.47M
20.34M – 22.60M
+0.3% YoY
|
22.48M
21.23M – 23.73M
+4.7% YoY
|
23.45M
23.32M – 23.57M
+4.3% YoY
|
| EPS |
7.08
est: 4.59 (+54.3%)
|
13.72
est: 13.82 (-0.7%)
|
32.50
est: 8.91 (+264.6%)
|
12.28
est: 11.05 (+11.1%)
|
15.39
est: 13.33 (+15.5%)
|
21.80
est: 19.35 (+12.6%)
|
19.56
est: 17.80 (+9.9%)
|
27.40
est: 24.89 (+10.1%)
|
24.24
est: 23.03 (+5.2%)
|
28.92
est: 25.58 (+13.0%)
|
30.49
est: 25.53 (+19.4%)
|
27.88
est: 24.31 (+14.7%)
|
35.77
est: 31.70 (+12.9%)
|
34.15
est: 30.94 (+10.4%)
|
37.29
est: 38.22 (-2.4%)
|
49.09
est: 45.40 (+8.1%)
|
49.36
est: 45.80 (+7.8%)
|
42.39
41.17 – 43.60
-7.5% YoY
|
45.20
44.12 – 46.29
+6.6% YoY
|
48.09
46.16 – 50.02
+6.4% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-08 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-07 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-06 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-05 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-04 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-30 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-29 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-28 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-27 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-24 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-23 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-22 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-21 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-20 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-17 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-16 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 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
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 |
|---|---|---|---|
| Arild Bjorn Hansen | Chief Executive Officer | 4M | male |
| Lillian E. Lundberg | Deputy Chief Executive Officer, IR Manager & Chief Financial Officer | 2M | female |
| Jorunn Solstad Ellingsen | Director of HR & Technology | 1M | male |
| Ivar A. Christoffersen | Director of Communications | 1M | male |
| Geir A. Haugan | Director of Strategy & Marketing | 1M | male |
| Tobias Ekstrøm | Financial Controller | — | male |
| Ina Tiller | Director of Credit & Adviser Support | — | female |
| Magne Kristoffersen | Controller | — | male |
| Annicken Steinsvik Herje | Director of Risk Management & Compliance | — | female |
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 SOAG.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.
