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SpareBank 1 Ostlandet (SPOL.OL)
Hamar, NO
SpareBank 1 Østlandet delivers a comprehensive suite of financial offerings to a diverse clientele, encompassing private individuals, corporate entities, public institutions, and various clubs and societies. The institution provides essential banking functions such as deposit accounts, lending, and savings instruments, complemented by expert advisory services, both life and non-life insurance policies, and pension schemes. Additionally, its extensive portfolio includes credit card facilities, leasing arrangements, international money transfer services, sophisticated capital and investment management, debt recovery, real estate brokerage and rental, factoring, specialized trade and corporate finance solutions, and an array of accounting-related services. The bank maintains a physical presence with 36 branches strategically located throughout the Innlandet, Oslo, and Viken regions. Established in 1845, its headquarters are situated in Hamar, Norway. SpareBank 1 Østlandet operates as a subsidiary of Sparebankstiftelsen Hedmark.
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 |
|---|---|---|---|---|---|---|---|---|---|---|
| +1.42% | -2.54% | -7.54% | -3.07% | +8.08% | -6.73% | +8.95% | +56.46% | +67.72% | +142.79% | +142.79% |
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 | 3 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+10.4% Q1'26: -6.3% (vs Q1'25)
-
EPS growth-4.0% Q1'26: -8.1% (vs Q1'25)
-
FCF margin— Q1'26: +29.4% (vs Q1'25)
-
EBIT margin— Q1'26: +21.8% (vs Q1'25)
-
ROIC— Q1'26: +3.9% (vs Q1'25)
-
Share dilution+14.0% Q1'26: +0.0% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 15.57× (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 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 3 Rev. Ana. 3 EPS Ana. |
Dec 2028 3 Rev. Ana. 3 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
4.47B
est: 3.36B (+33.2%)
|
4.80B
est: 3.61B (+33.0%)
|
5.40B
est: 4.14B (+30.4%)
|
5.05B
est: 3.98B (+26.9%)
|
4.89B
est: 4.33B (+13.0%)
|
6.43B
est: 4.39B (+46.4%)
|
5.04B
est: 5.60B (-10.0%)
|
13.11B
est: 6.64B (+97.5%)
|
14.47B
est: 7.36B (+96.5%)
|
7.27B
7.06B – 7.48B
-1.3% YoY
|
7.61B
7.47B – 7.84B
+4.7% YoY
|
7.81B
7.80B – 7.82B
+2.6% YoY
|
| EBITDA |
1.70B
est: 1.49B (+13.9%)
|
1.84B
est: 3.12B (-41.1%)
|
2.46B
est: 3.68B (-33.2%)
|
2.06B
est: 3.64B (-43.2%)
|
2.56B
est: 3.85B (-33.5%)
|
2.50B
est: 4.04B (-38.0%)
|
2.94B
est: 2.34B (+25.9%)
|
4.21B
est: 2.70B (+55.6%)
|
3.93B
est: 3.07B (+27.7%)
|
3.03B
2.95B – 3.12B
-1.3% YoY
|
3.18B
3.12B – 3.27B
+4.7% YoY
|
3.26B
3.26B – 3.26B
+2.6% YoY
|
| EBIT |
1.62B
est: 1.42B (+13.8%)
|
1.74B
est: 1.74B (-0.5%)
|
2.33B
est: 2.08B (+11.9%)
|
1.93B
est: 2.14B (-9.9%)
|
2.44B
est: 2.27B (+7.4%)
|
2.38B
est: 2.38B (-0.1%)
|
2.81B
est: 2.23B (+25.9%)
|
4.05B
est: 2.64B (+53.3%)
|
3.76B
est: 2.94B (+28.0%)
|
2.90B
2.82B – 2.98B
-1.3% YoY
|
3.04B
2.98B – 3.13B
+4.7% YoY
|
3.11B
3.11B – 3.12B
+2.6% YoY
|
| Net Income |
1.26B
est: 929.40M (+35.2%)
|
1.41B
est: 1.35B (+4.0%)
|
1.92B
est: 1.69B (+14.0%)
|
1.60B
est: 1.77B (-9.7%)
|
2.01B
est: 1.88B (+7.2%)
|
1.93B
est: 1.97B (-2.1%)
|
2.22B
est: 2.04B (+9.0%)
|
3.33B
est: 2.44B (+36.3%)
|
3.52B
est: 2.45B (+43.7%)
|
2.26B
2.06B – 2.45B
-7.8% YoY
|
2.39B
2.20B – 2.59B
+6.0% YoY
|
2.47B
2.23B – 2.71B
+3.1% YoY
|
| SGA |
388.00M
est: 310.48M (+25.0%)
|
366.00M
est: 2.13B (-82.9%)
|
370.00M
est: 2.42B (-84.7%)
|
380.00M
est: 1.94B (-80.4%)
|
404.00M
est: 2.06B (-80.4%)
|
88.00M
est: 2.16B (-95.9%)
|
1.42B
est: 442.21M (+222.0%)
|
107.00M
est: 511.59M (-79.1%)
|
117.00M
est: 582.09M (-79.9%)
|
574.40M
558.07M – 590.83M
-1.3% YoY
|
601.54M
590.77M – 619.82M
+4.7% YoY
|
617.19M
616.49M – 617.89M
+2.6% YoY
|
| EPS |
7.92
est: 7.80 (+1.6%)
|
12.22
est: 8.30 (+47.2%)
|
16.49
est: 9.88 (+67.0%)
|
13.67
est: 8.60 (+59.0%)
|
11.96
est: 12.34 (-3.1%)
|
11.36
est: 11.56 (-1.7%)
|
12.98
est: 14.92 (-13.0%)
|
18.94
est: 17.34 (+9.2%)
|
18.19
est: 17.99 (+1.1%)
|
16.66
15.17 – 18.04
-7.4% YoY
|
17.62
16.17 – 19.04
+5.8% YoY
|
18.17
16.39 – 19.91
+3.1% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-08 | B- | 2/5 | 1/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-07 | B- | 2/5 | 1/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-06 | B- | 2/5 | 1/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-05 | B- | 2/5 | 1/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-04 | B- | 2/5 | 1/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-30 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-29 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-28 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-27 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-24 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-23 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-22 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-21 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-20 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-17 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-16 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
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 | RockCreek Global Equality ETF RCGE | 0.49% | 468.2K | 0.95% |
| 2 | Global X - MSCI Norway ETF NORW | 0.45% | 388.3K | 0.50% |
| 3 | iShares MSCI Norway ETF ENOR | 0.45% | 413.4K | 0.53% |
| 4 | WisdomTree Europe SmallCap Dividend UCITS ETF Acc DFEA.L | 0.29% | 268.2K | 0.38% |
| 5 | WisdomTree Europe SmallCap Dividend UCITS ETF WTES.DE | 0.29% | 268.2K | 0.38% |
| 6 | WisdomTree Dynamic International SmallCap Equity ETF DDLS | 0.14% | 615.1K | 0.48% |
| 7 | WisdomTree International SmallCap Dividend Fund DLS | 0.14% | 1.48M | 0.58% |
| 8 | State Street SPDR MSCI Europe Small Cap Value Weighted UCITS ETF EUR Acc ZPRX.DE | 0.06% | 498.8K | 0.30% |
| 9 | iShares MSCI Europe Small-Cap ETF IEUS | 0.06% | 105.9K | 0.41% |
| 10 | Xtrackers MSCI Europe Small Cap UCITS ETF 1C XXSC.L | 0.06% | 1.92M | 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 |
|---|---|---|---|
| Klara-Lise Aasen | Group Chief Executive Officer | 5M | female |
| Geir-Egil Bolstad | Chief Financial Officer | 3M | male |
| Kari Elise Gisnås | Executive Vice President of Retail Division | 3M | female |
| Hans Olav Wedvik | Executive Vice President of Corporate Division | 3M | male |
| Are Jansrud | Chief Risk Officer | 2M | male |
| Magnus Aasen | Managing Director of EiendomsMegler 1 Innlandet AS | 2M | male |
| Christian Fjestad | Acting Executive Vice President for Technology & Development | — | male |
| Johan Overseth Rostoen | Executive Vice President of Operations & Integration | — | male |
| Bjørn-Erik Orskaug | Chief Economist & Head of Investor Relations | — | — |
| Bard Skjørtorp | Executive Vice President of Communication, Marketing & Brand | — | male |
| Runar Hauge | Investor relation | — | 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 SPOL.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.
