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    Banks - Regional
Flekkefjord Sparebank

Flekkefjord Sparebank

FFSB.OL
Flekkefjord SparebankNO flagOslo Stock Exchange
119.96
NOK
+3.38
- -
179.76MMarket Cap
Flekkefjord Sparebank
FFSB.OL
(Oslo Stock Exchange)

Recent

price

119.96

P/E

ratio

- -

div

yld

- -

ROIC.AI

2021
2022
2023
2024
2025
TTM
FRC
97.27
128.87
174.52
207.11
225.49
230.54
Revenue per Share
37.47
40.87
67.64
82.47
84.54
85.18
Basic EPS, GAAP
-39.8
62.27
-233.97
-318.69
-411.64
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
Dividend per Share
583.53
638.93
698.07
100
100.1
100.76
Book Value per Share
650
684.73
824.55
988.41
1,039.65
1,056.97
Tangible Book Value per Share
2
2
2
2
1
1
Basic Weighted Avg Shares
146
193
262
311
338
344
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
Operating Margin (%)
4
7
9
8
10
10
Depreciation Expense
56
61
101
124
127
127
Net Income, GAAP
13.16
17.27
20.59
18.2
20.65
20.32
Effective Tax Rate (%)
38.52
31.71
38.76
39.82
37.49
36.95
Profit Margin (%)
- -
- -
- -
- -
- -
- -
Working Capital
1,272
1,377
1,662
2,066
2,869
3,068
LT Debt
980
1,034
1,244
1,490
1,574
1,594
Total Equity
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
6.69
10.12
20.67
84.46
84.71
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1
1
1
Market Capitalization
184
182
178

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
105
89
95
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
- -
5.64%
Free Cash Flow
- -
- -
29.04%
Net Income, GAAP
- -
- -
2.42%
Sales/Revenue/Turnover
- -
- -
8.77%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
68
71
76
90
311
2025
74
87
85
90
338
2026
83
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
17.93
17.58
21.8
25.16
82.47
2025
19.05
21.19
22.04
22.27
84.54
2026
19.66
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
Flekkefjord Sparebank Flekkefjord Sparebank (FFSB.OL), an independent regional savings bank founded in 1837 and headquartered in Flekkefjord, Norway, provides comprehensive banking, insurance, and investment services to private individuals, small and medium-sized enterprises, and corporate customers primarily in the Lister, Dalane, and Lindesnes regions along Norway's southwest coast, including municipalities such as Flekkefjord, Farsund, Hægebostad, Kvinesdal, Lindesnes, Lund, Lyngdal, Sirdal, and Sokndal. The bank offers a wide range of deposit products including savings accounts, current accounts, association accounts, and other deposit options; lending solutions encompassing mortgage loans, car loans, boat loans, cottage loans, construction loans, consumer loans, installment loans, agricultural loans, liquidity loans with guarantees, leasing facilities, and guarantees; insurance products covering life and health, house and contents, vehicle, travel and leisure, property, and liability; investment services through trading in funds, shares, equity certificates, subscription rights, and ETF/ETNs; as well as mobile banking, online banking, telephone banking, pension services, bank cards, and specialized offerings like Flekkefjord Sparebank UNG for customers aged 18 to 34 with tailored advice and favorable terms. In recent developments, Flekkefjord Sparebank listed equity certificates on Euronext Growth Oslo in May 2024 following a private placement that raised approximately NOK 163 million to support growth and community contributions; entered a strategic partnership with Borea Asset Management as part of the Frendegruppen banking consortium, which acquired a majority stake in Borea in 2024 (completed in the third quarter pending approvals) to expand fund offerings including new equity funds available in its portal from early 2025; and acquired a 60% stake in Regnskap-Service Flekkefjord AS in January 2025 to enhance accounting and financial advisory capabilities for local clients.