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    Savings banks
SpareBank 1 SMN

SpareBank 1 SMN

214.53
NOK
-2.42
(-1.12%)
26.99BMarket Cap
Oct 29Next Earn
SpareBank 1 SMN
IOB:0IVM
(London Stock Exchange (International))

Recent

price

214.53

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
NOK
22.25
24.1
21.73
24.88
26.9
26.39
31.84
35.15
38.04
40.93
42.87
39.28
41.15
52.27
54.58
55.84
- -
Revenue per Share
9.82
9.81
8.23
10.71
13.65
10.86
12.66
13.87
15.89
19.36
14.32
21.2
20.53
26.17
31.11
29.68
- -
Basic EPS, GAAP
-23.3
4.97
-20.23
1.16
11.14
-18.49
-26.53
-12.58
-30.17
32.12
40.29
-15.23
-67.64
57.35
6.08
68.67
- -
Free Cash Flow per Basic Share
1.67
2.75
1.46
1.5
1.75
2.25
2.25
3.01
4.41
5.1
5
4.4
7.5
6.08
12
12.5
- -
Dividend per Share
74.81
78.49
77.15
86.07
95.92
104.64
121.9
130.52
139.01
152.04
158.21
171.98
184.17
193.68
205.97
216.11
209.03
Book Value per Share
70.37
73.95
73.43
82.26
91.87
100.57
116.98
124.41
132.45
145.29
151.22
165.39
179.04
185.16
197.44
207.44
199.45
Tangible Book Value per Share
104
104
130
130
130
130
130
129
129
129
129
129
129
138
144
144
144
Basic Weighted Avg Shares
2,305
2,497
2,821
3,230
3,492
3,426
4,124
4,551
4,923
5,300
5,546
5,081
5,321
7,219
7,870
8,051
- -
Sales/Revenue/Turnover
61.39
- -
48.03
54.46
61.37
51.84
48.08
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
47
88
102
118
109
104
98
102
98
172
166
186
117
153
183
187
- -
Depreciation Expense
1,017
1,016
1,068
1,390
1,772
1,410
1,640
1,796
2,056
2,507
1,852
2,742
2,655
3,614
4,485
4,279
- -
Net Income, GAAP
20.28
20.63
21.77
22.07
16.89
20.83
17.35
19.75
20.78
16.81
16.88
17.24
21.6
20.16
18.66
19.67
- -
Effective Tax Rate (%)
44.12
40.69
37.86
43.03
50.74
41.16
39.77
39.46
41.76
47.3
33.39
53.97
49.9
50.06
56.99
53.15
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
30,964
30,838
33,459
37,478
36,446
38,808
38,782
44,644
47,442
45,874
44,836
43,039
50,144
48,476
53,368
48,147
55,183
LT Debt
7,846
8,267
10,083
11,242
12,525
13,903
16,252
17,511
18,685
20,420
21,309
23,241
24,807
28,595
30,524
31,866
30,813
Total Equity
3.09
- -
2.55
2.93
3.56
2.74
2.93
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
2.79
2.59
2.56
2.99
3.61
2.78
2.97
3.01
3.15
3.7
2.61
3.9
3.58
4.66
5.44
5.11
- -
Return on Capital (%)
14.64
12.8
11.77
13.12
15
10.83
11.15
10.96
11.75
13.3
9.23
12.84
11.53
13.97
15.56
14.06
- -
Return on Common Equity (%)

Capital Structure

NOK

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
144
144
144
Market Capitalization
29,562
29,205
26,990

Working Capital

NOK

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
56
8,648
4,355
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

NOK

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
8.72%
8.45%
4.4%
Free Cash Flow
90.47%
191.16%
1,029.08%
Net Income, GAAP
13.66%
20.1%
-4.59%
Sales/Revenue/Turnover
9.45%
8.67%
2.3%
Total Cash Common Dividend
- -
31.04%
4.22%

Quarterly Revenue

NOK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1,971
1,995
1,895
2,009
7,870
2025
1,971
2,103
- -
1,977
8,051
2026
1,862
2,008
- -
- -
- -

Quarterly Earnings Per Share

NOK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
7.35
6.83
9.84
7.08
31.11
2025
6.82
7.68
- -
7.18
29.68
2026
5.77
7.98
- -
- -
- -

Quarterly Dividends Per Share

NOK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
12
2025
12.51
- -
- -
- -
12.5
2026
- -
- -
- -
- -
- -
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Business
SpareBank 1 SMN (MING.OL) operates as a regional savings bank in Norway, providing a comprehensive range of financial services to private and corporate customers in the central region. The bank offers retail banking products including savings accounts, consumer loans, mortgages, and payment services; corporate banking solutions such as business loans, leasing, factoring, and treasury management; wealth management services encompassing investment advisory, portfolio management, and insurance products; and digital banking platforms for online and mobile transactions. It also provides real estate brokerage through its subsidiary SpareBank 1 Eiendomsmegling and credit card services in partnership with other SpareBank 1 alliance members. Founded in 1822 and headquartered in Trondheim, Norway, SpareBank 1 SMN serves primarily customers in Trøndelag and surrounding areas, with operations extending through its network of branches and digital channels across Norway. As part of the SpareBank 1 banking alliance, it collaborates with other regional banks to offer nationwide services while maintaining a strong local focus on SMEs, agriculture, real estate, and public sector clients. In recent developments, SpareBank 1 SMN strengthened its position through a strategic partnership with the SpareBank 1 alliance to enhance digital transformation initiatives, including the launch of upgraded mobile banking apps in 2024. The bank completed a minor acquisition of a local financial advisory firm in mid-2024 to expand its wealth management offerings, and announced expansion into sustainable financing products targeting green energy projects in 2025. These moves reflect ongoing efforts to adapt to regulatory changes and growing demand for ESG-focused services in the Nordic market.

Company News

Company News APIChatGPT

  • defenseworld.net

    SpareBank 1 SMN (OTCMKTS:SRMGF) Sees Significant Drop in Short Interest