1. Norway Stocks

  2. •

    Finance

  3. •

    Major banks
SpareBank 1 Nord-Norge

SpareBank 1 Nord-Norge

175.28
NOK
-1.19
(-0.67%)
25.19EPS
6.15P/E
15.37BMarket Cap
Oct 29Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
22.5
25.31
22.86
27
29.05
30.3
33.38
35.37
37.6
38.45
52.97
57.76
58.88
43.39
Basic EPS, GAAP
9.62
10.92
8.69
12.48
14.34
15.36
20.54
17.35
22.74
18.17
25.11
36.16
34.07
24.9
Free Cash Flow per Basic Share
0.45
-16.93
-19.55
4.8
-13.85
9.98
-15.87
20.04
27.68
29.3
16.43
35.57
20.49
49.56
Dividend per Share
- -
- -
- -
- -
- -
- -
8.64
8.64
8.42
17.77
15.82
19.25
19
27
Book Value per Share
84.45
92.91
99.22
109.67
122.5
130.06
141.16
149.62
163.91
156.3
168.78
189.86
204.4
202.13
Tangible Book Value per Share
83.65
92.3
98.71
109.05
121.83
129.12
140.11
148.5
162.75
155.12
166.86
187.58
202
199.76
Basic Weighted Avg Shares
100
100
100
100
100
100
100
100
100
100
100
100
100
131
Sales/Revenue/Turnover
2,259
2,541
2,295
2,711
2,917
3,042
3,351
3,551
3,775
3,860
5,318
5,799
5,911
5,699
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
56
97
56
60
65
61
120
109
104
92
88
84
92
104
Net Income, GAAP
966
1,096
872
1,253
1,440
1,542
2,062
1,742
2,283
1,824
2,521
3,630
3,421
3,270
Effective Tax Rate (%)
18.12
16.58
15.78
18.85
18.37
19.48
16.54
17.13
17.86
21.7
22.15
18.82
19.21
20.05
Profit Margin (%)
42.76
43.13
38
46.22
49.37
50.69
61.53
49.06
60.48
47.25
47.41
62.6
57.88
57.38
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
17,786
22,664
22,820
22,515
24,402
26,335
26,258
24,660
22,484
21,453
23,900
24,340
25,173
23,225
Total Equity
8,502
9,343
9,961
11,011
12,299
13,058
14,172
15,022
16,653
15,923
17,190
19,339
20,839
20,609
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
3.73
3.76
2.71
3.78
4.1
4.05
5.17
4.35
5.76
4.7
6.36
8.49
7.55
7.3
Return on Common Equity (%)
12.6
12.31
9.04
11.95
12.36
12.16
15.15
11.93
14.51
11.35
15.45
20.16
17.29
16.29

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
100
100
100
Market Capitalization
15,212
15,775
15,369

Working Capital

NOK

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,076
959
727
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
7.76%
6.94%
7.76%
Free Cash Flow
-109.64%
14.82%
-42.4%
Net Income, GAAP
17.13%
17.48%
-5.76%
Sales/Revenue/Turnover
10.34%
11.46%
1.93%
Total Cash Common Dividend
- -
23.61%
-1.29%

Quarterly Revenue

NOK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1,371
1,417
1,492
1,573
5,799
2025
1,478
1,533
- -
1,444
5,911
2026
1,345
1,377
- -
- -
- -

Quarterly Earnings Per Share

NOK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
7.02
7.39
13.3
8.45
36.16
2025
7.98
9.34
- -
7.86
34.07
2026
7.06
3.72
- -
- -
- -

Quarterly Dividends Per Share

NOK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
7.78
7.02
0.64
3.81
19.25
2025
1.12
16.28
- -
1.09
19
2026
9.75
3.68
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Hanne Karoline Kræmer
Full Time Employees
1,025
Sector
Finance
Industry
Major banks
Address
Storgata 65 Tromsø Norway 9008
IPO Date
May 2, 1994
Website
sparebank1.no
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Business
SpareBank 1 Nord-Norge, a leading regional savings bank in Northern Norway, provides comprehensive financial services including payments, savings accounts, loans, insurance, pensions, debit and credit cards, bank guarantees, letters of credit, foreign currency accounts, factoring, lease financing, cash management, and real estate brokerage through subsidiaries such as SpareBank 1 Regnskapshuset Nord-Norge, SpareBank 1 Finans Nord-Norge, and Eiendomsmegler 1 Nord-Norge; it operates via Retail Market and Corporate Market segments targeting private individuals, small and medium-sized enterprises, and institutional clients with a focus on sectors like aquaculture, fishing, tourism, and high-tech. Founded in 1836 through the establishment of Tromsø Sparebank and subsequent mergers—including key consolidations in the 1960s-1980s and 1988-1992 to form the current entity—the bank maintains its headquarters in Tromsø and serves approximately 270,000 retail and 40,000 corporate customers across 38 offices in 36 municipalities in Nordland, Troms, Finnmark, and Svalbard, plus digital channels. As a founding member of the SpareBank 1 alliance with a 19.5% ownership stake, it benefits from shared product offerings and recently holds a 14.5% share in SpareBank 1 Markets following its 2025 expansion into a Nordic investment bank via partnership with Swedbank, incorporating corporate finance, high-yield debt, equity research, and sales services. In 2024, the bank executed major organizational changes effective January 2025, streamlining from seven to six business units and executive management positions to enhance execution in business and risk management, customer value, and development efficiency; launched the GENI simplification project targeting cost control through 2027 by replacing only 80% of turnover and adopted new core values of genuine, close, and simple; and reported record profitability with a 21.8% return on equity, driven by strong net interest income, alliance contributions including a MNOK 452 gain from the Fremtind-Eika merger, and a MNOK 176 accounting gain from liquidating its pension fund ahead of transfer to SpareBank 1 Insurance.