1. Norway Stocks

  2. •

    Finance

  3. •

    Regional banks
Sparebanken Ost

Sparebanken Ost

73.00
NOK
+0.81
(+1.12%)
24.67EPS
3.03P/E
1.53BMarket Cap
Oct 28Next Earn
Sparebanken Ost
LSE:0G45
(London Stock Exchange)

Recent

price

73.00

P/E

ratio

3.03

div

yld

40.25%

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
NOK
34.92
25.01
32.69
33.71
41.14
31.2
34.65
35.29
36.54
34.8
40.73
36.69
33.69
44.22
50.15
45.83
48.55
Revenue per Share
14.73
7.51
12.65
13.64
20.68
12.35
15.98
16.03
17.49
15.03
21.09
17.43
13.4
19.84
23.78
23.84
24.33
Basic EPS, GAAP
-91.63
-109.37
68.14
-52.59
-114.84
1.79
-24.92
-56.26
-169.66
-24.42
-38.05
-73.23
120.01
-31.98
29.63
4.63
32.99
Free Cash Flow per Basic Share
4
5
2
3
3
5
3.3
4
5
4.6
3.6
4.5
3.85
5.33
33.23
23.25
29.39
Dividend per Share
90.02
92.03
102.87
121.94
133.41
142.35
153.2
180.21
190.25
199.77
214.26
226.39
231.16
237.01
242.24
243.22
228.34
Book Value per Share
89.41
91.57
102.87
121.94
133.41
142.35
153.2
180.21
190.25
199.77
214.26
224.84
229.53
235.42
240.59
241.74
226.86
Tangible Book Value per Share
21
21
21
21
21
21
21
21
21
21
21
21
21
21
21
21
21
Basic Weighted Avg Shares
724
519
678
699
853
647
718
732
758
721
844
761
698
917
1,040
950
1,006
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
13
12
17
18
20
18
29
18
14
26
27
28
27
29
27
30
31
Depreciation Expense
305
156
262
283
429
256
331
332
363
312
437
361
278
411
493
494
504
Net Income, GAAP
19.72
26.03
27.06
27.31
19.58
24.64
22.51
23.19
17.01
22.48
15.07
17.44
22.39
21.92
21.45
19.35
18.57
Effective Tax Rate (%)
42.17
30.03
38.7
40.45
50.27
39.57
46.1
45.43
47.85
43.18
51.78
47.51
39.76
44.87
47.41
52.03
50.12
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
599
15,386
14,614
15,020
18,253
17,908
18,318
18,580
22,371
22,712
23,556
25,127
22,735
23,611
23,867
23,366
22,864
LT Debt
1,866
1,908
2,133
2,528
2,766
2,951
3,176
3,736
3,944
4,142
4,442
4,693
4,792
4,914
5,022
5,042
4,734
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
12.96
1.58
1.54
1.65
2.22
1.22
1.56
1.52
1.49
1.17
1.59
1.25
0.97
1.47
1.72
1.73
1.77
Return on Capital (%)
17.69
8.25
12.98
12.13
16.2
8.96
10.81
9.62
9.44
7.7
10.19
7.91
5.86
8.48
9.92
9.82
10.74
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
21
21
21
Market Capitalization
1,622
1,596
1,530

Working Capital

NOK

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
256
445
658
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
5.6%
2.58%
0.4%
Free Cash Flow
-176.66%
-115.02%
-84.39%
Net Income, GAAP
9.28%
5.55%
0.28%
Sales/Revenue/Turnover
4.67%
3.59%
-8.62%
Total Cash Common Dividend
52.5%
108.51%
-30.04%

Quarterly Revenue

NOK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
282
254
261
242
1,040
2025
240
330
- -
225
950
2026
220
231
- -
- -
- -

Quarterly Earnings Per Share

NOK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
7.16
6.44
5.86
5.06
23.78
2025
5.18
10.07
- -
4.35
23.84
2026
4.47
5.45
- -
- -
- -

Quarterly Dividends Per Share

NOK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.21
6.02
26.55
0.45
33.23
2025
15.5
6.82
- -
0.51
23.25
2026
14.72
7.34
- -
- -
- -
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Business
Sparebanken Øst Sparebanken Øst (SPOG.OL) operates as a regional savings bank focused on retail and corporate banking services in eastern Norway. The bank provides a range of financial products including savings accounts, retirement savings, guardianship accounts, and deposit accounts; car loans, home and green mortgage loans, framework loans, and refinancing services; mortgage loans for new and used cars; payment services, pension funds, life and non-life insurance; shares and funds trading, investment banking services; and placement and payment processing services. It serves private individuals and small to medium-sized enterprises primarily in the Oslo-Akershus, Nedre Buskerud, and Kongsberg regions through physical branches, digital portals, and brands such as DinBank.no, Topprente.no, Boligkreditt.no, Youngbank.no, Nybygger.no, and AS Financiering. The group includes subsidiaries AS Financiering for car financing and leasing, Sparebanken Øst Eiendom AS for property management, and Sparebanken Øst Boligkreditt AS for covered bonds. Sparebanken Øst traces its origins to 1843 and maintains headquarters in Drammen, Norway. In recent developments, Sparebanken Øst reports continued deposit growth to 17.5 billion Norwegian kroner in Q2 2025, up 2.9% quarter-over-quarter, alongside stable lending volumes at 36.7 billion kroner and improved cost efficiency with operating costs at 25.6% of income. The bank lowered lending and deposit rates in June 2025 and invited stakeholders to a financial presentation in late June 2025, reflecting ongoing profitability enhancements including a return target increase to 10% from 2024. It maintains a competitive stance in the mortgage market amid national credit trends and anticipates influences from salary increases and rising IT costs on future expenses.