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    Finance

  3. •

    Savings banks
SpareBank 1 Ostfold Akershus

SpareBank 1 Ostfold Akershus

455.95
NOK
0.00
(0.00%)
44.86EPS
10.32P/E
5.74BMarket Cap
Nov 03Next 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
53.62
64.18
53.34
59.16
55.7
56.66
58.36
60.7
65.54
76.28
90.16
95.65
99.61
93.18
Basic EPS, GAAP
16.71
23.67
20.66
29.47
27.79
28.92
32.61
29.79
35.76
36.49
39.79
52.55
53.03
44.86
Free Cash Flow per Basic Share
18.9
47.99
-45.1
21.75
-30.52
-26.08
43.75
64.41
58.84
24.22
26.96
-40.68
57.8
36.17
Dividend per Share
4.03
3.58
4.15
4.19
7.76
9.93
15.58
12.83
7.51
17.27
19.05
23.17
- -
23.57
Book Value per Share
172.03
189.08
199.71
237.49
250.12
268.77
285.35
301.87
329.11
347.21
364.9
406.68
425.25
423.56
Tangible Book Value per Share
169.8
187.24
198.46
236.59
249.62
268.59
285.35
301.87
329.11
347.21
362.08
404.01
422.67
420.66
Basic Weighted Avg Shares
10
9
11
11
12
12
12
12
12
12
12
12
12
14
Sales/Revenue/Turnover
551
596
570
667
643
702
723
752
812
945
1,117
1,185
1,234
1,265
Operating Margin (%)
- -
- -
- -
60.63
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
18
24
13
13
12
12
22
20
20
22
33
24
19
17
Net Income, GAAP
172
220
221
332
321
358
404
369
443
452
493
651
657
609
Effective Tax Rate (%)
22.76
17.03
21.74
18.73
20.05
18.05
17.59
18.9
19.31
20.28
22.36
17.99
17.67
17.54
Profit Margin (%)
31.16
36.88
38.74
49.81
49.88
51.04
55.88
49.07
54.56
47.83
44.14
54.94
53.24
48.14
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
4,795
4,033
4,339
4,433
4,712
5,358
4,837
4,882
4,291
3,909
4,370
4,894
4,797
5,098
Total Equity
1,676
1,842
2,246
2,670
3,096
3,330
3,535
3,739
4,077
4,301
4,520
5,038
5,268
5,247
Return on Invested Capital (%)
- -
- -
- -
4.76
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
2.81
3.56
3.55
4.85
4.3
4.34
4.74
4.34
5.22
5.45
5.77
6.92
6.57
5.93
Return on Common Equity (%)
10.72
12.5
10.81
13.51
11.13
11.15
11.77
10.15
11.34
10.79
11.18
13.62
12.75
11.75

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
12
12
12
Market Capitalization
5,785
5,611
5,736

Working Capital

NOK

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
98
103
112
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
9%
7.13%
4.57%
Free Cash Flow
-117.26%
-109.83%
-242.06%
Net Income, GAAP
12.68%
12.82%
0.92%
Sales/Revenue/Turnover
8.23%
10.56%
4.14%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

NOK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
298
297
292
302
1,185
2025
289
336
310
297
1,234
2026
308
350
- -
- -
- -

Quarterly Earnings Per Share

NOK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
11.01
9.87
18.88
9.41
52.55
2025
8.1
17.78
11.78
10.77
53.03
2026
9.04
13.3
- -
- -
- -

Quarterly Dividends Per Share

NOK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.23
20.64
0.3
0.45
23.17
2025
0.28
17.93
1.2
- -
- -
2026
0.29
21.8
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Arild Bjørn Hansen
Full Time Employees
297
Sector
Finance
Industry
Savings banks
Address
Varnaveien 43E Moss OE Norway 1526
IPO Date
Oct 10, 2005
Website
sparebank1.no
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Business
SpareBank 1 Østfold Akershus SpareBank 1 Østfold Akershus operates as a regional savings bank offering a comprehensive range of banking, lending, savings, insurance, and related financial services primarily to retail and corporate customers in Østfold county and southern Akershus county, south-eastern Norway; core products and services include savings accounts, funds, children's savings, retirement savings, and stock investment products; mortgage loans, car loans, consumer loans, vehicle loans, green loans, and refinancing for mortgages and consumer debt; business financing such as overdrafts, leasing, business loans, bank guarantees, construction loans, growth guarantees, agricultural operating credit, factoring, and invoice sales; pension products; insurances covering car, home, personal, pet, vehicle, travel, machinery, building, employee, farm, and agricultural risks; property services; mobile and online banking; bank and credit cards; and payment and transfer services. Founded in 1835 and headquartered in Moss, Norway, with eight branches and approximately 292 employees, the bank is a member of the SpareBank 1 Alliance, enabling collaborative product development and economies of scale across Norway's second-largest financial group. Recent developments include strong risk-adjusted earnings of 3.7% in the first nine months of 2025, as affirmed by Nordic Credit Rating with a stable outlook adjustment, alongside participation in the SpareBank 1 Alliance's March 2025 strategic expansion with Swedbank to establish a jointly owned Nordic investment bank enhancing equity research, sales, and corporate finance capabilities.