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    Regional banks
SpareBank 1 Ringerike Hadeland

SpareBank 1 Ringerike Hadeland

447.00
NOK
-3.00
(-0.67%)
51.77EPS
8.55P/E
6.93BMarket Cap
Oct 30Next Earn
SpareBank 1 Ringerike Hadeland
LSE:0N01
(London Stock Exchange)

Recent

price

447.00

P/E

ratio

8.55

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
NOK
44.95
30.13
32.5
37.27
40.08
40.09
48.68
43
46.2
48.49
46.65
51.77
55.52
67.55
80.88
87.6
92.4
Revenue per Share
27.05
10.66
11.98
16.14
19.92
15.6
22.51
20.51
21.1
26.45
22.77
27.72
25.32
28.68
44
47
51.77
Basic EPS, GAAP
-91.56
1.42
0.35
19.19
5.43
45.67
-76.39
20.48
-5.11
1.74
4.1
33.72
9.45
19.3
92.56
65.63
68.15
Free Cash Flow per Basic Share
- -
- -
8.05
8.06
8.64
10.09
7.8
10.11
10.3
10.57
13.3
11.39
15.65
13.14
20.13
30.86
- -
Dividend per Share
159.76
160.67
165.8
175.01
182.45
192.6
207.14
214.83
226
241.78
251.43
267.15
276.29
303.76
339.13
353.6
331.62
Book Value per Share
156.04
157.49
163.05
172.68
180.44
187.69
202.49
210.79
221.95
237.76
247.47
263.19
272.64
299.41
334.76
349.39
327.4
Tangible Book Value per Share
14
14
14
14
14
14
14
16
16
16
16
16
17
16
16
16
15
Basic Weighted Avg Shares
649
434
468
537
578
575
698
691
743
780
751
832
922
1,085
1,294
1,368
1,410
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
58.93
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
9
15
15
17
17
17
14
11
8
12
13
13
11
11
12
15
18
Depreciation Expense
391
154
173
233
287
224
323
330
339
426
367
446
421
461
704
734
790
Net Income, GAAP
7.61
18.87
21.47
20.7
19.92
21.54
20.57
19.82
19.73
17.79
19.34
20.07
21.31
24.51
19.7
18.9
17.64
Effective Tax Rate (%)
60.18
35.39
36.85
43.31
49.72
38.92
46.24
47.7
45.67
54.55
48.81
53.55
45.61
42.46
54.4
53.65
56.03
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
4,014
4,300
4,657
4,644
4,736
4,391
5,683
5,250
5,588
5,590
5,887
5,503
5,800
5,728
4,863
4,391
4,442
LT Debt
2,240
2,253
2,326
2,454
2,558
2,701
2,907
3,367
3,541
3,785
3,936
4,182
4,325
4,754
5,282
5,534
5,190
Total Equity
- -
- -
- -
- -
- -
- -
4.17
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
8.67
2.34
2.53
3.29
3.97
3.08
4.07
3.81
3.8
4.59
3.81
4.56
4.24
4.47
6.83
7.31
8.29
Return on Capital (%)
24.32
6.85
7.55
9.75
11.47
8.52
11.54
10.53
9.84
11.62
9.5
10.98
9.89
10.15
14.03
13.57
15.58
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
16
16
16
Market Capitalization
6,448
6,915
6,925

Working Capital

NOK

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
102
106
103
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
7.5%
7.09%
4.77%
Free Cash Flow
57.37%
218.92%
-30.79%
Net Income, GAAP
14.34%
16.52%
4.26%
Sales/Revenue/Turnover
9.34%
12.85%
5.72%
Total Cash Common Dividend
16.4%
22.21%
49.69%

Quarterly Revenue

NOK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
311
305
367
309
1,294
2025
313
410
- -
331
1,368
2026
316
353
- -
- -
- -

Quarterly Earnings Per Share

NOK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
9.01
9.25
16.63
10.8
44
2025
9.94
16.06
- -
11.7
47
2026
11.04
12.99
- -
- -
- -

Quarterly Dividends Per Share

NOK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
20.13
2025
32.37
- -
- -
- -
30.86
2026
- -
- -
- -
- -
- -
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Business
SpareBank 1 Ringerike Hadeland, a Norwegian savings bank headquartered in Hønefoss, provides a comprehensive range of banking products and services to private individuals, self-employed persons, small and medium-sized enterprises, agricultural customers, and corporate clients primarily in the Ringerike and Hadeland regions of Buskerud and Oppland counties. The bank offers deposit products including savings, current, deposit, and currency accounts; lending solutions such as car, consumer, vehicle, transfer, business, construction, mortgage, and refinancing loans, alongside specialized financing like agricultural operating credit, factoring, overdraft facilities, leasing, and bank guarantees; insurance coverage encompassing car, home, personal, pet, vehicle and machinery, travel, employee, farm, agricultural, and other policies; pension products; savings and investment options; debit and credit cards; mobile and online banking services; as well as real estate brokerage, consulting, and accounting services. Founded in 1833 through the establishment of Ringerikes Sparebank and operating as a member of the SpareBank 1 Alliance since its formal creation in 2010, the bank employs approximately 250 staff and maintains a regional focus while leveraging alliance resources for broader financial solutions. In recent developments, SpareBank 1 Ringerike Hadeland reported a 36% profit growth for the first half of 2025 with profit after tax reaching 391 million NOK and return on equity at 15.8%, alongside a September 2025 interest rate reduction of up to 0.25% on loans and deposits effective for new loans from September 22 and existing ones from November 29; the bank also welcomed new board directors Jens Bjørn Staff in 2025 and Terje Mjos in 2024, reflecting ongoing governance enhancements amid strong financial performance.