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    Major banks
Holand og Setskog Sparebank

Holand og Setskog Sparebank

OOSL:HSPG
126.00
NOK
0.00
(0.00%)
2.74EPS
57.39P/E
108.00MMarket 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
176.73
179.22
180.1
202.29
196.65
215.82
228.93
240.06
240.66
263.37
283.38
283.66
287.26
280.01
Basic EPS, GAAP
39.42
50.23
48.26
81.25
67.65
76.21
81.49
77.15
77.01
68.03
73.85
79.99
68.96
2.74
Free Cash Flow per Basic Share
97.14
71.81
74.51
69.37
-51.41
-473.85
-157.57
-351.23
194.32
2.09
385.59
-807.96
118.52
-79.97
Dividend per Share
5.1
8.83
10.42
5
5
7.5
8
5
7
7
7
7
9
5
Book Value per Share
499.86
547.27
765.58
833.77
821.08
893.52
957.44
1,040.93
1,115.85
1,220.79
1,312.15
1,436.96
1,674.19
1,635.35
Tangible Book Value per Share
499.86
547.27
765.58
833.77
821.08
893.52
924.97
1,011.41
1,089.28
1,208.1
1,299.46
1,436.96
1,674.19
1,635.35
Basic Weighted Avg Shares
1
1
1
1
1
1
1
1
1
1
1
1
1
1
Sales/Revenue/Turnover
122
123
124
139
135
148
157
165
166
181
195
195
198
193
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
2
2
2
2
2
2
2
5
5
5
7
7
10
13
Net Income, GAAP
27
35
33
56
47
52
56
53
53
47
51
55
47
2
Effective Tax Rate (%)
25.52
25.5
27.51
21.74
24.29
22.13
22.07
20.62
20.9
19.29
22.74
21.17
17.78
- -
Profit Margin (%)
22.31
28.03
26.79
40.16
34.4
35.31
35.59
32.14
32
25.83
26.06
28.2
24
0.98
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
1,054
1,132
825
711
821
1,190
1,329
2,130
2,162
2,148
2,318
2,747
3,055
2,970
Total Equity
344
376
527
574
565
615
659
716
768
840
903
988
1,152
1,125
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
1.92
2.38
2.32
4.24
3.49
3.29
2.96
2.2
1.83
1.58
1.64
1.58
1.19
- -
Return on Common Equity (%)
8.18
9.59
7.35
10.16
8.18
8.89
8.8
7.72
7.14
5.82
5.83
5.82
4.43
0.18

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
1
1
1
Market Capitalization
105
109
108

Working Capital

NOK

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
627
481
323
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
8.22%
10.02%
16.51%
Free Cash Flow
1,832.55%
3,525.74%
-114.67%
Net Income, GAAP
5.71%
-1.75%
-13.79%
Sales/Revenue/Turnover
4.89%
3.73%
1.27%
Total Cash Common Dividend
- -
- -
28.58%

Quarterly Revenue

NOK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
43
53
49
51
195
2025
42
58
45
50
198
2026
40
57
- -
- -
- -

Quarterly Earnings Per Share

NOK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
18.15
12.92
24.99
23.92
79.99
2025
16.8
27.61
9.16
15.39
68.96
2026
8.62
-30.44
- -
- -
- -

Quarterly Dividends Per Share

NOK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
7
- -
- -
- -
7
2025
- -
- -
- -
- -
9
2026
5
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
John Sigurd Bjørknes
Full Time Employees
42
Sector
Finance
Industry
Major banks
Address
Bjørkeveien 20B Bjorkelangen AK Norway 1940
IPO Date
Jan 1, 1999
Website
hsbank.no
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Business
Høland og Setskog Sparebank delivers a broad spectrum of financial services to both individual and corporate clients within Norway, primarily focusing on its local market in the Aurskog-Høland region of Akershus county. The institution offers a comprehensive suite of products, including various deposit and savings accounts, a wide array of lending solutions such as mortgages and business loans, alongside digital banking capabilities and investment guidance. Additionally, the bank provides a full range of insurance offerings for personal and commercial needs. Established in 1849 as Høland Præstegjelds Sparebank, the entity adopted its current name, Høland og Setskog Sparebank, in 2010. The bank maintains its headquarters in Bjørkelangen, Norway.