Nidaros Sparebank

Nidaros Sparebank

OOSL:NISB
105.98
NOK
+2.46
(+2.38%)
35.67EPS
2.92P/E
117.37MMarket Cap
Dec 02Next Earn
Nidaros Sparebank
OSL:NISB
(Euronext Oslo)

Recent

price

105.98

P/E

ratio

2.92

div

yld

- -

ROIC.AI

2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
NOK
61.07
74.14
75.77
88.64
84.11
84.37
90.64
114.56
122.51
124.62
134.25
Revenue per Share
14.08
18.05
21
27.47
24.55
24.65
24.1
29.65
31.01
38.51
35.67
Basic EPS, GAAP
7.15
-229.17
38.55
-98.84
106.15
-98.32
87.44
15.57
48.82
82.07
- -
Free Cash Flow per Basic Share
1.61
1.61
2.72
3.51
- -
5.48
5.87
8.62
5.67
5.87
- -
Dividend per Share
247.15
297.57
313.65
373.71
454.59
472.67
488.33
501.01
538.96
562.61
563.46
Book Value per Share
245.31
295.4
311.23
373.71
454.59
472.67
488.33
501.01
538.96
562.61
563.46
Tangible Book Value per Share
1
1
1
1
1
1
1
1
1
1
1
Basic Weighted Avg Shares
69
84
85
100
95
95
102
129
138
141
152
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
2
2
2
1
2
3
4
3
4
- -
Depreciation Expense
16
20
24
31
28
28
27
33
35
43
40
Net Income, GAAP
22.57
23.43
23.55
25.43
19.77
21.31
20.83
21.13
19.11
19.03
18.08
Effective Tax Rate (%)
23.05
24.34
27.71
30.99
29.19
29.22
26.59
25.88
25.31
30.9
26.57
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
537
787
792
860
817
859
992
1,051
971
1,041
896
LT Debt
279
336
354
422
513
533
551
565
608
635
636
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
2.1
2.09
2.55
2.12
2.04
1.85
2.11
2.19
2.67
2.5
Return on Capital (%)
- -
6.63
6.87
7.98
5.92
5.31
5
5.98
5.96
6.99
6.43
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
1
1
1
Market Capitalization
118
120
117

Working Capital

NOK

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
59
54
53
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
- -
4.39%
4.39%
Free Cash Flow
- -
-36.27%
68.13%
Net Income, GAAP
- -
10.04%
24.19%
Sales/Revenue/Turnover
- -
8.61%
1.73%
Total Cash Common Dividend
- -
- -
3.53%

Quarterly Revenue

NOK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
35
32
34
37
138
2025
35
33
37
36
141
2026
37
41
- -
- -
- -

Quarterly Earnings Per Share

NOK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
10.9
6.88
5.06
8.17
31.01
2025
9.21
7.25
8.88
13.17
38.51
2026
4.95
8.67
- -
- -
- -

Quarterly Dividends Per Share

NOK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
5.67
2025
- -
- -
- -
- -
5.87
2026
- -
- -
- -
- -
- -
Business
Nidaros Sparebank is a Norwegian independent savings bank providing retail, commercial, and wealth management financial services primarily to individual clients, small and medium-sized enterprises (SMEs), agricultural businesses, and local organizations across the Trøndelag region in central Norway. Founded in 1857 as Klæbo Prestegjæld Sparebank (later Klæbu Sparebank) and headquartered in Klæbu, Norway, with additional operational offices in Trondheim, the bank operates as an independent regional financial institution whose equity certificates are publicly listed on Euronext Oslo Børs under the ticker symbol NISB. The bank offers a comprehensive suite of financial products and advisory services structured across personal and corporate banking divisions. Its core retail banking portfolio includes deposit and liquidity management products comprising checking accounts, high-yield savings accounts, youth savings programs, and fixed-term deposits; lending solutions comprising residential mortgages, green home loans, home equity credit lines, vehicle loans, personal consumer financing, and credit cards; wealth management and investment services comprising domestic and international mutual funds, individual pension savings (IPS) accounts, and securities brokerage provided in partnership with Norne Securities; and retail insurance coverage comprising life, disability, critical illness, health, home, property, motor, and travel insurance distributed in partnership with Frende Forsikring. Its commercial banking operations encompass business operating credit facilities, commercial real estate loans, construction financing, and liquidity management solutions; commercial leasing, equipment financing, and factoring solutions provided through Brage Finans; mandatory and supplementary occupational pension schemes; and commercial property, liability, and agricultural insurance products. In addition, the bank delivers digital banking capabilities including internet banking, mobile banking applications, electronic invoicing, automated payment processing, and Vipps payment integration. In recent strategic developments, Nidaros Sparebank entered into a formal letter of intent in September 2026 to merge with Stadsbygd Sparebank, aiming to create a larger, highly competitive regional savings bank across the Trøndelag market. In 2025, the bank expanded its operational footprint and balance sheet by acquiring the customer, deposit, and loan portfolios of Personellservice Trøndelag (PT), integrating approximately NOK 1.6 billion in deposits and NOK 200 million in loan assets. These initiatives build upon the bank's strategic repositioning from the Eika Alliance to the independent LOKALBANK alliance, through which it collaborates with peer savings banks on joint technological infrastructure, core banking modernization powered by Tietoevry, and mortgage refinancing through covered bond issuer Verd Boligkreditt AS.