Tinde Sparebank

Tinde Sparebank

OOSL:TINDE
110.50
NOK
0.00
(0.00%)
14.51EPS
7.85P/E
620.76MMarket Cap
Dec 02Next Earn
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
63.7
64.68
70.51
81
80.91
95.67
113.39
89.22
69.05
81.52
Basic EPS, GAAP
16.94
13.17
19.93
16.41
26.1
30.8
34.68
28.65
15.28
14.51
Free Cash Flow per Basic Share
25.65
-99.96
-44.96
-23.69
106.45
-5.09
-106.58
20.09
-89.25
- -
Dividend per Share
3.53
4.15
3.39
6.73
3.25
8
8.65
5.38
4.6
- -
Book Value per Share
248.24
260.16
272.78
375.98
396.92
437.09
467.17
386.42
389.39
389.33
Tangible Book Value per Share
247.13
259.71
272.78
375.98
396.92
437.09
467.17
386.42
371.08
371.19
Basic Weighted Avg Shares
2
2
2
2
2
2
2
3
5
5
Sales/Revenue/Turnover
129
131
143
149
164
188
223
249
376
444
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
3
3
3
4
4
4
5
5
9
13
Net Income, GAAP
34
27
40
30
53
61
68
80
83
79
Effective Tax Rate (%)
22.36
20.37
22.61
18.97
21.49
19.28
18.51
20.15
16.83
14.25
Profit Margin (%)
26.6
20.36
28.27
20.26
32.26
32.19
30.59
32.11
22.13
17.8
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
891
1,005
1,259
1,264
1,023
1,039
1,290
1,267
2,771
2,737
Total Equity
504
528
554
763
806
887
948
1,077
2,122
2,122
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
1.83
2.42
1.57
2.75
3.22
3.27
3.48
2.3
1.72
Return on Common Equity (%)
- -
5.18
7.48
4.58
6.75
7.15
7.43
7.88
5.21
3.81

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
5
5
5
Market Capitalization
665
627
621

Working Capital

NOK

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
80
84
83
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
- -
26.64%
97.05%
Free Cash Flow
- -
39.39%
-968.88%
Net Income, GAAP
- -
24.84%
4.34%
Sales/Revenue/Turnover
- -
21.28%
51.34%
Total Cash Common Dividend
- -
31.05%
67.33%

Quarterly Revenue

NOK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
53
64
61
63
249
2025
61
91
111
113
376
2026
101
119
- -
- -
- -

Quarterly Earnings Per Share

NOK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
8.53
10.93
6.45
5.1
28.65
2025
6.22
4.74
4.14
3.23
15.28
2026
2.02
5.14
- -
- -
- -

Quarterly Dividends Per Share

NOK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
5.38
2025
- -
- -
- -
- -
4.6
2026
- -
- -
- -
- -
- -

Company Description

Full Time Employees
105
Sector
Finance
Industry
Regional banks
Address
Elnesvagen Norway
IPO Date
Apr 24, 2020
Website
tinde.no
Business
Tinde Sparebank is an independent Norwegian financial services institution that provides a comprehensive range of retail and commercial banking, insurance, asset management, and real estate brokerage services to private individuals, agricultural clients, and small to medium-sized enterprises (SMEs) primarily in the Møre og Romsdal region of Norway. Tracing its historical roots to predecessor institutions established in 1892 (Sunndal Sparebank) and 1971 (Romsdalsbanken), the bank is headquartered in Elnesvågen, Norway, and maintains an extensive regional branch network across Elnesvågen, Molde, Sunndalsøra, Kristiansund, Surnadal, Vestnes, Åndalsnes, Ålesund, and Eidsvåg. The bank operates across two principal segments: Retail Banking and Corporate Banking. Its core products and services include deposit and savings accounts such as personal checking, high-yield savings, and youth home savings (BSU); lending solutions comprising residential mortgages, consumer loans, commercial real estate financing, agricultural credits, working capital facilities, and equipment leasing; payment and transactional services featuring debit and credit cards, domestic and cross-border payment processing, and digital mobile and online banking solutions; wealth management and retirement products including mutual funds, securities trading, individual pension savings (IPS), and corporate defined-contribution pension schemes; insurance products spanning life, disability, health, home, vehicle, and commercial property and casualty coverage; and real estate brokerage and valuation services offered through Aktiv Eiendomsmegling. In recent corporate developments, Tinde Sparebank was formally established on June 2, 2025, through the statutory merger of Romsdalsbanken and Sunndal Sparebank, aimed at achieving operational scale, strengthening capital adequacy, and consolidating their regional market position, followed by the completion of a full technical and IT platform unification in October 2025. In conjunction with the merger, the bank listed its primary capital equity certificates on Euronext Growth Oslo under the ticker symbol TINDE. Furthermore, Tinde Sparebank operates as an active co-owner and member of the Eika Alliance (Eika-alliansen), maintaining long-term strategic distribution and shared infrastructure agreements for product development, core IT platforms, and insurance and fund offerings via Eika Gruppen.