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    Banks - Regional
Pareto Bank ASA

Pareto Bank ASA

PARB.OL
Pareto Bank ASANO flagOslo Stock Exchange
67.50
NOK
+0.40
- -
5.18BMarket Cap
Pareto Bank ASA
PARB.OL
(Oslo Stock Exchange)

Recent

price

67.50

P/E

ratio

- -

div

yld

- -

ROIC.AI

2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
4.76
5.93
7.97
7.5
9.04
9.38
9.67
10.47
11.93
13.37
14.59
16.32
16.87
16.45
Revenue per Share
2.24
3.12
3.9
4.07
5.27
5.55
5.57
5.99
7.09
7.71
7.38
8.29
8.13
8.77
Basic EPS, GAAP
4.4
-2.69
9.38
-6.5
-8.54
-30.67
-5.43
13.9
-13.8
-15.23
4.08
28.07
5.28
33.56
Free Cash Flow per Basic Share
0.49
0.49
0.57
- -
0.99
1.57
0.57
1.95
2.94
3.39
3.51
3.9
4.15
- -
Dividend per Share
9.79
9.83
11.4
11.58
11.86
11.8
11.74
11.72
11.78
11.63
12
12
12
11.56
Book Value per Share
19.34
22.82
29.59
32.27
35.33
41.49
45.17
49.01
53.25
58.12
64.63
70.3
74.26
68.12
Tangible Book Value per Share
52
52
45
61
59
60
71
72
71
72
77
77
77
80
Basic Weighted Avg Shares
247
308
357
455
536
559
690
749
849
964
1,120
1,253
1,295
1,311
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
4
4
5
4
4
8
11
9
14
16
17
19
20
20
Depreciation Expense
116
162
175
247
313
331
398
428
505
555
567
637
624
699
Net Income, GAAP
28.23
26.43
27.93
24.71
24.67
24.61
24.19
24.2
24.49
24.3
23.76
23.67
23.49
23.65
Effective Tax Rate (%)
47.03
52.6
48.97
54.31
58.32
59.19
57.6
57.2
59.43
57.65
50.57
50.83
48.17
53.31
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
1,638
2,501
3,168
3,156
3,520
5,282
5,894
5,205
6,360
7,652
8,504
8,093
7,481
8,048
LT Debt
1,027
1,209
1,350
1,985
2,126
2,508
3,257
3,536
3,822
4,220
5,005
5,437
5,741
5,469
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
31.82
34.24
40.76
44.44
47.02
51.58
51.1
60.19
66.27
64.39
69.12
67.72
75.83
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
77
77
77
Market Capitalization
5,403
6,276
6,598

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
75
75
76
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
16.18%
10.27%
5.59%
Free Cash Flow
-14.91%
38.16%
-81.18%
Net Income, GAAP
14.2%
8.05%
-2.02%
Sales/Revenue/Turnover
14%
11.67%
3.37%
Total Cash Common Dividend
- -
18.89%
6.41%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
302
316
315
320
1,253
2025
332
343
314
- -
1,295
2026
310
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2.29
2.15
2.08
1.91
8.29
2025
2.33
2.44
1.39
- -
8.13
2026
1
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
3.9
2025
- -
- -
- -
- -
4.15
2026
- -
- -
- -
- -
- -
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Business
Pareto Bank ASA Pareto Bank ASA is a Norwegian niche bank specializing in corporate financing and project lending to medium-sized enterprises. The bank offers a range of banking products and services, including corporate and private deposits; payment and card services; real estate financing such as property development loans, construction credits, second mortgages, owner financing, bridge financing, and renovation mortgages primarily in Oslo and Southeast Norway; corporate financing encompassing acquisition loans, recapitalization, operating loans, working capital facilities, and liquidity credits; as well as shipping and offshore financing; and investment loans for securities. Pareto Bank ASA operates mainly in Norway with a growing presence in Sweden, focusing on Stockholm and surrounding areas where lending exposure reached NOK 2.84 billion, or 13.6% of its total loan book, as of early 2025. Founded in 2007 and headquartered at Dronning Mauds gate 3 in Oslo, the bank maintains a 20% ownership association with the Pareto Group and targets sectors including real estate, securities investments, and maritime projects. Recent developments include the completion of a share buyback program in March 2025, through which Pareto Bank ASA repurchased 105,127 shares for NOK 7.97 million via Pareto Securities AS to support its bonus and employee share purchase initiatives; strategic expansion in Sweden supported by lower capital requirements from January 2025; and an upgraded issuer rating to BBB with Positive Outlook by Scope Ratings in August 2025, reflecting improved capital buffers, CET1 ratio of 17.1%, and solid profitability.