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SpareBank 1 Østfold Akershus

SpareBank 1 Østfold Akershus

SOAG.OL
SpareBank 1 Østfold AkershusNO flagOslo Stock Exchange
430.00
NOK
+2.50
- -
5.33BMarket Cap
SpareBank 1 Østfold Akershus
SOAG.OL
(Oslo Stock Exchange)

Recent

price

430.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
247.42
107.46
49.95
53.62
64.18
53.34
59.16
55.7
56.66
58.36
60.7
65.54
76.28
90.16
95.65
99.61
92.97
Revenue per Share
67.61
35.3
13.33
16.71
23.67
20.66
29.47
27.79
28.92
32.61
29.79
35.76
36.49
39.79
52.55
53.03
49.68
Basic EPS, GAAP
200.96
242.25
61.08
18.9
47.99
-45.1
21.75
-30.52
-26.08
43.75
64.41
58.84
24.22
26.96
-40.68
57.8
58.44
Free Cash Flow per Basic Share
9.1
19.05
1.96
4.03
3.58
4.15
4.19
7.76
9.93
15.58
12.83
7.51
17.27
19.05
23.17
- -
19.68
Dividend per Share
95.1
303.15
90.45
90.45
100
105.36
100
107.28
100
100.01
100.01
100.01
100.01
100.01
100.01
100.01
92.01
Book Value per Share
657.38
448.41
146.12
161.08
196.38
208.66
236.1
267.56
268.58
285.34
301.81
329.09
347.18
362.03
404
422.65
374.49
Tangible Book Value per Share
2
3
10
10
9
11
11
12
12
12
12
12
12
12
12
12
13
Basic Weighted Avg Shares
383
329
513
551
596
570
667
643
702
723
752
812
945
1,117
1,185
1,234
1,252
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
60.63
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
18
13
18
18
24
13
13
12
12
22
20
20
22
33
24
19
22
Depreciation Expense
105
108
137
172
220
221
332
321
358
404
369
443
452
493
651
657
669
Net Income, GAAP
23.14
9.31
24.1
22.76
17.03
21.74
18.73
20.05
18.05
17.59
18.9
19.31
20.28
22.36
17.99
17.67
16.77
Effective Tax Rate (%)
27.32
32.85
26.68
31.16
36.88
38.74
49.81
49.88
51.04
55.88
49.07
54.56
47.83
44.14
54.94
53.24
53.43
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
4,804
5,854
4,230
4,795
4,033
4,339
4,433
4,712
5,358
4,837
4,882
4,291
3,909
4,370
4,894
4,797
4,980
LT Debt
1,018
1,403
1,526
1,676
1,842
2,246
2,670
3,096
3,330
3,535
3,739
4,077
4,301
4,520
5,038
5,268
5,080
Total Equity
- -
- -
- -
- -
- -
- -
4.75
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
71.09
20.1
14.74
18.47
23.67
21.5
29.47
27.13
28.92
32.61
29.78
35.75
36.48
39.79
52.54
53.03
54
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
12
12
12
Market Capitalization
6,101
6,120
5,978

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
98
98
103
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
9%
7.13%
4.57%
Free Cash Flow
-117.26%
-109.83%
-242.06%
Net Income, GAAP
12.68%
12.82%
0.92%
Sales/Revenue/Turnover
8.23%
10.56%
4.14%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
298
297
292
302
1,185
2025
289
337
310
297
1,234
2026
308
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
11.01
9.87
18.88
9.41
52.55
2025
8.1
18.24
11.78
10.77
53.03
2026
9.04
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.23
20.64
0.3
0.45
23.17
2025
0.28
19.37
0.23
- -
- -
2026
0.29
- -
- -
- -
- -
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Business
SpareBank 1 Østfold Akershus SpareBank 1 Østfold Akershus operates as a regional savings bank offering a comprehensive range of banking, lending, savings, insurance, and related financial services primarily to retail and corporate customers in Østfold county and southern Akershus county, south-eastern Norway; core products and services include savings accounts, funds, children's savings, retirement savings, and stock investment products; mortgage loans, car loans, consumer loans, vehicle loans, green loans, and refinancing for mortgages and consumer debt; business financing such as overdrafts, leasing, business loans, bank guarantees, construction loans, growth guarantees, agricultural operating credit, factoring, and invoice sales; pension products; insurances covering car, home, personal, pet, vehicle, travel, machinery, building, employee, farm, and agricultural risks; property services; mobile and online banking; bank and credit cards; and payment and transfer services. Founded in 1835 and headquartered in Moss, Norway, with eight branches and approximately 292 employees, the bank is a member of the SpareBank 1 Alliance, enabling collaborative product development and economies of scale across Norway's second-largest financial group. Recent developments include strong risk-adjusted earnings of 3.7% in the first nine months of 2025, as affirmed by Nordic Credit Rating with a stable outlook adjustment, alongside participation in the SpareBank 1 Alliance's March 2025 strategic expansion with Swedbank to establish a jointly owned Nordic investment bank enhancing equity research, sales, and corporate finance capabilities.