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SpareBank 1 SMN

SpareBank 1 SMN

SRMGF
SpareBank 1 SMNUS flagOther OTC
19.83
USD
-0.97
- -
2.86BMarket Cap
SpareBank 1 SMN
SRMGF
(Other OTC)

Recent

price

19.83

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
22.25
24.1
21.73
24.88
26.9
26.39
31.84
35.15
38.04
40.93
42.87
39.28
41.15
52.27
54.58
55.84
41.06
Revenue per Share
9.82
9.81
8.23
10.71
13.65
10.86
12.66
13.87
15.89
19.36
14.32
21.2
20.53
26.17
31.11
29.68
20.64
Basic EPS, GAAP
-23.3
4.97
-20.23
1.16
11.14
-18.49
-26.53
-12.58
-30.17
32.12
40.29
-15.23
-67.64
57.35
6.08
68.67
80.02
Free Cash Flow per Basic Share
1.67
2.75
1.46
1.5
1.75
2.25
2.25
3.01
4.41
5.1
5
4.4
7.5
6.08
12
12.5
- -
Dividend per Share
22.91
22.9
20.95
21.59
20
20
20.05
20.06
20.07
20.05
20.08
20.08
20.08
20.88
20
20
25.89
Book Value per Share
71.31
75.25
73.95
82.78
92.42
103.02
120.53
129.11
137.81
150.95
157.73
173.09
186.71
198.16
203.17
212.32
197.13
Tangible Book Value per Share
104
104
130
130
130
130
130
129
129
129
129
129
129
138
144
144
144
Basic Weighted Avg Shares
2,305
2,497
2,821
3,230
3,492
3,426
4,124
4,551
4,923
5,300
5,546
5,081
5,321
7,219
7,870
8,051
5,921
Sales/Revenue/Turnover
61.39
- -
48.03
54.46
61.37
51.84
48.08
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
47
88
102
118
109
104
98
102
98
172
166
186
117
153
183
187
140
Depreciation Expense
1,017
1,016
1,068
1,390
1,772
1,410
1,640
1,796
2,056
2,507
1,852
2,742
2,655
3,614
4,485
4,279
2,976
Net Income, GAAP
20.28
20.63
21.77
22.07
16.89
20.83
17.35
19.75
20.78
16.81
16.88
17.24
21.6
20.16
18.66
19.67
19.57
Effective Tax Rate (%)
44.12
40.69
37.86
43.03
50.74
41.16
39.77
39.46
41.76
47.3
33.39
53.97
49.9
50.06
56.99
53.15
50.26
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
30,964
30,838
33,459
37,478
36,446
38,808
38,782
44,644
47,442
45,874
44,836
43,039
50,144
48,476
53,368
48,147
47,479
LT Debt
7,846
8,267
10,083
11,242
12,525
13,903
16,252
17,511
18,685
20,420
21,309
23,241
24,807
28,595
30,524
31,866
29,760
Total Equity
3.1
- -
2.55
2.95
3.61
2.74
3.02
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
49.5
42.82
41.94
50.33
65.63
54.29
63.15
69.16
79.17
96.53
71.31
105.58
102.23
131.87
155.51
148.37
78.1
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
144
144
144
Market Capitalization
17,900
18,081
29,085

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
56
8,648
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
8.72%
8.45%
4.4%
Free Cash Flow
90.47%
191.16%
1,029.08%
Net Income, GAAP
13.66%
20.1%
-4.59%
Sales/Revenue/Turnover
9.45%
8.67%
2.3%
Total Cash Common Dividend
- -
31.04%
4.22%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1,971
1,995
1,895
2,009
7,870
2025
1,971
2,082
- -
1,977
8,051
2026
1,862
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
7.35
6.83
9.84
7.08
31.11
2025
6.82
7.69
- -
7.18
29.68
2026
5.77
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
12
2025
12.51
- -
- -
- -
12.5
2026
- -
- -
- -
- -
- -
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Business
SpareBank 1 SMN SpareBank 1 SMN provides comprehensive banking, accounting, real estate brokerage, and financial services to retail and corporate customers across central Norway, including Trøndelag, Møre og Romsdal, and Vestland regions; through its ownership in the SpareBank 1 Alliance and subsidiaries such as EiendomsMegler 1 Midt-Norge, SpareBank 1 Regnskapshuset SMN, SpareBank 1 Finans Midt-Norge, and SpareBank 1 SMN Invest, the group offers deposits, loans, leasing, factoring, insurance, payment services, savings and investment products, estate agency, accounting, sustainability reporting, HR advisory, capital market services including equity and fixed income trading, and real estate brokerage for residential, commercial, new builds, and agricultural properties. Headquartered in Trondheim with approximately 1,740 employees across 63 offices, including a recent addition in Oslo, SpareBank 1 SMN traces its origins to 1823 as Trondhjems Sparebank, Norway's third savings bank, and operates as the region's leading independent financial services provider serving households, small enterprises, large corporates, agriculture, fisheries, real estate, construction, and energy sectors. Recent developments include the 2023 merger with SpareBank 1 Søre Sunnmøre to enhance lending capacity and market position in Møre og Romsdal, the acquisition of Norion Næringsmegling for commercial real estate brokerage expansion, completion of an additional 20% stake acquisition in SpareBank 1 Markets AS in September 2025 to reach majority ownership, and a strategic partnership with Swedbank to establish a leading Nordic investment bank by integrating corporate finance, high-yield debt, equity research, and sales capabilities, with operations expected in Q3 2025.

Company News

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    SpareBank 1 SMN (OTCMKTS:SRMGF) Sees Significant Drop in Short Interest