SpareBank 1 Helgeland HELG
Oslo Børs · Financial Services · Banks - Regional
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Annual accounts for SpareBank 1 Helgeland
| NOK million | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Income statement | ||||
| Revenue | 919 | 1,203 | 1,265 | 1,206 |
| EBITDA | – | – | – | – |
| Net income | 345 | 374 | 438 | 379 |
| Balance sheet | ||||
| Equity | 4,933 | 5,051 | 5,222 | 5,412 |
| Total debt | 8,288 | 6,802 | 8,353 | 8,998 |
| Cash | 71 | 83 | 124 | 94 |
| Net debt | 8,217 | 6,719 | 8,229 | 8,904 |
| Ratios and per share | ||||
| EBITDA margin | – | – | – | – |
| Profit margin | 37.5% | 31.1% | 34.6% | 31.4% |
| Return on equity | 7.0% | 7.4% | 8.4% | 7.0% |
| Earnings/share (NOK) | 12.79 | 13.87 | 16.28 | 14.08 |
| Book value/share (NOK) | 182.82 | 187.29 | 194.09 | 201.06 |
| Shares outstanding (M) | 27 | 27 | 27 | 27 |
From the annual statements (Yahoo Finance), in the currency the company reports in. Per-share figures use the shares at the year end. Charts and annual figures →
Quarterly figures from the reports
BetaFrom the company's own reports: 49 reports read by AI, every figure checked against the report's page and arithmetic.
Source: the 3. kvartal 2025 report, page 45, published 2025-10-31.
| Quarter | Total income | Profit before losses | Profit | EPS | Adj. EPS | Source |
|---|---|---|---|---|---|---|
| Q3 2025 | 235 | 200 | 157 | – | … | 3. kvartal 2025, p. 45 |
| Q2 2025 | 234 | 171 | 136 | – | … | 3. kvartal 2025, p. 45 |
| Q1 2025 | 236 | 190 | 154 | – | … | 3. kvartal 2025, p. 45 |
| Q4 2024 | 254 | 179 | 133 | – | … | 3. kvartal 2025, p. 45 |
| Q3 2024 | 255 | 200 | 155 | – | … | 3. kvartal 2025, p. 45 |
| Q2 2024 | 249 | 185 | 139 | – | … | 2. kvartal 2024, p. 4 |
| Q1 2024 | 254 | 179 | 144 | – | … | 2. kvartal 2024, p. 4 |
| Q4 2021 | −147 | – | – | – | … | 31.12.2022, p. 38 |
| Q3 2019 | 140 | 76 | 60 | 3.34 | … | 3. kvartal 2019, p. 7 |
| Q2 2019 | 145 | −34 | 54 | 3.13 | … | 3. kvartal 2019, p. 7 |
| Q1 2019 | 142 | 93 | 112 | 3.11 | … | 3. kvartal 2019, p. 7 |
| Q1 2019 | 145 | 85 | −43 | 3.02 | … | 3. kvartal 2019, p. 7 |
Amounts in NOK million, EPS in NOK. Each quarter as first reported, as a backtest would have seen it. Adjusted EPS (without one-off items) is shown once the one-off items have been checked against the companies' own adjusted figures.
One-off items in the reports
- 2025-12-31 Restructuring costs recognised in personnel costs in Q4 2025: −10.0 NOK million (Q1 2026, p. 8)
- 2024-09-30 The bank transferred a portfolio of loans to Helgeland Boligkreditt AS.: +8.5 NOK million (30.09.2024, p. 44)
- 2024-06-30 The bank transferred a portfolio of loans to Helgeland Boligkreditt AS at the end of the quarter.: +8.5 NOK million (2. kvartal 2024, p. 45)
- 2024-03-31 Tap på utlån, garantier m.v. (Losses on loans, guarantees, etc.): +53.0 NOK million (Q1 2024, p. 45)
- 2022-12-31 Tingsutbytte medførte en oppskrivning av verdien i på aksjene i Samarbeidende Sparebanker AS lik virkelig verdi av utdelt tingsutbytte.: +0.0 NOK million (31.12.2022, p. 27)
- 2019-03-31 Nedskrivning på utlån: +5.0 NOK million (Q1 2019, p. 50)
- 2017-09-30 Cost related to then pension deal for the last CEO is expensed by MNOK 3.5 this quarter. This is an increase in the pension obligation and will therefore appear as a one-time cost and not as an annual cost ahead.: +3.5 NOK million (30.09.17, p. 3)
- 2016-06-30 Oppgjør fra Visa Q2: +14.0 NOK million (3. kvartal 2016, p. 2)
Found by AI and still being validated: hover for the report's own words.
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Extracted by an AI model from the reports and can be wrong. Not investment advice.
Key figures
| P/E | 12.4 |
| P/B | 0.9 |
| EV / EBITDA | – |
| Net debt / EBITDA | – |
| Return on equity | 7.0% |
| Profit margin | 31.4% |
| Beta 1Y | 0.01 |
| Revenue growth 1Y | −4.7% |
| Revenue CAGR 3Y | +9.5% |
| Earnings/share CAGR 3Y | +3.3% |
| ROE avg. 3Y | 7.6% |
Ratios use the latest annual report that was public 90 days after the year end.
Dividends per share (NOK)
| 2026 | 7.67 |
| 2025 | 8.43 |
| 2024 | 10.77 |
| 2023 | 10.26 |
| 2022 | 3.19 |
Not investment advice. Figures may contain errors from the data source.