Jæren Sparebank JAREN
Oslo Børs · Financial Services · Banks - Regional
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Annual accounts for Jæren Sparebank
| NOK million | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Income statement | ||||
| Revenue | 414 | 505 | 552 | 595 |
| EBITDA | – | – | – | – |
| Net income | 187 | 239 | 275 | 307 |
| Balance sheet | ||||
| Equity | 2,307 | 2,515 | 2,609 | 2,807 |
| Total debt | 3,449 | 3,498 | 3,823 | 4,427 |
| Cash | 81 | 33 | 33 | 33 |
| Net debt | 3,368 | 3,466 | 3,790 | 4,395 |
| Ratios and per share | ||||
| EBITDA margin | – | – | – | – |
| Profit margin | 45.1% | 47.4% | 49.9% | 51.7% |
| Return on equity | 8.1% | 9.5% | 10.5% | 10.9% |
| Earnings/share (NOK) | 37.96 | 48.63 | 55.92 | 62.46 |
| Book value/share (NOK) | 469.16 | 511.52 | 530.42 | 570.79 |
| Shares outstanding (M) | 5 | 5 | 5 | 5 |
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: 12 reports read by AI, every figure checked against the report's page and arithmetic.
Source: the 3. kvartal 2026 report, page 11, published 2026-11-05.
| Quarter | Total income | Profit before losses | Profit | EPS | Adj. EPS | Source |
|---|---|---|---|---|---|---|
| Q3 2026 | 108 | 74 | 56 | 5.60 | … | 3. kvartal 2026, p. 11 |
| Q2 2026 | 99 | 105 | 111 | 11.40 | … | 2. kvartal 2026, p. 10 |
| Q1 2026 | 96 | 69 | 52 | 5.20 | … | Q1 2026, p. 10 |
| Q4 2025 | 101 | 82 | 66 | 6.70 | … | Q4 2025, p. 10 |
| Q3 2025 | 103 | 76 | 60 | 6.00 | … | Q3 2025, p. 10 |
| Q2 2025 | 104 | 125 | 124 | 12.80 | … | Q2 2025, p. 10 |
| Q1 2025 | 102 | 74 | 56 | 5.60 | … | Q1 2025, p. 10 |
| Q4 2024 | 106 | 71 | 52 | 5.10 | … | Q1 2025, p. 10 |
| Q3 2024 | 106 | 81 | 63 | 6.30 | … | Q3 2024, p. 12 |
| Q2 2024 | 101 | 99 | 100 | 10.30 | … | Q2 2024, p. 7 |
| Q1 2024 | 102 | 78 | 60 | 6.00 | … | Q1 2024, p. 7 |
| Q4 2023 | 106 | 65 | 47 | 4.70 | … | Q4 2023, 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
- 2026-09-30 Net value changes on financial instruments at fair value through profit or loss, excluded by the company from the adjusted cost ratio and from core earnings (Q3 2026): −1.0 NOK million (3. kvartal 2026, p. 27)
- 2026-03-31 Engangsposter (one-off items) excluded from the adjusted operating-profit measure Kjernedrift, Q1 2026, amount zero: +0.0 NOK million (Q1 2026, p. 24)
- 2025-12-31 Additional write-down (tilleggsnedskrivning) on loans booked at end of Q4 2025 for remaining uncertainty not reflected in the impairment model: −4.0 NOK million (Q4 2025, p. 15)
- 2025-09-30 Reduction of the booked additional write-down (tilleggsnedskrivning) in Q3 2025: +1.7 NOK million (Q3 2025, p. 15)
- 2025-06-30 Netto verdiendring på finansielle instrumenter til virkelig verdi (Q2 2025): +7.8 NOK million (Q2 2025, p. 11)
- 2025-06-30 Utbytte og resultat investeringer etter egenkapitalmetoden (Q2 2025): +35.6 NOK million (Q2 2025, p. 11)
- 2025-03-31 Additional write-down (tilleggsnedskrivning) on loans, carried forward from Q4 2024: −5.6 NOK million (Q1 2025, p. 15)
- 2024-09-30 Net reversal of write-downs and losses on loans and guarantees, Q3 2024: +2.1 NOK million (Q3 2024, p. 13)
Found by AI and still being validated: hover for the report's own words.
Sign in for free to open each report on the page a figure comes from.
Extracted by an AI model from the reports and can be wrong. Not investment advice.
Key figures
| P/E | 5.3 |
| P/B | 0.6 |
| EV / EBITDA | – |
| Net debt / EBITDA | – |
| Return on equity | 10.9% |
| Profit margin | 51.7% |
| Beta 1Y | −0.01 |
| Revenue growth 1Y | +7.8% |
| Revenue CAGR 3Y | +12.9% |
| Earnings/share CAGR 3Y | +18.1% |
| ROE avg. 3Y | 10.3% |
Ratios use the latest annual report that was public 90 days after the year end.
Dividends per share (NOK)
| 2026 | 20.00 |
| 2025 | 20.00 |
| 2024 | 16.00 |
| 2023 | 12.50 |
| 2022 | 11.00 |
Not investment advice. Figures may contain errors from the data source.