SpareBank 1 SMN MING
Oslo Børs · Financial Services · Banks - Regional
Keep this stock on your watchlist and set email alerts for prices, reports and important announcements where available.
Annual accounts for SpareBank 1 SMN
| NOK million | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Income statement | ||||
| Revenue | 5,321 | 7,219 | 7,870 | 8,051 |
| EBITDA | – | – | – | – |
| Net income | 1,658 | 2,331 | 2,898 | 2,751 |
| Balance sheet | ||||
| Equity | 23,810 | 27,929 | 29,703 | 31,166 |
| Total debt | 50,144 | 48,476 | 53,368 | 48,147 |
| Cash | 1,171 | 1,172 | 654 | 56 |
| Net debt | 48,973 | 47,304 | 52,714 | 48,091 |
| Ratios and per share | ||||
| EBITDA margin | – | – | – | – |
| Profit margin | 31.2% | 32.3% | 36.8% | 34.2% |
| Return on equity | 7.0% | 8.3% | 9.8% | 8.8% |
| Earnings/share (NOK) | 12.82 | 16.16 | 20.10 | 19.08 |
| Book value/share (NOK) | 184.17 | 193.68 | 205.97 | 216.11 |
| Shares outstanding (M) | 129 | 144 | 144 | 144 |
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: 11 reports read by AI, every figure checked against the report's page and arithmetic.
Source: the Second quarter 2026 report, page 14, published 2026-08-13.
| Quarter | Total income | Profit before losses | Profit | EPS | Adj. EPS | Source |
|---|---|---|---|---|---|---|
| Q2 2026 | 1,229 | – | – | – | … | Second quarter 2026, p. 14 |
| Q2 2025 | 1,335 | – | – | – | … | Second quarter 2026, p. 14 |
| Q2 2019 | – | – | – | 3.21 | … | 2nd Quarter 2019, p. 53 |
| Q4 2018 | – | – | – | 1.90 | … | 2nd Quarter 2019, p. 53 |
| Q3 2018 | – | – | – | 2.32 | … | 2nd Quarter 2019, p. 53 |
| Q2 2018 | – | – | – | 3.54 | … | 2nd Quarter 2019, p. 53 |
| Q3 2017 | – | – | – | 1.92 | … | 2nd Quarter 2019, p. 53 |
| Q2 2017 | – | – | – | 2.63 | … | 2nd Quarter 2019, p. 53 |
| Q1 2017 | – | – | – | 2.42 | … | 2nd Quarter 2019, p. 53 |
| Q4 2015 | 959 | 444 | 121 | 1.45 | … | 4th Quarter 2015, p. 27 |
| Q3 2015 | 831 | 364 | 78 | – | … | 2. kvartal 2016, p. 25 |
| Q2 2015 | 1,044 | 548 | 120 | – | … | 2. kvartal 2016, p. 25 |
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
- 2026-06-30 Result investment held for sale, after tax: +0.0 NOK million (Second quarter 2026, p. 3)
- 2026-06-30 Losses on loans, guarantees etc.: +35.0 NOK million (Second quarter 2026, p. 7)
- 2025-06-30 Result investment held for sale, after tax: −8.0 NOK million (Second quarter 2026, p. 3)
- 2025-06-30 non-recurring expense related to Tieto: +47.0 NOK million (Second quarter 2026, p. 9)
- 2016-06-30 Urealiserte verdier aksjer Tilgjengelig for salg: −57.0 NOK million (2. kvartal 2016, p. 23)
- 2016-06-30 Andre inntekter og kostnader tilknyttede foretak og felleskontrollert virksomhet: −40.0 NOK million (2. kvartal 2016, p. 23)
- 2016-06-30 Selskaper holdt for salg (Brannstasjonen SMN AS): −1.0 NOK million (2. kvartal 2016, p. 29)
- 2015-12-31 Collectively assessed write-downs: +51.0 NOK million (4th Quarter 2015, p. 10)
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 | 11.4 |
| P/B | 1.0 |
| EV / EBITDA | – |
| Net debt / EBITDA | – |
| Return on equity | 8.8% |
| Profit margin | 34.2% |
| Beta 1Y | 0.38 |
| Revenue growth 1Y | +2.3% |
| Revenue CAGR 3Y | +14.8% |
| Earnings/share CAGR 3Y | +14.2% |
| ROE avg. 3Y | 9.0% |
Ratios use the latest annual report that was public 90 days after the year end.
Dividends per share (NOK)
| 2026 | 13.50 |
| 2025 | 12.50 |
| 2024 | 12.00 |
| 2023 | 6.50 |
| 2022 | 7.50 |
| 2021 | 3.10 |
Not investment advice. Figures may contain errors from the data source.