Sparebanken Møre MORG
Oslo Børs · Financial Services · Banks - Regional
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Annual accounts for Sparebanken Møre
| NOK million | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Income statement | ||||
| Revenue | 1,755 | 2,195 | 2,401 | 2,390 |
| EBITDA | – | – | – | – |
| Net income | 746 | 1,007 | 1,023 | 970 |
| Balance sheet | ||||
| Equity | 8,102 | 8,680 | 9,026 | 9,374 |
| Total debt | 35,679 | 38,754 | 41,820 | 45,091 |
| Cash | 394 | 266 | 447 | 968 |
| Net debt | 35,285 | 38,488 | 41,373 | 44,123 |
| Ratios and per share | ||||
| EBITDA margin | – | – | – | – |
| Profit margin | 42.5% | 45.9% | 42.6% | 40.6% |
| Return on equity | 9.2% | 11.6% | 11.3% | 10.3% |
| Earnings/share (NOK) | 15.14 | 20.45 | 20.65 | 19.57 |
| Book value/share (NOK) | 164.39 | 176.25 | 182.21 | 189.13 |
| Shares outstanding (M) | 49 | 49 | 50 | 50 |
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: 44 reports read by AI, every figure checked against the report's page and arithmetic.
Source: the Q3 2026 report, page 14, published 2026-10-29.
| Quarter | Total income | Profit before losses | Profit | EPS | Adj. EPS | Source |
|---|---|---|---|---|---|---|
| Q3 2026 | 604 | 354 | 262 | 2.44 | … | Q3 2026, p. 14 |
| Q2 2026 | 606 | 358 | 275 | 2.57 | … | Q2 2026, p. 10 |
| Q1 2026 | 553 | 300 | 211 | – | … | Q1 2026, p. 2 |
| Q4 2025 | 613 | 369 | 297 | 2.78 | … | Q4 2025, p. 10 |
| Q3 2025 | 613 | 362 | 258 | 2.40 | … | Q3 2025, p. 9 |
| Q2 2025 | 603 | 351 | 243 | 2.26 | … | 2025Q2, p. 3 |
| Q1 2025 | 566 | 315 | 232 | – | … | Q1 2026, p. 2 |
| Q4 2024 | 589 | 354 | 251 | 2.03 | … | Q4 2025, p. 10 |
| Q3 2024 | 626 | 383 | 280 | 2.66 | … | Q3 2025, p. 9 |
| Q2 2024 | 608 | 359 | 301 | 2.85 | … | Q2 2024, p. 9 |
| Q1 2024 | 578 | 350 | 254 | 2.41 | … | Q1 2024, p. 9 |
| Q4 2023 | 533 | 300 | 340 | 3.28 | … | Q1 2024, p. 9 |
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 Impairment on loans, guarantees etc.: −24.0 NOK million (Q4 2025, p. 2)
- 2025-06-30 Confirmed losses, not previously impaired: +7.0 NOK million (2025Q2, p. 32)
- 2025-06-30 Migration to stage 2: +17.0 NOK million (2025Q2, p. 32)
- 2025-06-30 Migration to stage 1: −15.0 NOK million (2025Q2, p. 32)
- 2025-06-30 Disposal of commitments and transfer to stage 3 (individually assessed): −6.0 NOK million (2025Q2, p. 32)
- 2025-06-30 Recoveries: −2.0 NOK million (2025Q2, p. 32)
- 2025-06-30 Migration to stage 3: +0.0 NOK million (2025Q2, p. 32)
- 2025-06-30 Capital gains from bond holdings: +14.0 NOK million (2025Q2, p. 5)
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 | 5.8 |
| P/B | 0.6 |
| EV / EBITDA | – |
| Net debt / EBITDA | – |
| Return on equity | 10.3% |
| Profit margin | 40.6% |
| Beta 1Y | 0.18 |
| Revenue growth 1Y | −0.5% |
| Revenue CAGR 3Y | +10.8% |
| Earnings/share CAGR 3Y | +8.9% |
| ROE avg. 3Y | 11.1% |
Ratios use the latest annual report that was public 90 days after the year end.
Dividends per share (NOK)
| 2026 | 7.00 |
| 2025 | 6.25 |
| 2024 | 7.50 |
| 2023 | 4.00 |
| 2022 | 3.20 |
Not investment advice. Figures may contain errors from the data source.