SpareBank 1 Nord-Norge NONG

Oslo Børs · Financial Services · Banks - Regional

180.88 NOK −0.9% 2026-11-06

☆ Create a free account to watch Backtest this stock Compare Price history

Keep this stock on your watchlist and set email alerts for prices, reports and important announcements where available.

Annual accounts for SpareBank 1 Nord-Norge

NOK million	2022	2023	2024	2025
Income statement
Revenue	3,860	5,318	5,799	5,911
EBITDA	–	–	–	–
Net income	1,787	2,460	3,530	3,311
Balance sheet
Equity	15,692	16,945	19,062	20,521
Total debt	21,453	23,900	24,340	25,173
Cash	145	402	1,404	1,076
Net debt	21,308	23,498	22,936	24,097
Ratios and per share
EBITDA margin	–	–	–	–
Profit margin	46.3%	46.3%	60.9%	56.0%
Return on equity	11.4%	14.5%	18.5%	16.1%
Earnings/share (NOK)	17.80	24.50	35.16	32.98
Book value/share (NOK)	156.30	168.78	189.86	204.40
Shares outstanding (M)	100	100	100	100

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

Beta

From the company's own reports: 49 reports read by AI, every figure checked against the report's page and arithmetic.

Total income Q3 2026

1,578

NOK million

Profit before losses Q3 2026

1,072

NOK million

EPS Q3 2026

3.57

NOK

One-off items found

in 49 reports

Source: the Q3 2026 report, page 14, published 2026-10-30.

Quarter	Total income	Profit before losses	Profit	EPS	Adj. EPS	Source
Q3 2026	1,578	1,072	803	3.57	…	Q3 2026, p. 14
Q4 2025	11,615	11,041	33,421	3.52	…	4Q25, p. 5
Q3 2025	11,617	11,114	893	3.99	…	Q3 2026, p. 14
Q2 2025	−7,318	1,140	−41	–	…	Q2 2025, p. 27
Q1 2025	1,557	1,065	852	–	…	Q2 2025, p. 27
Q4 2024	1,691	1,095	3,631	3.38	…	4Q24, p. 5
Q3 2024	22,061	11,587	11,335	–	…	3Q24, p. 22
Q2 2024	−11,426	21	730	–	…	3Q24, p. 22
Q1 2024	11,440	952	705	3.14	…	1Q24, p. 4
Q4 2023	11,612	11,019	735	11.36	…	4Q24, p. 5
Q3 2023	1,220	756	497	–	…	3Q24, p. 22
Q2 2023	1,198	1,182	782	4.59	…	Q2 2023, p. 20

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

2026-03-31 Positive one-off effect from final settlement following the wind-up of SpareBank 1 Nord-Norge Pensjonskasse (SNN Pension Fund), booked in net commission and other income: +52.0 NOK million (Q2 2026, p. 8)
2025-06-30 Non-recurring expense related to the legal case with Tieto: −35.0 NOK million (Q2 2026, p. 10)
2025-06-30 Innbetaling ansvarlig lånekapital/eierandelskapital: +250.0 NOK million (Q2 2025, p. 1)
2025-06-30 Utbetaling ansvarlig lånekapital/eierandelskapital: −200.0 NOK million (Q2 2025, p. 1)
2025-06-30 Utbetalt utbytte egenkapitalbevis/vedtatte utdelinger: −1,459.0 NOK million (Q2 2025, p. 1)
2025-06-30 Innbetalinger/Endringer tilknyttede selskap/datterselskap: +80.0 NOK million (Q2 2025, p. 1)
2025-06-30 Utbetalinger tilknyttede selskap/datterselskap: −505.0 NOK million (Q2 2025, p. 1)
2025-06-30 Netto likviditetsendring fra virksomhetsomhet: +453.0 NOK million (Q2 2025, p. 1)

Found by AI and still being validated: hover for the report's own words.

Extracted by an AI model from the reports and can be wrong. Not investment advice.

Key figures

P/E	5.5
P/B	0.9
EV / EBITDA	–
Net debt / EBITDA	–
Return on equity	16.1%
Profit margin	56.0%
Beta 1Y	0.35
Revenue growth 1Y	+1.9%
Revenue CAGR 3Y	+15.3%
Earnings/share CAGR 3Y	+22.8%
ROE avg. 3Y	16.4%

Ratios use the latest annual report that was public 90 days after the year end.

Dividends per share (NOK)

2026	8.50
2025	8.75
2024	7.00
2023	8.20
2022	10.40
2021	2.63

Not investment advice. Figures may contain errors from the data source.