SpareBank 1 Ringerike Hadeland RING
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 Ringerike Hadeland
| NOK million | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Income statement | ||||
| Revenue | 922 | 1,085 | 1,294 | 1,368 |
| EBITDA | – | – | – | – |
| Net income | 421 | 461 | 704 | 734 |
| Balance sheet | ||||
| Equity | 4,324 | 4,753 | 5,281 | 5,534 |
| Total debt | 5,800 | 5,728 | 4,863 | 4,391 |
| Cash | 90 | 103 | 110 | 102 |
| Net debt | 5,710 | 5,625 | 4,753 | 4,289 |
| Ratios and per share | ||||
| EBITDA margin | – | – | – | – |
| Profit margin | 45.6% | 42.5% | 54.4% | 53.7% |
| Return on equity | 9.7% | 9.7% | 13.3% | 13.3% |
| Earnings/share (NOK) | 26.87 | 29.44 | 45.21 | 46.90 |
| Book value/share (NOK) | 276.29 | 303.76 | 339.13 | 353.60 |
| Shares outstanding (M) | 16 | 16 | 16 | 16 |
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 Q2 2026 report, page 5, published 2026-08-13.
| Quarter | Total income | Profit before losses | Profit | EPS | Adj. EPS | Source |
|---|---|---|---|---|---|---|
| Q2 2026 | 383 | 246 | 185 | 12.23 | … | Q2 2026, p. 5 |
| Q4 2025 | 353 | 219 | 172 | 11.43 | … | Q4 2025, p. 5 |
| Q3 2025 | 336 | 205 | 149 | 10.30 | … | Q3 2025, p. 17 |
| Q2 2025 | 431 | 285 | 231 | 15.14 | … | Q2 2025, p. 36 |
| Q1 2025 | 326 | 193 | 148 | 9.17 | … | Q1 2025, p. 36 |
| Q4 2024 | 322 | 223 | 160 | 9.59 | … | Q1 2025, p. 36 |
| Q3 2024 | 443 | 318 | 238 | 15.90 | … | Q3 2025, p. 17 |
| Q2 2024 | 305 | 177 | 134 | 8.78 | … | Q2 2024, p. 43 |
| Q1 2024 | 318 | 193 | 145 | 9.01 | … | Q1 2024, p. 29 |
| Q4 2023 | 272 | 151 | 99 | 6.15 | … | Q4 2023, p. 32 |
| Q3 2023 | 287 | 179 | 136 | 8.47 | … | Q3 2023, p. 24 |
| Q2 2023 | 259 | 146 | 107 | 6.62 | … | Q2 2023, p. 23 |
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 Release of discretionary group-wide loss provision (from 2022 and 2023) booked in Q1 2026: +12.5 NOK million (Q2 2026, p. 26)
- 2025-12-31 Model calibration of the LGD model reduced loan loss costs: +17.0 NOK million (Q4 2025, p. 28)
- 2025-06-30 Gain from reallocation of ownership stakes in the jointly owned SamSpar companies (post balance sheet event): +60.0 NOK million (Q1 2025, p. 60)
- 2024-06-30 Additional discretionary (group-level) loss provision added after the engagement review of commercial property exposures: −2.5 NOK million (Q2 2024, p. 50)
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 | 9.5 |
| P/B | 1.3 |
| EV / EBITDA | – |
| Net debt / EBITDA | – |
| Return on equity | 13.3% |
| Profit margin | 53.6% |
| Beta 1Y | 0.10 |
| Revenue growth 1Y | +5.7% |
| Revenue CAGR 3Y | +14.0% |
| Earnings/share CAGR 3Y | +20.4% |
| ROE avg. 3Y | 12.1% |
Ratios use the latest annual report that was public 90 days after the year end.
Dividends per share (NOK)
| 2026 | 44.00 |
| 2025 | 30.00 |
| 2024 | 20.00 |
| 2023 | 13.10 |
| 2022 | 16.20 |
| 2021 | 9.20 |
Not investment advice. Figures may contain errors from the data source.