SpareBank 1 Sør-Norge ASA SB1NO
Oslo Børs · Financial Services · Banks - Regional
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Annual accounts for SpareBank 1 Sør-Norge
| NOK million | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Income statement | ||||
| Revenue | 6,481 | 8,455 | 9,598 | 13,044 |
| EBITDA | – | – | – | – |
| Net income | 3,293 | 4,300 | 4,911 | 6,365 |
| Balance sheet | ||||
| Equity | 28,688 | 33,560 | 52,637 | 55,496 |
| Total debt | 150,581 | 161,731 | 210,365 | 215,533 |
| Cash | 76 | 88 | 119 | 121 |
| Net debt | 150,505 | 161,643 | 210,246 | 215,412 |
| Ratios and per share | ||||
| EBITDA margin | – | – | – | – |
| Profit margin | 50.8% | 50.9% | 51.2% | 48.8% |
| Return on equity | 11.5% | 12.8% | 9.3% | 11.5% |
| Earnings/share (NOK) | 12.88 | 16.27 | 13.08 | 16.98 |
| Book value/share (NOK) | 112.18 | 127.01 | 140.23 | 148.03 |
| Shares outstanding (M) | 256 | 264 | 375 | 375 |
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: 48 reports read by AI, every figure checked against the report's page and arithmetic.
Source: the Q2 2026 report, page 14, published 2026-08-13.
| Quarter | Total income | Profit before losses | Profit | EPS | Adj. EPS | Source |
|---|---|---|---|---|---|---|
| Q2 2026 | 3,433 | 2,135 | 1,610 | 4.33 | … | Q2 2026, p. 14 |
| Q1 2026 | 3,346 | 2,064 | 1,516 | 4.08 | … | Q1 2026, p. 14 |
| Q4 2025 | 3,459 | 2,130 | – | – | … | Q4 2025, p. 39 |
| Q3 2025 | 9 | 632 | – | – | … | Q3 2025, p. 40 |
| Q2 2025 | 48 | −83 | 1,587 | 4.23 | … | Q2 2026, p. 14 |
| Q1 2025 | 3,492 | 2,209 | 1,641 | 4.37 | … | Q1 2025, p. 16 |
| Q4 2024 | 3,206 | 1,830 | 1,390 | – | … | Q4 2024, p. 3 |
| Q3 2024 | 2,628 | 1,567 | 1,244 | 5.29 | … | Q3 2024, p. 7 |
| Q2 2024 | 60 | 871 | 718 | 4.19 | … | Q2 2024, p. 3 |
| Q1 2024 | 2,359 | 1,533 | 1,531 | 4.26 | … | Q1 2024, p. 15 |
| Q4 2023 | 8,745 | 5,445 | 4,475 | 16.27 | … | Q4 2023, p. 3 |
| Q3 2023 | −1,880 | −3,167 | 1,009 | 0.02 | … | Q3 2023, p. 3 |
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
- 2025-09-30 Impairment losses on loans and financial commitments: +115.0 NOK million (Q3 2025, p. 40)
- 2025-06-30 Provision related to the court ruling in the case against Tietoevry Norway AS, Q2 2025 (comparative period): −74.0 NOK million (Q2 2026, p. 6)
- 2025-06-30 Merger expenses in Q2 2025 (comparative period): −69.0 NOK million (Q2 2026, p. 6)
- 2025-06-30 Impairment losses on loans and financial commitments: +76.0 NOK million (Q2 2025, p. 40)
- 2025-03-31 Merger expenses: −22.0 NOK million (Q1 2026, p. 6)
- 2025-03-31 Merger expenses: +22.0 NOK million (Q1 2025, p. 7)
- 2024-12-31 one-off customer fees and sales gains on leasing contracts in the fourth quarter of 2024: +0.0 NOK million (Q1 2025, p. 10)
- 2024-12-31 merger expenses: +89.0 NOK million (Q4 2024, p. 7)
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 | 13.7 |
| P/B | 1.6 |
| EV / EBITDA | – |
| Net debt / EBITDA | – |
| Return on equity | 11.5% |
| Profit margin | 48.8% |
| Beta 1Y | 0.44 |
| Revenue growth 1Y | +35.9% |
| Revenue CAGR 3Y | +26.3% |
| Earnings/share CAGR 3Y | +9.7% |
| ROE avg. 3Y | 11.2% |
Ratios use the latest annual report that was public 90 days after the year end.
Dividends per share (NOK)
| 2026 | 12.00 |
| 2025 | 8.50 |
| 2024 | 7.50 |
| 2023 | 7.00 |
| 2022 | 6.00 |
Not investment advice. Figures may contain errors from the data source.