SpareBank 1 Østfold Akershus SOAG
Oslo Børs · Financial Services · Banks - Regional
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Annual accounts for SpareBank 1 Østfold Akershus
| NOK million | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Income statement | ||||
| Revenue | 945 | 1,117 | 1,185 | 1,234 |
| EBITDA | – | – | – | – |
| Net income | 452 | 493 | 651 | 657 |
| Balance sheet | ||||
| Equity | 4,301 | 4,520 | 5,038 | 5,268 |
| Total debt | 3,909 | 4,370 | 4,894 | 4,797 |
| Cash | 93 | 101 | 100 | 98 |
| Net debt | 3,816 | 4,269 | 4,794 | 4,699 |
| Ratios and per share | ||||
| EBITDA margin | – | – | – | – |
| Profit margin | 47.8% | 44.1% | 54.9% | 53.2% |
| Return on equity | 10.5% | 10.9% | 12.9% | 12.5% |
| Earnings/share (NOK) | 36.49 | 39.80 | 52.55 | 53.04 |
| Book value/share (NOK) | 347.21 | 364.90 | 406.68 | 425.25 |
| Shares outstanding (M) | 12 | 12 | 12 | 12 |
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: 13 reports read by AI, every figure checked against the report's page and arithmetic.
Source: the Q3 2026 report, page 34, published 2026-11-03.
| Quarter | Total income | Profit before losses | Profit | EPS | Adj. EPS | Source |
|---|---|---|---|---|---|---|
| Q3 2026 | 348 | 209 | 140 | 11.29 | … | Q3 2026, p. 34 |
| Q2 2026 | 387 | 225 | 165 | 13.30 | … | Q2 2026, p. 36 |
| Q1 2026 | 325 | 167 | 112 | 9.04 | … | Første kvartal 2026, p. 33 |
| Q4 2025 | 322 | 167 | 128 | 10.77 | … | Q4 2025, p. 36 |
| Q3 2025 | 337 | 208 | 140 | 11.78 | … | Q3 2025, p. 36 |
| Q2 2025 | 415 | 273 | 220 | 18.24 | … | Q2 2025, p. 37 |
| Q1 2025 | 304 | 159 | 100 | 8.54 | … | Q1 2025, p. 35 |
| Q4 2024 | 317 | 175 | 125 | 9.41 | … | Q4 2024, p. 36 |
| Q3 2024 | 425 | 307 | 250 | 18.88 | … | Q3 2024, p. 36 |
| Q2 2024 | 304 | 172 | 131 | 9.87 | … | Q2 2024, p. 38 |
| Q1 2024 | 312 | 182 | 146 | 11.01 | … | Q1 2024, p. 35 |
| Q4 2023 | 288 | 155 | 115 | 8.70 | … | Q4 2023, p. 38 |
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 Severance and workforce reduction costs (voluntary reduction of 20 full-time positions in parent bank): −16.4 NOK million (Q2 2026, p. 10)
- 2025-09-30 Gain on sale of ownership interests in Samarbeidende Sparebanker AS, SpareBank 1 Samspar AS and Samarbeidende Sparebanker Utvikling DA: +50.0 NOK million (Q3 2025, p. 9)
- 2025-09-30 One-off cost related to the Tietoevry court ruling (SpareBank 1 Utvikling DA vs Tietoevry Norway AS): −8.0 NOK million (Q3 2025, p. 12)
- 2025-06-30 Gain on sale of ownership interests in Samarbeidende Sparebanker AS, Samspar AS and Samarbeidende Sparebanker Utvikling DA: +50.0 NOK million (Q2 2025, p. 9)
- 2025-06-30 Cost for prior periods from the Tietoevry court ruling, charged in Q2 2025: −8.0 NOK million (Q2 2025, p. 10)
- 2024-12-31 Losses in Q4 2024 primarily related to two single exposures in the corporate market: −19.0 NOK million (Q4 2024, p. 11)
- 2024-09-30 Gain on sale of 13.2% stake in Samarbeidende Sparebanker AS to SpareBank 1 Sogn og Fjordane: +51.0 NOK million (Q3 2024, p. 10)
- 2024-09-30 Gain from the merger between Fremtind and Eika Forsikring, recognised through the share of SpareBank 1 Gruppen result: +64.0 NOK million (Q3 2024, p. 10)
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 | 8.6 |
| P/B | 1.1 |
| EV / EBITDA | – |
| Net debt / EBITDA | – |
| Return on equity | 12.5% |
| Profit margin | 53.2% |
| Beta 1Y | 0.01 |
| Revenue growth 1Y | +4.1% |
| Revenue CAGR 3Y | +9.3% |
| Earnings/share CAGR 3Y | +13.3% |
| 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 | 24.50 |
| 2025 | 30.10 |
| 2024 | 21.50 |
| 2023 | 17.80 |
| 2022 | 16.20 |
Not investment advice. Figures may contain errors from the data source.