Bien Sparebank ASA Ratios and Metrics

Market cap in millions NOK. Fiscal year is January - December.

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jan '26 Jan 30, 2026	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Market Capitalization	841	693	493	523	-	-
Market Cap Growth	22.31%	40.55%	-5.66%	-	-	-
Last Close Price	148.00	118.00	79.20	80.54	-	-
PE Ratio	14.15	12.18	9.43	13.04	-	-
PS Ratio	5.15	4.51	3.39	4.52	-	-
PB Ratio	1.13	0.97	0.71	0.80	-	-
P/FCF Ratio	-	26.54	-	6.16	-	-
P/OCF Ratio	27.28	26.54	-	6.16	-	-
Debt / Equity Ratio	1.73	1.58	1.53	1.41	1.80	1.99
Debt / FCF Ratio	41.79	43.32	-	10.88	38.68	38.73
Return on Equity (ROE)	8.74%	8.62%	8.29%	7.09%	5.65%	5.59%
Return on Assets (ROA)	1.11%	1.15%	1.11%	0.84%	0.59%	0.52%
Earnings Yield	7.07%	8.77%	11.33%	8.05%	-	-
FCF Yield	-	3.77%	-34.54%	16.23%	-	-
Dividend Yield	3.61%	4.53%	6.21%	4.59%	-	-
Payout Ratio	48.05%	45.99%	37.68%	27.80%	28.82%	31.14%
Buyback Yield / Dilution	-	-	-	-13.23%	-	-
Total Shareholder Return	3.61%	4.53%	6.21%	-8.63%	-	-

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.