SpareBank 1 SMN Ratios and Metrics

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

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Feb '26 Feb 24, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Capitalization	30,734	29,710	24,706	20,394	16,472	19,279
Market Cap Growth	17.22%	20.26%	21.15%	23.81%	-14.56%	52.77%
Last Close Price	213.15	206.05	160.01	121.63	103.50	115.02
PE Ratio	11.17	10.80	8.52	8.76	9.94	11.20
PS Ratio	3.45	3.33	2.76	2.68	2.77	3.31
PB Ratio	0.96	0.93	0.81	0.71	0.66	0.83
P/FCF Ratio	3.15	3.05	38.85	2.61	-	-
P/OCF Ratio	3.10	3.00	28.17	2.54	-	-
Debt / Equity Ratio	1.65	1.65	1.95	1.94	2.36	2.02
Debt / FCF Ratio	5.40	5.40	93.59	7.10	-	-
Net Debt / Equity Ratio	0.33	0.33	1.66	1.63	2.01	1.72
Net Debt / FCF Ratio	1.07	1.07	79.71	5.97	-2.56	-2.54
Return on Equity (ROE)	14.00%	14.00%	15.53%	13.82%	11.59%	13.03%
Return on Assets (ROA)	1.78%	1.78%	1.91%	1.62%	1.32%	1.50%
Earnings Yield	8.95%	14.40%	18.16%	17.73%	16.12%	14.23%
FCF Yield	31.74%	32.83%	2.57%	38.29%	-118.21%	-81.58%
Dividend Yield	6.42%	6.55%	7.81%	9.87%	6.28%	6.52%
Payout Ratio	45.90%	45.90%	48.84%	37.34%	38.91%	22.57%
Buyback Yield / Dilution	-0.00%	-0.00%	-4.40%	-6.80%	0.02%	0.01%
Total Shareholder Return	6.41%	6.55%	3.41%	3.07%	6.30%	6.54%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.