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 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Feb '26 Feb 3, 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	28,103	24,706	20,394	16,472	19,279	12,620
Market Cap Growth	10.86%	21.15%	23.81%	-14.56%	52.77%	-2.99%
Last Close Price	194.90	160.01	121.63	103.50	115.02	72.77
PE Ratio	10.24	8.52	8.76	9.94	11.20	11.00
PS Ratio	3.15	2.76	2.68	2.77	3.31	2.39
PB Ratio	0.91	0.81	0.71	0.66	0.83	0.59
P/FCF Ratio	5.39	38.85	2.61	-	-	-
P/OCF Ratio	5.24	28.17	2.54	-	-	-
Debt / Equity Ratio	1.98	1.95	1.94	2.36	2.02	2.44
Debt / FCF Ratio	11.71	93.59	7.10	-	-	-
Return on Equity (ROE)	14.40%	15.53%	13.82%	11.59%	13.03%	9.48%
Return on Assets (ROA)	1.74%	1.91%	1.62%	1.32%	1.50%	1.12%
Earnings Yield	9.76%	18.16%	17.73%	16.12%	14.23%	14.67%
FCF Yield	18.54%	2.57%	38.29%	-118.21%	-81.58%	-58.63%
Dividend Yield	6.41%	7.81%	9.87%	6.28%	6.52%	6.05%
Payout Ratio	53.36%	48.84%	37.34%	38.91%	22.57%	38.12%
Buyback Yield / Dilution	-0.27%	-4.40%	-6.80%	0.02%	0.01%	0.11%
Total Shareholder Return	6.19%	3.41%	3.07%	6.30%	6.54%	6.15%

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