SpareBank 1 Nord-Norge (OSL:NONG)
Norway flag Norway · Delayed Price · Currency is NOK
185.60
+0.74 (0.40%)
Nov 13, 2026, 4:25 PM CET

SpareBank 1 Nord-Norge Financials Overview

Millions NOK. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
6,0826,3796,5155,0984,0014,542
Revenue Growth
-6.27%-2.09%27.79%27.42%-11.91%21.83%
Net Income
1,4011,5351,6361,1428281,045
Earnings Per Share
13.9615.2916.3011.378.2510.41
EPS Growth
-10.26%-6.17%43.26%37.92%-20.77%31.94%

Revenue by Segment

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Retail Market
2,4992,5072,5102,2981,8761,614
Corporate Banking (Excluding SMB)
1,6471,6981,7091,4571,1321,003
Sparebank 1 Regnskaps- Huset Nord- Norge
332335334241218212
Eiendoms- Megler 1 Nord-Norge
260248227265242246
Sparebank 1 Finans Nord-Norge
364358344293263471
Unallocated
9801,2331,392---
Total
6,0826,3796,5165,1814,0014,543

Cash & Debt

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
1,2953,1453,7222,5472,39721,482
Total Debt
27,32426,06725,42625,09823,89724,178
Net Cash (Debt)
-26,029-22,922-21,704-22,551-21,500-2,696
Net Cash Growth
------
Net Cash Per Share
-259.34-228.31-216.18-224.62-214.15-26.85

Cash Flow & CapEx

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-5,595-4,616-1,468-1,291-331-163
Capital Expenditures
-22-104-84-70-62-49
Free Cash Flow
-5,617-4,720-1,552-1,361-393-212
Free Cash Flow Growth
------

Margins

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
23.04%24.06%25.11%22.40%20.70%23.01%
FCF Margin
-92.35%-73.99%-23.82%-26.70%-9.82%-4.67%

Dividends

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
8.5008.5008.7507.0008.2007.000
Dividend Per Share Growth
-2.86%-2.86%25.00%-14.63%17.14%79.49%
Dividend Yield
4.58%5.60%7.09%6.78%8.54%6.22%

Valuation

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
13.309.947.589.0711.6410.82
Forward PE
11.7211.669.138.238.8912.72
PS Ratio
3.062.391.902.032.412.49