SpareBank 1 Nord-Norge (OSL:NONG)
Norway flag Norway · Delayed Price · Currency is NOK
172.80
-2.50 (-1.43%)
Oct 23, 2026, 4:25 PM CEST

SpareBank 1 Nord-Norge Financials Overview

Millions NOK. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
6,1996,3796,5155,0984,0014,542
Revenue Growth
-10.08%-2.09%27.79%27.42%-11.91%21.83%
Net Income
1,4431,5351,6361,1428281,045
Earnings Per Share
14.3815.2916.3011.378.2510.41
EPS Growth
-18.38%-6.17%43.26%37.92%-20.77%31.94%

Revenue by Segment

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Retail Market
2,4942,5072,5102,2981,8761,614
Sparebank 1 Regnskaps- Huset Nord- Norge
330335334241218212
Eiendoms- Megler 1 Nord-Norge
259248227265242246
Sparebank 1 Finans Nord-Norge
387358344293263471
Unallocated
1,0381,2331,392---
Corporate Banking (Excluding SMB)
-1,6981,7091,4571,1321,003
Total
6,2236,3796,5165,1814,0014,543

Cash & Debt

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
1,9733,1453,7222,5472,39721,482
Total Debt
24,25226,06725,42625,09823,89724,178
Net Cash (Debt)
-22,279-22,922-21,704-22,551-21,500-2,696
Net Cash Growth
------
Net Cash Per Share
-222.01-228.31-216.18-224.62-214.15-26.85

Cash Flow & CapEx

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-1,635-4,616-1,468-1,291-331-163
Capital Expenditures
16-104-84-70-62-49
Free Cash Flow
-1,619-4,720-1,552-1,361-393-212
Free Cash Flow Growth
------

Margins

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
23.28%24.06%25.11%22.40%20.70%23.01%
FCF Margin
-26.12%-73.99%-23.82%-26.70%-9.82%-4.67%

Dividends

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingOct '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
4.92%5.60%7.09%6.78%8.54%6.22%

Valuation

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingOct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
12.029.947.589.0711.6410.82
Forward PE
11.4811.669.138.238.8912.72
PS Ratio
2.802.391.902.032.412.49