SpareBank 1 Nord-Norge (OSL:NONG)
Norway flag Norway · Delayed Price · Currency is NOK
158.08
-0.16 (-0.10%)
Aug 3, 2026, 9:43 AM CET

SpareBank 1 Nord-Norge Financials Overview

Millions NOK. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
6,7244,383,000,7434,564,000,9074,2043,0752,910
Revenue Growth
-6.09%-3.97%108563194.65%36.71%5.67%-2.38%
Net Income
3,3293,457,000,0003,663,000,0002,5481,8512,295
Earnings Per Share
14.8615.2916.3011.4018.4422.86
EPS Growth
-11.12%-6.20%42.98%-38.17%-19.35%31.75%

Revenue by Segment

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Sparebank 1 Finans Nord-Norge
368358344293263471
Unallocated
1,1601,2331,392---
Retail Market
2,5252,5072,5102,2981,8761,614
Eiendoms- Megler 1 Nord-Norge
246248227265242246
Sparebank 1 Regnskaps- Huset Nord- Norge
327335334241218212
Corporate Banking (Excluding SMB)
-1,6981,7091,4571,1321,003
Total
6,3216,3796,5165,1814,0014,543

Cash & Debt

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Equivalents
9591,0761,404402145399
Total Debt
23,27123,84623,19122,33721,05422,087
Net Cash (Debt)
-23,271-23,846-23,191-22,337-21,054-22,087
Net Cash Growth
------
Net Cash Per Share
-103.88-0.00-230.99-222.48-209.71-219.99

Cash Flow & CapEx

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
5,0692,1613,6551,7203,0042,828
Capital Expenditures
-95-104-84-70-62-49
Free Cash Flow
4,9742,0573,5711,6502,9422,779
Free Cash Flow Growth
641.28%-42.40%116.42%-43.92%5.87%38.12%

Margins

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Pretax Margin
62.39%97.63%98.86%77.85%76.88%96.01%
Profit Margin
50.04%78.87%80.26%60.61%60.20%78.87%
FCF Margin
73.97%0.00%0.00%39.25%95.67%95.50%

Dividends

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '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
5.37%0.00%15.59%15.33%18.51%7.47%

Valuation

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
10.649.937.589.055.214.93
Forward PE
11.3511.669.138.238.8912.72
P/FCF Ratio
-7.413.476.283.284.07
PS Ratio
2.510.000.002.463.133.88