SpareBank 1 Nord-Norge (OSL:NONG)
Norway flag Norway · Delayed Price · Currency is NOK
165.84
+2.84 (1.74%)
Aug 21, 2026, 4:25 PM CET

SpareBank 1 Nord-Norge Financials Overview

Millions NOK. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal YearTTMFY 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 YearTTMFY 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 YearCurrentFY 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 YearTTMFY 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 YearTTMFY 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 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
5.19%5.91%8.01%8.23%11.34%9.13%

Valuation

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
11.539.947.589.0711.6410.82
Forward PE
11.3911.669.138.238.8912.72
PS Ratio
2.692.391.902.032.412.49