SpareBank 1 Nord-Norge Ratios and Metrics

Market cap in millions NOK. Fiscal year is January - December.

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	May '26 May 13, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Capitalization	14,307	15,250	12,397	10,361	9,638	11,305
Market Cap Growth	7.03%	23.02%	19.65%	7.50%	-14.74%	50.94%
Last Close Price	142.50	143.75	109.19	85.07	72.34	76.67
PE Ratio	9.93	9.94	7.58	9.07	11.64	10.82
PS Ratio	2.26	2.39	1.90	2.03	2.41	2.49
PB Ratio	0.72	0.73	0.64	0.60	0.61	0.68
Debt / Equity Ratio	1.30	1.25	1.32	1.46	1.50	1.45
Net Debt / Equity Ratio	1.19	1.10	1.12	1.31	1.35	0.16
Net Debt / FCF Ratio	-9.59	-4.86	-13.98	-16.57	-54.71	-12.72
Return on Equity (ROE)	16.87%	17.21%	20.05%	15.39%	11.36%	14.49%
Return on Assets (ROA)	2.36%	2.47%	2.78%	2.04%	1.53%	1.94%
Earnings Yield	10.09%	22.43%	29.28%	24.33%	18.93%	20.20%
FCF Yield	-17.10%	-30.95%	-12.52%	-13.14%	-4.08%	-1.88%
Dividend Yield	5.90%	5.91%	8.01%	8.23%	11.34%	9.13%
Payout Ratio	86.66%	58.99%	56.01%	65.37%	99.84%	18.44%
Buyback Yield / Dilution	23.42%	0.00%	-	-	-	-
Total Shareholder Return	29.32%	5.91%	8.01%	8.23%	11.34%	9.13%

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