Romerike Sparebank (OSL:ROMER)

Norway · Delayed Price · Currency is NOK

154.96

+2.68 (1.76%)

At close: Nov 13, 2026

Romerike Sparebank Financials Overview

Financials in millions NOK. Fiscal year is January - December.

Millions NOK. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Revenue	463.61	495.22	439.23	400.45	284.76	242.66
Revenue Growth	-0.95%	12.75%	9.68%	40.63%	17.35%	24.64%
Net Income	-1.91	36.14	32.58	29.02	95.2	92.84
Earnings Per Share	-	12.74	11.49	10.23	33.56	92.84
EPS Growth	-	10.91%	12.26%	-69.51%	-63.85%	705.42%

Revenue by Segment

Fiscal Year	FY 2025	FY 2024
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024
Retail Market (RM)	352.54	312.81
Corporate Market (BM)	249.02	205.85
Unallocated	-106.35	-79.44
Total	495.22	439.23

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Cash & Investments	86.2	3,244	2,729	2,835	2,279	1,729
Total Debt	6,161	6,145	5,069	4,259	3,220	2,666
Net Cash (Debt)	-6,075	-2,901	-2,340	-1,424	-941.48	-937.03
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-	-1022.94	-825.09	-501.99	-331.94	-937.03

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Operating Cash Flow	413.66	-427.59	-819.78	-581.84	-198.88	475.81
Capital Expenditures	-10.83	-12.21	-	-	-	-
Free Cash Flow	402.83	-439.8	-819.78	-581.84	-198.88	475.81
Free Cash Flow Growth	-	-	-	-	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Profit Margin	-0.41%	7.30%	7.42%	7.25%	33.43%	38.26%
FCF Margin	86.89%	-88.81%	-186.64%	-145.29%	-69.84%	196.08%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 15, 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
Dividend Per Share	10.500	10.500	10.500	9.500	6.700	8.400
Dividend Per Share Growth	0%	0%	10.53%	41.79%	-20.24%	13.51%
Dividend Yield	6.78%	7.30%	8.16%	7.98%	5.40%	4.75%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 15, 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
PE Ratio	-	11.30	11.20	11.63	3.69	1.91
Forward PE	12.60	12.33	11.48	9.69	14.59	-
P/FCF Ratio	1.09	-	-	-	-	0.37
PS Ratio	0.95	0.82	0.83	0.84	1.24	0.73