How does Y7I's PE Ratio compare to its peers?

Y7I is expensive based on its Price-To-Earnings Ratio (13.9x) compared to the peer average (8.9x).

How does Y7I's PE Ratio compare vs other companies in the European Banks Industry?

Y7I is expensive based on its Price-To-Earnings Ratio (13.9x) compared to the European Banks industry average (7.8x).

What is Y7I's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Y7I is good value based on its Price-To-Earnings Ratio (13.9x) compared to the estimated Fair Price-To-Earnings Ratio (16x).

What is the Fair Price of Y7I when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Y7I (€12.53) is trading below our estimate of [[fair value]] (€91.06)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

Y7I Stock Overview

A savings bank, provides various financial products and services to individuals and corporate customers in Norway. More details

Y7I fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	4/6
Past Performance	2/6
Financial Health	3/6
Dividends	0/6

Rewards

Trading at 86.2% below our estimate of its fair value

Earnings are forecast to grow 57.2% per year

Became profitable this year

Risk Analysis

Does not have a meaningful market cap (€344M)

My Notes

Capture your thoughts, links and company narrative

Haugesund Sparebank Competitors

Merkur PrivatBank KgaA

XTRA:MBK

€116.7m

Hvidbjerg Bank

CPSE:HVID

DKK 216.7m

Sunndal Sparebank

OB:SUNSB

NOK 325.5m

HCB Financial

OTCPK:HCBN

US$31.6m

Price History & Performance

Summary of share price highs, lows and changes for Haugesund Sparebank
Historical stock prices
Current Share Price	NOK 12.53
52 Week High	NOK 12.63
52 Week Low	NOK 10.57
Beta	0
1 Month Change	2.89%
3 Month Change	7.39%
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	6.08%

Recent updates

Shareholder Returns

	Y7I	DE Banks	DE Market
7D	1.5%	1.8%	1.7%
1Y	n/a	21.8%	9.4%

Return vs Industry: Insufficient data to determine how Y7I performed against the German Banks industry.

Return vs Market: Insufficient data to determine how Y7I performed against the German Market.

Price Volatility

Is Y7I's price volatile compared to industry and market?
Y7I volatility
Y7I Average Weekly Movement	2.8%
Banks Industry Average Movement	3.2%
Market Average Movement	4.9%
10% most volatile stocks in DE Market	11.5%
10% least volatile stocks in DE Market	2.4%

Stable Share Price: Y7I has not had significant price volatility in the past 3 months compared to the German market.

Volatility Over Time: Y7I's weekly volatility (3%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1928	71	Bente Syre	www.haugesund-sparebank.no

Haugesund Sparebank, a savings bank, provides various financial products and services to individuals and corporate customers in Norway. Its personal banking products and services include current, deposit, and association accounts; mortgage and consumer loans, as well as car, boat and other vehicle loans; savings accounts, shares and funds, pension savings accounts, and savings for children and young people; vehicle, boat and leisure, house and contents, and life and health insurance plans; and bank and credit cards, mobile and watch payments, payment apps, and online and mobile banking services. The company’s corporate banking products and services, such as business loans, overdrafts, agricultural credit, construction loans, agricultural loans, leasing solutions, and bank guarantees; current accounts, payment solutions, online business services, and savings and investment products; and insurance and pension plans.

Haugesund Sparebank Fundamentals Summary

How do Haugesund Sparebank's earnings and revenue compare to its market cap?
Y7I fundamental statistics
Market cap	€29.25m
Earnings (TTM)	€2.10m
Revenue (TTM)	€37.31m

13.9x

P/E Ratio

0.2x

P/B Ratio

Is Y7I overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
Y7I income statement (TTM)
Revenue	NOK 439.12m
Cost of Revenue	NOK 0
Gross Profit	NOK 439.12m
Other Expenses	NOK 414.44m
Earnings	NOK 24.68m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	10.97
Gross Margin	100.00%
Net Profit Margin	5.62%
Debt/Equity Ratio	201.0%

How did Y7I perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/01/08 14:23
End of Day Share Price	2025/01/08 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Haugesund Sparebank is covered by 2 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Žilvinas Jusaitis	Norne Securities AS
Ignas Lekštys	Norne Securities AS

Haugesund Sparebank BST:Y7I Stock Report