SpareBank 1 Nord-Norge

DB:93S Stock Report

Market Cap: €1.0b

SpareBank 1 Nord-Norge Past Earnings Performance

Past criteria checks 5/6

SpareBank 1 Nord-Norge has been growing earnings at an average annual rate of 10.1%, while the Banks industry saw earnings growing at 18% annually. Revenues have been growing at an average rate of 8.8% per year. SpareBank 1 Nord-Norge's return on equity is 19.5%, and it has net margins of 24.8%.

Key information

10.1%

Earnings growth rate

10.0%

EPS growth rate

Banks Industry Growth10.6%
Revenue growth rate8.8%
Return on equity19.5%
Net Margin24.8%
Next Earnings Update13 Feb 2025

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How SpareBank 1 Nord-Norge makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

DB:93S Revenue, expenses and earnings (NOK Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 246,4371,5961,1390
30 Jun 245,5551,2181,1070
31 Mar 245,2611,1751,0570
31 Dec 235,1811,1421,0000
30 Sep 234,8901,1029320
30 Jun 234,6621,0468760
31 Mar 234,3659518590
31 Dec 224,0018288440
30 Sep 224,1138499160
30 Jun 224,2559229310
31 Mar 224,5171,0349390
31 Dec 214,5421,0459360
30 Sep 214,0178828410
30 Jun 213,9718668540
31 Mar 213,8618328530
31 Dec 203,7287928690
30 Sep 203,6877388760
30 Jun 203,5606898670
31 Mar 203,6307208700
31 Dec 194,1139458340
30 Sep 194,1331,0088370
30 Jun 194,1111,0128000
31 Mar 193,9729627710
31 Dec 183,3947107480
30 Sep 183,4137359090
30 Jun 183,3157118890
31 Mar 183,1706698500
31 Dec 173,1306638280
30 Sep 172,9675958050
30 Jun 172,9496007790
31 Mar 172,9265997710
31 Dec 162,8645817600
30 Sep 162,7105258670
30 Jun 162,5334478840
31 Mar 162,4554078970
31 Dec 152,4944189180
30 Sep 152,358-1678030
30 Jun 152,485548070
31 Mar 152,5782828070
31 Dec 142,6735457790
30 Sep 142,8951,3367960
30 Jun 142,8431,3177510
31 Mar 142,6501,1717230
31 Dec 132,3909667070

Quality Earnings: 93S has high quality earnings.

Growing Profit Margin: 93S's current net profit margins (24.8%) are higher than last year (22.5%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: 93S's earnings have grown by 10.1% per year over the past 5 years.

Accelerating Growth: 93S's earnings growth over the past year (44.8%) exceeds its 5-year average (10.1% per year).

Earnings vs Industry: 93S earnings growth over the past year (44.8%) exceeded the Banks industry 12.6%.

Return on Equity

High ROE: 93S's Return on Equity (19.5%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/29 11:05
End of Day Share Price 2024/12/27 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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

SpareBank 1 Nord-Norge is covered by 11 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Jan GjerlandABG Sundal Collier
Fridtjof BerentsArctic Securities ASA
Geir KristiansenBeringer Finance AB