SpareBank 1 Sør-Norge ASA

DB:B4M1 Stock Report

Market Cap: €3.2b

SpareBank 1 Sør-Norge Past Earnings Performance

Past criteria checks 5/6

SpareBank 1 Sør-Norge has been growing earnings at an average annual rate of 17.8%, while the Banks industry saw earnings growing at 18% annually. Revenues have been growing at an average rate of 14.6% per year. SpareBank 1 Sør-Norge's return on equity is 14.7%, and it has net margins of 50.6%.

Key information

17.8%

Earnings growth rate

16.6%

EPS growth rate

Banks Industry Growth10.6%
Revenue growth rate14.6%
Return on equity14.7%
Net Margin50.6%
Next Earnings Update12 Feb 2025

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

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

Earnings and Revenue History

DB:B4M1 Revenue, expenses and earnings (NOK Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 249,9855,0522,3790
30 Jun 249,5704,6892,3370
31 Mar 249,4044,5782,3350
31 Dec 238,9764,3002,3050
30 Sep 238,2053,8282,1250
30 Jun 237,7443,6292,0560
31 Mar 237,3133,4052,0510
31 Dec 227,0383,2932,0250
30 Sep 226,8883,1882,0590
30 Jun 226,7603,0952,0660
31 Mar 226,6763,1232,0760
31 Dec 216,5523,0891,9780
30 Sep 216,0582,8061,9160
30 Jun 215,6642,5771,8580
31 Mar 214,8602,0071,6780
31 Dec 204,2071,5031,7220
30 Sep 204,1771,3851,3580
30 Jun 204,3531,4801,4300
31 Mar 205,2282,1381,6160
31 Dec 196,2953,0841,6060
30 Sep 196,2433,1401,6030
30 Jun 196,2053,1901,5440
31 Mar 195,8202,9161,5080
31 Dec 185,1212,2911,4720
30 Sep 185,1392,3221,4960
30 Jun 185,0832,3001,4710
31 Mar 184,9532,1981,4520
31 Dec 174,7772,0841,4280
30 Sep 174,5721,9561,3540
30 Jun 174,4381,8801,3790
31 Mar 174,2421,7721,3500
31 Dec 164,1901,7551,3290
30 Sep 163,9701,7681,3620
30 Jun 163,7421,6111,3120
31 Mar 163,8301,6361,3230
31 Dec 154,0091,7461,3490
30 Sep 154,2471,7521,3160
30 Jun 154,4261,8291,3360
31 Mar 154,5231,9321,3280
31 Dec 144,6572,0951,2980
30 Sep 144,7822,2141,3210
30 Jun 144,8242,2761,2900
31 Mar 144,6672,1251,2890
31 Dec 134,3661,8601,2820

Quality Earnings: B4M1 has high quality earnings.

Growing Profit Margin: B4M1's current net profit margins (50.6%) are higher than last year (46.7%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: B4M1's earnings have grown by 17.8% per year over the past 5 years.

Accelerating Growth: B4M1's earnings growth over the past year (32%) exceeds its 5-year average (17.8% per year).

Earnings vs Industry: B4M1 earnings growth over the past year (32%) exceeded the Banks industry 12.6%.

Return on Equity

High ROE: B4M1's Return on Equity (14.7%) 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 Analysis2024/12/22 07:57
End of Day Share Price 2024/12/20 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 Sør-Norge ASA is covered by 13 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
Fridtjof BerentsArctic Securities ASA
Geir KristiansenBeringer Finance AB
Johan StrömCarnegie Investment Bank AB