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TOTGO Stock Overview

Provides various banking and financial products and services in Norway. More details

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

Rewards

Trading at 62.2% below our estimate of its fair value

Earnings are forecast to grow 20.65% per year

Earnings have grown 16.1% per year over the past 5 years

Pays a high and reliable dividend of 6.5%

Risk Analysis

Shares are highly illiquid

Community vs My Fair Value

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Totens Sparebank Competitors

Secure Trust Bank

LSE:STB

UK£116.7m

Arbuthnot Banking Group

AIM:ARBB

UK£148.7m

Close Brothers Group

LSE:CBG

UK£522.8m

Philippine Business Bank

PSE:PBB

₱6.6b

Price History & Performance

Summary of share price highs, lows and changes for Totens Sparebank
Historical stock prices
Current Share Price	NOK 219.00
52 Week High	NOK 0
52 Week Low	NOK 0
Beta	0.19
1 Month Change	0%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	67.82%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	TOTGO	GB Banks	GB Market
7D	0%	4.1%	0.2%
1Y	n/a	33.7%	-0.07%

Return vs Industry: Insufficient data to determine how TOTGO performed against the UK Banks industry.

Return vs Market: Insufficient data to determine how TOTGO performed against the UK Market.

Price Volatility

Is TOTGO's price volatile compared to industry and market?
TOTGO volatility
TOTGO Average Weekly Movement	n/a
Banks Industry Average Movement	6.7%
Market Average Movement	5.8%
10% most volatile stocks in GB Market	11.3%
10% least volatile stocks in GB Market	3.2%

Stable Share Price: TOTGO has not had significant price volatility in the past 3 months.

Volatility Over Time: Insufficient data to determine TOTGO's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1854	90	Rolf Delingsrud	www.totenbanken.no

Totens Sparebank provides various banking and financial products and services in Norway. The company offers savings and pension products; mortgage, car, other vehicle, business, and construction loans; small loans; leasing; overdrafts and bank guarantees; home, leisure, car and other vehicle, animal, company and employee, agriculture, business, data attack, property damage, craftsman, health, landlord, collective, personnel, travel, and occupational injury insurance; and business and credit cards. It also provides online and mobile banking services; and payment solutions.

Totens Sparebank Fundamentals Summary

How do Totens Sparebank's earnings and revenue compare to its market cap?
TOTGO fundamental statistics
Market cap	NOK 1.37b
Earnings (TTM)	NOK 137.07m
Revenue (TTM)	NOK 598.07m

10.0x

P/E Ratio

0.5x

P/B Ratio

Is TOTGO overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
TOTGO income statement (TTM)
Revenue	NOK 598.07m
Cost of Revenue	NOK 0
Gross Profit	NOK 598.07m
Other Expenses	NOK 461.00m
Earnings	NOK 137.07m

Last Reported Earnings

Dec 31, 2023

Next Earnings Date

n/a

Earnings per share (EPS)	22.38
Gross Margin	100.00%
Net Profit Margin	22.92%
Debt/Equity Ratio	315.4%

How did TOTGO perform over the long term?

See historical performance and comparison

Dividends

6.5%

Current Dividend Yield

65%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/04/01 09:14
End of Day Share Price	2024/01/03 00:00
Earnings	2023/12/31
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.

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 Github.

Analyst Sources

Totens Sparebank is covered by 5 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
Christian Berner	Beringer Finance AB
Geir Kristiansen	Beringer Finance AB
Žilvinas Jusaitis	Norne Securities AS