0GI5 Stock Overview

Provides banking products and services to private individuals and companies in Norway. More details

0GI5 fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	1/6
Past Performance	4/6
Financial Health	4/6
Dividends	4/6

Rewards

Trading at 15.4% below our estimate of its fair value

Earnings are forecast to grow 3.57% per year

Earnings grew by 16.9% over the past year

Risk Analysis

Shares are highly illiquid

Does not have a meaningful market cap (NOK811M)

Unstable dividend track record

Community vs My Fair Value

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Voss Veksel- og Landmandsbank ASA Competitors

Metro Bank Holdings

LSE:MTRO

UK£794.1m

Arbuthnot Banking Group

AIM:ARBB

UK£149.5m

Secure Trust Bank

LSE:STB

UK£119.4m

Podravska banka d.d

ZGSE:PDBA

€73.2m

Price History & Performance

Summary of share price highs, lows and changes for Voss Veksel- og Landmandsbank
Historical stock prices
Current Share Price	NOK 364.00
52 Week High	NOK 364.00
52 Week Low	NOK 312.00
Beta	0.29
1 Month Change	5.81%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	192.37%

Recent updates

Shareholder Returns

	0GI5	GB Banks	GB Market
7D	0%	4.2%	1.6%
1Y	n/a	36.3%	0.7%

Return vs Industry: Insufficient data to determine how 0GI5 performed against the UK Banks industry.

Return vs Market: Insufficient data to determine how 0GI5 performed against the UK Market.

Price Volatility

Is 0GI5's price volatile compared to industry and market?
0GI5 volatility
0GI5 Average Weekly Movement	n/a
Banks Industry Average Movement	6.6%
Market Average Movement	5.8%
10% most volatile stocks in GB Market	11.4%
10% least volatile stocks in GB Market	3.2%

Stable Share Price: 0GI5's share price has been volatile over the past 3 months compared to the UK market.

Volatility Over Time: Insufficient data to determine 0GI5's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1843	24	Stig Røthe	vekselbanken.no

Voss Veksel- og Landmandsbank ASA provides banking products and services to private individuals and companies in Norway. The company offers saving accounts; car and other vehicle, home, small, and construction loans; overdrafts facilities; leasing services; bank guarantees; bank and payment cards; insurance products; and online and mobile banking services. The company was founded in 1843 and is based in Voss, Norway.

Voss Veksel- og Landmandsbank ASA Fundamentals Summary

How do Voss Veksel- og Landmandsbank's earnings and revenue compare to its market cap?
0GI5 fundamental statistics
Market cap	NOK 810.97m
Earnings (TTM)	NOK 90.79m
Revenue (TTM)	NOK 189.72m

8.9x

P/E Ratio

1.0x

P/B Ratio

Is 0GI5 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
0GI5 income statement (TTM)
Revenue	NOK 189.72m
Cost of Revenue	NOK 0
Gross Profit	NOK 189.72m
Other Expenses	NOK 98.93m
Earnings	NOK 90.79m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	41.20
Gross Margin	100.00%
Net Profit Margin	47.85%
Debt/Equity Ratio	130.7%

How did 0GI5 perform over the long term?

See historical performance and comparison

Dividends

4.5%

Current Dividend Yield

34%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/17 08:41
End of Day Share Price	2025/05/02 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

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

Voss Veksel- og Landmandsbank ASA 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
Vegard Toverud	Pareto Securities

Voss Veksel- og Landmandsbank LSE:0GI5 Stock Report