SpareBank 1 Sør-Norge Balance Sheet Health
Financial Health criteria checks 3/6
SpareBank 1 Sør-Norge has total assets of NOK488.6B and total equity of NOK54.3B. Total deposits are NOK210.8B, and total loans are NOK377.8B earning a Net Interest Margin of 1.9%. It has insufficient allowance for bad loans, which are currently at 0.6% of total loans. Cash and short-term investments are NOK15.3B.
Key information
9x
Asset to equity ratio
1.9%
Net interest margin
| Total deposits | NOK 210.78b |
| Loan to deposit ratio | High |
| Bad loans | 0.6% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | NOK 15.27b |
Recent financial health updates
No updates
Recent updates
SpareBank 1 Sør-Norge ASA Just Recorded A 13% EPS Beat: Here's What Analysts Are Forecasting Next
May 10
SpareBank 1 Sør-Norge's (OB:SB1NO) Dividend Will Be Increased To NOK8.50
Apr 23SpareBank 1 Sør-Norge's (OB:SB1NO) Upcoming Dividend Will Be Larger Than Last Year's
Apr 04SpareBank 1 Sør-Norge (OB:SB1NO) Is Paying Out A Larger Dividend Than Last Year
Mar 10SpareBank 1 Sør-Norge (OB:SB1NO) Has Announced That It Will Be Increasing Its Dividend To NOK8.50
Feb 15
SR-Bank Merger And Regional Expansion May Boost Growth, But Loan Impairments And Competition Could Impact Earnings
Merger with SR-Bank could boost net margins through cost efficiencies, increased revenue, and improved cost-to-income ratios.Here's Why SpareBank 1 Sør-Norge (OB:SB1NO) Has Caught The Eye Of Investors
Dec 10SpareBank 1 Sør-Norge ASA Just Beat Earnings Expectations: Here's What Analysts Think Will Happen Next
Nov 03We Ran A Stock Scan For Earnings Growth And SpareBank 1 SR-Bank (OB:SRBNK) Passed With Ease
Aug 16Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: SB1NO's Assets to Equity ratio (9x) is low.
Allowance for Bad Loans: SB1NO has a low allowance for bad loans (62%).
Low Risk Liabilities: 51% of SB1NO's liabilities are made up of primarily higher risk sources of funding.
Loan Level: SB1NO has an appropriate level of Loans to Assets ratio (77%).
Low Risk Deposits: SB1NO's Loans to Deposits ratio (179%) is high.
Level of Bad Loans: SB1NO has an appropriate level of bad loans (0.6%).
Discover healthy companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/05/19 10:30 |
| End of Day Share Price | 2025/05/19 00:00 |
| Earnings | 2025/03/31 |
| 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 |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* 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
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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
SpareBank 1 Sør-Norge ASA 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.
| Analyst | Institution |
|---|---|
| null null | ABG Sundal Collier |
| Fridtjof Berents | Arctic Securities ASA |
| Geir Kristiansen | Beringer Finance AB |