Tinde Sparebank Past Earnings Performance
Past criteria checks 2/6
Tinderebank has been growing earnings at an average annual rate of 21.9%, while the Banks industry saw earnings growing at 15.7% annually. Revenues have been growing at an average rate of 10.8% per year. Tinderebank's return on equity is 3.7%, and it has net margins of 10.3%.
Key information
21.90%
Earnings growth rate
12.29%
EPS growth rate
| Banks Industry Growth | 10.25% |
| Revenue growth rate | 10.82% |
| Return on equity | 3.72% |
| Net Margin | 10.30% |
| Last Earnings Update | 30 Jun 2025 |
Recent past performance updates
Revenue & Expenses Breakdown
How Tinde Sparebank makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Jun 25 | 237 | 24 | 87 | 0 |
| 31 Mar 25 | 226 | 27 | 81 | 0 |
| 31 Dec 24 | 219 | 26 | 76 | 0 |
| 30 Sep 24 | 211 | 24 | 73 | 0 |
| 30 Jun 24 | 201 | 22 | 71 | 0 |
| 31 Mar 24 | 196 | 20 | 69 | 0 |
| 31 Dec 23 | 196 | 18 | 67 | 0 |
| 30 Sep 23 | 199 | 20 | 68 | 0 |
| 30 Jun 23 | 196 | 20 | 60 | 0 |
| 31 Mar 23 | 186 | 19 | 58 | 0 |
| 31 Dec 22 | 177 | 17 | 56 | 0 |
| 30 Sep 22 | 176 | 18 | 54 | 0 |
| 30 Jun 22 | 169 | 17 | 54 | 0 |
| 31 Mar 22 | 165 | 16 | 54 | 0 |
| 31 Dec 21 | 160 | 16 | 53 | 0 |
| 30 Sep 21 | 153 | 12 | 52 | 0 |
| 30 Jun 21 | 150 | 16 | 51 | 0 |
| 31 Mar 21 | 145 | 23 | 50 | 0 |
| 31 Dec 20 | 137 | 9 | 51 | 0 |
| 30 Sep 20 | 137 | -1 | 58 | 0 |
| 30 Jun 20 | 138 | 0 | 71 | 0 |
| 31 Mar 20 | 136 | -3 | 79 | 0 |
| 31 Dec 19 | 137 | 9 | 80 | 0 |
| 30 Sep 19 | 132 | 6 | 77 | 0 |
| 30 Jun 19 | 132 | 7 | 76 | 0 |
| 31 Mar 19 | 130 | 5 | 80 | 0 |
| 31 Dec 18 | 129 | 7 | 88 | 0 |
| 30 Sep 18 | 127 | 3 | 82 | 0 |
| 30 Jun 18 | 124 | 1 | 80 | 0 |
| 31 Mar 18 | 124 | 6 | 72 | 0 |
| 31 Dec 17 | 125 | 9 | 69 | 0 |
| 31 Mar 17 | 89 | 5 | 47 | 0 |
| 31 Dec 16 | 77 | 3 | 38 | 0 |
| 31 Dec 15 | 72 | 20 | 38 | 0 |
| 31 Dec 14 | 72 | 22 | 34 | 0 |
Quality Earnings: TINDE has high quality earnings.
Growing Profit Margin: TINDE's current net profit margins (10.3%) are lower than last year (10.9%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: TINDE has become profitable over the past 5 years, growing earnings by 21.9% per year.
Accelerating Growth: TINDE's earnings growth over the past year (10.9%) is below its 5-year average (21.9% per year).
Earnings vs Industry: TINDE earnings growth over the past year (10.9%) did not outperform the Banks industry 13.3%.
Return on Equity
High ROE: TINDE's Return on Equity (3.7%) is considered low.
Return on Assets
Return on Capital Employed
Discover strong past performing companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/10/05 00:58 |
| End of Day Share Price | 2025/10/03 00:00 |
| Earnings | 2025/06/30 |
| 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 |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| 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
Tinde Sparebank 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 |
|---|---|
| Ignas Lekštys | Norne Securities AS |
| Nojus Juozapavicius | Norne Securities AS |