Stock NISB NIDAROS SPAREBANK
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Financials Nidaros Sparebank

Equities

NISB

NO0010733082

Banks

Real-time Oslo Bors
Other stock markets
 04:57:23 2024-06-26 EDT 		5-day change 1st Jan Change
111.5 NOK -3.04% Intraday chart for Nidaros Sparebank -4.77% -0.45%
05-13 Nidaros Sparebank Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
03-07 Nidaros Sparebank Reports Earnings Results for the Full Year Ended December 31, 2023 CI

Valuation

Fiscal Period: December 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 108.3 127.5 124.1 126.4 129.8 - -
Enterprise Value (EV) 1 108.3 127.5 124.1 126.4 129.8 129.8 129.8
P/E ratio 15.5 x 18 x 19.2 x 17.7 x 13.6 x 14.1 x 13.7 x
Yield - 5.19% 7.82% - 6.17% 5.91% 6.17%
Capitalization / Revenue - 1.4 x 1.23 x 1.02 x 1 x 0.98 x 0.95 x
EV / Revenue - 1.4 x 1.23 x 1.02 x 1 x 0.98 x 0.95 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book - 0.96 x 0.9 x - 0.98 x 0.97 x 0.95 x
Nbr of stocks (in thousands) 1,129 1,129 1,129 1,129 1,129 - -
Reference price 2 96.00 113.0 110.0 112.0 115.0 115.0 115.0
Announcement Date 3/4/21 3/10/22 3/8/23 3/7/24 - - -
1NOK in Million2NOK
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2020 2021 2022 2023 2024 2025 2026
Net sales 1 - 91.09 101.2 123.8 129.7 132 137.1
EBITDA - - - - - - -
EBIT 1 - 27.08 39.52 46.05 51.7 52.9 56.8
Operating Margin - 29.73% 39.04% 37.2% 39.86% 40.08% 41.43%
Earnings before Tax (EBT) 1 - 35.27 34.27 42.32 54.5 54.9 59.5
Net income 1 27.65 27.75 27.13 33.38 43 43.3 47
Net margin - 30.47% 26.81% 26.96% 33.15% 32.8% 34.28%
EPS 2 6.200 6.290 5.730 6.340 8.470 8.130 8.400
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 - 5.860 8.600 - 7.100 6.800 7.100
Announcement Date 3/4/21 3/10/22 3/8/23 3/7/24 - - -
1NOK in Million2NOK
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4
Net sales 1 22.96 - 22.98 25.54 29.4 29.82 30.75 31.33 31.89 - 32.4 32.1 32.2
EBITDA - - - - - - - - - - - - -
EBIT 1 2.28 - 10.78 9.21 10.67 - 14.67 12 6.304 - 16 14.7 7.9
Operating Margin 9.93% - 46.91% 36.06% 36.31% - 47.7% 38.29% 19.77% - 49.38% 45.79% 24.53%
Earnings before Tax (EBT) 1 1.839 - 11.11 9.123 9.065 14.33 12.49 9.067 6.438 15.57 17.1 14.1 7.7
Net income 1 2.767 3.72 8.345 6.828 8.238 10.77 9.294 23.36 6.465 12.3 13.7 11 6
Net margin 12.05% - 36.32% 26.73% 28.02% 36.12% 30.23% 74.57% 20.27% - 42.28% 34.27% 18.63%
EPS 2 - - 8.250 6.050 - - - - - - 2.840 2.270 1.250
Dividend per Share 2 - - - - 8.600 - - - - - - - -
Announcement Date 3/10/22 5/12/22 8/12/22 11/11/22 3/8/23 5/11/23 8/10/23 11/10/23 3/7/24 5/13/24 - - -
1NOK in Million2NOK
Estimates

Balance Sheet Analysis

Fiscal Period: December 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) - 5.31% 5% - 7.5% 6.9% 7%
ROA (Net income/ Total Assets) - 0.66% 0.63% - 0.9% 0.9% 0.9%
Assets 1 - 4,231 4,337 - 4,778 4,811 5,222
Book Value Per Share 2 - 117.0 122.0 - 118.0 119.0 121.0
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 3/4/21 3/10/22 3/8/23 3/7/24 - - -
1NOK in Million2NOK
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Nidaros Sparebank

Trading Rating
Investor Rating
ESG Refinitiv
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
1
Last Close Price
115 NOK
Average target price
108 NOK
Spread / Average Target
-6.09%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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Commercial Banks
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