Stock ROMSB ROMSDAL SPAREBANK
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Financials Romsdal Sparebank

Equities

ROMSB

NO0010759988

Banks

Real-time Oslo Bors
Other stock markets
 10:45:00 2024-06-28 EDT 		5-day change 1st Jan Change
110.4 NOK -0.09% Intraday chart for Romsdal Sparebank +1.10% -7.23%
05-13 Romsdal Sparebank Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
02-08 Romsdal Sparebank Reports Earnings Results for the Fourth Quarter Ended December 31, 2023 CI

Valuation

Fiscal Period: December 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 235.8 251.5 261.3 233.8 216.9 - -
Enterprise Value (EV) 1 235.8 251.5 261.3 233.8 216.9 216.9 216.9
P/E ratio 23.7 x 15.7 x 15.1 x 13.8 x 10.3 x 10.7 x 11.8 x
Yield - 6.25% - - 7.7% 7.43% 6.79%
Capitalization / Revenue - 1.53 x 1.49 x 1.13 x 1.01 x 1 x 1.02 x
EV / Revenue - 1.53 x 1.49 x 1.13 x 1.01 x 1 x 1.02 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book - 1.22 x - - 0.85 x 0.84 x 0.83 x
Nbr of stocks (in thousands) 1,965 1,965 1,965 1,965 1,965 - -
Reference price 2 120.0 128.0 133.0 119.0 110.4 110.4 110.4
Announcement Date 3/3/21 2/24/22 2/14/23 2/8/24 - - -
1NOK in Million2NOK
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2020 2021 2022 2023 2024 2025 2026
Net sales 1 - 164.2 175.6 207.7 215.4 216.6 213.2
EBITDA - - - - - - -
EBIT 1 - 71.6 73.31 95.58 101.1 99.7 93.5
Operating Margin - 43.59% 41.75% 46.02% 46.94% 46.03% 43.86%
Earnings before Tax (EBT) 1 - 67.48 74.97 83.63 105.4 106 101.1
Net income 1 30.12 52.98 60.52 64.4 83.9 84.8 81
Net margin - 32.26% 34.47% 31.01% 38.95% 39.15% 37.99%
EPS 2 5.060 8.140 8.830 8.650 10.68 10.27 9.360
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 - 8.000 - - 8.500 8.200 7.500
Announcement Date 3/3/21 2/24/22 2/14/23 2/8/24 - - -
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 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4
Net sales 1 46.44 - - 44.47 49.42 48.48 52.06 55.1 53.27 54 53.8 54.4
EBITDA - - - - - - - - - - - -
EBIT 1 21.03 - - 16.94 22.44 19.82 28.59 22.91 26.08 29.9 24.4 20.8
Operating Margin 45.29% - - 38.08% 45.4% 40.89% 54.92% 41.57% 48.97% 55.37% 45.35% 38.24%
Earnings before Tax (EBT) 1 19.9 - 27.12 15.18 19.21 20.85 34.23 11.26 22.89 41.7 22.3 18.6
Net income 1 15.1 11.01 24.05 11.54 14.63 15.68 28.05 7.077 17.17 35.3 17.1 14.3
Net margin 32.52% - - 25.96% 29.61% 32.34% 53.87% 12.84% 32.23% 65.37% 31.78% 26.29%
EPS 2 1.845 6.420 - 1.790 - 8.530 3.900 - 9.110 3.530 2.180 1.830
Dividend per Share - - - - - - - - - - - -
Announcement Date 2/24/22 4/28/22 7/28/22 10/27/22 2/14/23 5/10/23 8/14/23 2/8/24 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) - 7.4% - 7.03% 8.2% 7.8% 7.1%
ROA (Net income/ Total Assets) - 0.82% - 0.93% 1.2% 1.1% 1%
Assets 1 - 6,439 - 6,914 6,992 7,709 8,100
Book Value Per Share 2 - 105.0 - - 131.0 132.0 132.0
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 3/3/21 2/24/22 2/14/23 2/8/24 - - -
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 Romsdal Sparebank

Trading Rating
Investor Rating
ESG Refinitiv
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
1
Last Close Price
110.4 NOK
Average target price
121 NOK
Spread / Average Target
+9.60%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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Commercial Banks
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