HOLAND OG SETSKOG SPAREBANKHOLAND OG SETSKOG SPAREBANKHOLAND OG SETSKOG SPAREBANK

HOLAND OG SETSKOG SPAREBANK

140.00NOKD
−2.00−1.41%
At close at Jan 10, 13:32 UTC
NOK
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HSPG fundamentals

Key facts

Market capitalization‪96.31 M‬NOK
Founded1849
CEOJohn Sigurd Bjørknes
Websitehsbank.no
About

Høland og Setskog Sparebank engages in the provision of financial and banking services. It operates through the Private and Corporate Market segments. The Private Market segment includes mortgage, auto insurance, savings, credit, and mobile banking products. The Corporate Market segment offers payment, finance, insurance, and pension products to corporate customers. The company was founded on June 6, 1849 and is headquartered in Bjorkelangen, Norway.

Ownership
‪‪687.90 K‬‬
Free Float shares
‪‪464.22 K‬‬ (67.48%)
Closely held shares
‪‪223.68 K‬‬ (32.52%)
Free Float shares
‪‪464.22 K‬‬ (67.48%)
Closely held shares
‪‪223.68 K‬‬ (32.52%)
Capital structure
Market cap
‪‪96.31 M‬‬
Debt
‪‪2.72 B‬‬
Cash & equivalents
‪‪254.87 M‬‬
Enterprise value
‪‪2.56 B‬‬

Valuation

Fundamental metrics to determine fair value of the stock

Summary
‪‪96.31 M‬‬
Price to earning ratio (P/E)
13.74x
Price to sales ratio (P/S)
0.19x
Market Cap
Net income
Revenue
Price to earning ratio (P/E)
13.74x
Price to sales ratio (P/S)
0.19x
Valuation ratios
‪0.00‬
‪0.05‬
‪0.10‬
‪0.15‬
‪0.20‬
Q3 '23
Q4 '23
Q1 '24
Q2 '24
Q3 '24
‪0.00‬
‪3.50‬
‪7.00‬
‪10.50‬
‪14.00‬
P/E
P/S

Growth and Profitability

Company’s recent performance and margins

Performance
‪0.95%‬
‪1.25%‬
‪1.55%‬
‪1.85%‬
‪2.15%‬
Q3 '23
Q4 '23
Q1 '24
Q2 '24
Q3 '24
‪0.00‬
‪‪35.00 M‬‬
‪‪70.00 M‬‬
‪‪105.00 M‬‬
‪‪140.00 M‬‬
Total revenue
Net income
Net margin %
Revenue to profit conversion
Total revenue
Int. expense & PCL
Non-int. expense
Op income
Unusual income/ expense
Pretax income
Taxes & Other
Net income
‪0.00‬
‪‪35.00 M‬‬
‪‪70.00 M‬‬
‪‪105.00 M‬‬
‪‪140.00 M‬‬
Total revenue
Int. & Non-int. expenses
Op income
Expenses & adjustments
Net income
‪0.00‬
‪‪35.00 M‬‬
‪‪70.00 M‬‬
‪‪105.00 M‬‬
‪‪140.00 M‬‬

Revenue breakdown

Revenue streams and regions a business earns money from

By source/business
Period: 2023
Private Market
Unallocated
Business Market
By country
Period: 2023
Norway

Estimates

Revenue and Earnings forecasts and estimates accuracy

Revenue
Q4 '23
Q1 '24
Q2 '24
Q3 '24
Q4 '24
‪0.00‬
‪‪13.00 M‬‬
‪‪26.00 M‬‬
‪‪39.00 M‬‬
‪‪52.00 M‬‬
Actual
Estimate
Earnings
Next:Feb 13
Q4 '23
Q1 '24
Q2 '24
Q3 '24
Q4 '24
‪0.00‬
‪0.90‬
‪1.80‬
‪2.70‬
‪3.60‬
Actual
Estimate

Dividends

Dividend yield, history and sustainability

Dividend summary
67.75%
Earnings retained
Payout ratio (TTM)
Dividend yield TTM
5.00%
Last payment
7.00
Last ex-date
Mar 15, 2024
Dividend history
‪0%‬
‪2%‬
‪4%‬
‪6%‬
‪8%‬
2019
2020
2021
2022
2023
‪0.00‬
‪2.00‬
‪4.00‬
‪6.00‬
‪8.00‬
Dividends per share (FY)
Dividend yield (FY) %

Financial health

Financial position and solvency of the company

Loans and customer deposits
Q3 '23
Q4 '23
Q1 '24
Q2 '24
Q3 '24
‪‪−2.50 B‬‬
‪0.00‬
‪‪2.50 B‬‬
‪‪5.00 B‬‬
‪‪7.50 B‬‬
Net loans
Total deposits
Loan loss allowances
Capital adequacy analysis
Q3 '23
Q4 '23
Q1 '24
Q2 '24
Q3 '24
‪0.00‬
‪6.00‬
‪12.00‬
‪18.00‬
‪24.00‬
Common equity Tier 1 ratio
Tier 1 capital ratio
Total capital ratio