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XOSL
HSPG
Market cap11mUSD
Apr 28, Last price  
173.00NOK
1Q
17.69%
Jan 2017
73.00%
Name

Holand og Setskog Sparebank

Chart & Performance

D1W1MN
P/E
2.16
P/S
0.60
EPS
79.99
Div Yield, %
4.05%
Shrs. gr., 5y
—
Rev. gr., 5y
4.38%
Revenues
197m
+0.98%
65,90176,024,22384,910,13889,133,214117,446,000121,572,000123,282,000116,185,000139,155,000135,276,000146,720,000158,893,000165,138,000165,549,000181,172,000194,938,000196,854,000
Net income
55m
+609.26%
4,04217,640,56316,591,85714,169,02625,874,00027,118,00034,554,00027,572,00055,891,00046,532,00052,426,00056,055,00053,070,00052,978,00046,797,0007,757,77055,023,000
CFO
-540m
L
-143,425,000131,312,00030,672,00066,825,00049,395,00053,714,00048,291,00061,892,000-325,338,000-107,243,000-234,903,000155,763,0008,090,000266,894,999-539,827,000
Dividend
Mar 15, 20247 NOK/sh
Earnings
Aug 14, 2025

Profile

Høland og Setskog Sparebank provides banking services for the retail and corporate markets in Norway. It offers deposits and loans, as well as insurance products. The company was formerly known as Holand Sparebank and changed its name to Høland og Setskog Sparebank in 2010. The company was founded in 1849 and is headquartered in Bjørkelangen, Norway.
URL
https://hsbank.no/
IPO date
Jan 01, 1999
Employees
38
Domiciled in
NO
Incorporated in
NO

Valuation

Title
NOK in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFYFY
2024‑122023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
196,854
0.98%
194,938
7.60%
181,172
9.44%
Cost of revenue
(262,900)
6,185
Unusual Expense (Income)
NOPBT
196,854
457,838
174,987
NOPBT Margin
100.00%
234.86%
96.59%
Operating Taxes
14,774
14,956
11,188
Tax Rate
7.51%
3.27%
6.39%
NOPAT
182,080
442,882
163,799
Net income
55,023
609.26%
7,758
-83.42%
46,797
-11.67%
Dividends
(4,815)
(4,815)
(4,815)
Dividend yield
4.83%
5.38%
4.40%
Proceeds from repurchase of equity
BB yield
Debt
Debt current
340,192
Long-term debt
2,149,939
Deferred revenue
6,919,996
Other long-term liabilities
6,890,321
(2,149,939)
Net debt
(1,841,415)
(1,967,138)
1,133,634
Cash flow
Cash from operating activities
(539,827)
266,895
8,090
CAPEX
(15,967)
(1,648)
(6,649)
Cash from investing activities
(32,671)
10,051
(48,378)
Cash from financing activities
324,652
47,062
(83,724)
FCF
175,972
637,645
(62,366)
Balance
Cash
291,403
574,379
9,657
Long term investments
1,550,012
1,392,759
1,346,840
Excess cash
1,831,572
1,957,391
1,347,438
Stockholders' equity
123,813
826,864
882,945
Invested Capital
8,486,170
7,264,410
6,836,257
ROIC
2.31%
6.28%
2.40%
ROCE
2.29%
5.66%
2.27%
EV
Common stock shares outstanding
688
688
688
Price
145.00
11.54%
130.00
-18.24%
159.00
9.66%
Market cap
99,746
11.54%
89,427
-18.24%
109,376
9.66%
EV
(1,741,670)
(1,877,711)
1,243,010
EBITDA
196,854
464,649
180,003
EV/EBITDA
6.91
Interest
320,454
265,303
131,326
Interest/NOPBT
162.79%
57.95%
75.05%