S

Sparebank 1 Ostlandet
OSE:SPOL

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Sparebank 1 Ostlandet
OSE:SPOL
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Price: 154.16 NOK 0.26% Market Closed
Market Cap: 17.9B NOK
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Intrinsic Value

The intrinsic value of one SPOL stock under the Base Case scenario is 203.41 NOK. Compared to the current market price of 154.16 NOK, Sparebank 1 Ostlandet is Undervalued by 24%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

SPOL Intrinsic Value
203.41 NOK
Undervaluation 24%
Intrinsic Value
Price
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Valuation Backtest
Sparebank 1 Ostlandet

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

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Financials
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Balance Sheet Decomposition
Sparebank 1 Ostlandet

Net Loans 137.8B
Investments 38.2B
PP&E 601m
Intangibles 400m
Other Assets 14.8B
Total Deposits 118B
Long Term Debt 48.4B
Other Liabilities 4B
Earnings Calls

SpareBank 1 Østlandet started 2024 with record high earnings, achieving a return on equity of 17.4%, the highest since 2019. Earnings were driven mainly by a robust core banking business, growth in interest income, and increased lending and deposits. However, operating costs rose by 6% due to merger activities and the acquisition of an accounting firm. Loan losses remained low at 10 basis points. Despite solid profitability and increased customer dividends, the bank is cautious about ongoing challenging macroeconomic environments. Financial targets remain unchanged, focusing on sustainable growth and community contributions.

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Wall St
Price Targets

SPOL Price Targets Summary
Sparebank 1 Ostlandet

Wall Street analysts forecast SPOL stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for SPOL is 154.43 NOK with a low forecast of 146.45 NOK and a high forecast of 168 NOK.

Lowest
Price Target
146.45 NOK
5% Downside
Average
Price Target
154.43 NOK
0% Upside
Highest
Price Target
168 NOK
9% Upside
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Dividends

Dividend Yield
Lowest
Average
Highest
Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
Very
Unsafe
Unsafe
Safe
Very
Safe
0
25
50
75
100
Shareholder Yield

Current shareholder yield for SPOL is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
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Buyback Yield
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Average
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Profile

Sparebank 1 Ostlandet

Country

Norway

Industry

Banking

Market Cap

17.8B NOK

Dividend Yield

5.06%

Description

Sparebank 1 Østlandet provides commercial banking services. The company is headquartered in Hamar, Hedmark and currently employs 1,160 full-time employees. The company went IPO on 2017-06-13. The company is a part of SpareBank 1 alliance of major regional savings banks. The alliance consists of 16 banks and has 300 offices spread throughout the country. The company is Norway’s one of the largest finance groups in terms of assets. The Bank is a subsidiary of Sparebanken Hedmark Sparebankstiftelse.

Contact

HEDMARK
Hamar
Strandgata 15
www.sparebank1.no

IPO

2017-06-13

Employees

1 160

Officers

Chief Financial Officer
Mr. Geir-Egil Bolstad
Chief Operations Officer
Ms. Elin B. Ørbæk
Executive Vice President HR & Legal
Ms. Liv Krokan Murud
Executive Vice President of Communication & Social Affairs
Ms. Siv Stenseth
Executive Vice President of Corporate Division
Mr. Hans Olav Wedvik
Executive Vice President of Innovation & Business Development
Mr. Dag-Arne Hoberg
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Chief Risk Officer
Mr. Vidar Nordheim
Executive Vice President of Retail Division
Ms. Kari Elise Gisnas
Executive Vice President of Organisation Market & Capital Market Division
Mr. Espen Mejlænder-Larsen
Group CEO
Ms. Klara-Lise Aasen
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See Also

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What is the Intrinsic Value of one SPOL stock?

The intrinsic value of one SPOL stock under the Base Case scenario is 203.41 NOK.

Is SPOL stock undervalued or overvalued?

Compared to the current market price of 154.16 NOK, Sparebank 1 Ostlandet is Undervalued by 24%.

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