profit from every NOK 100 of sales.
NOK 0NOK 100
SpareBank 1 Ringerike Hadeland
NOK 448.00+0.22% today
+13.1% in 1 year
1-year low NOK 396.001-year high NOK 485.00
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay NOK 9.55 for every NOK 1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What SpareBank 1 Ringerike Hadeland sold, what it kept, and what it did with the cash.
Sales went from NOK 922 million in 2022 to NOK 1.37 billion in 2025, with NOK 734 million of profit last year.
SalesProfit
SpareBank 1 Ringerike Hadeland handed back 47% of the cash it generated last year.
NOK 482M
Free cash flow 2025NOK 1.0B
Bought back its own shares–
Paid as dividendsNOK 482M
Cash vs. debtNOK 102M vs. NOK 4.4B
SpareBank 1 Ringerike Hadeland vs. similar companies
SpareBank 1 Ringerike Hadeland grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from NOK 100 of sales | Sales growth a year | Price per NOK 1 of profit |
|---|---|---|---|
| SpareBank 1 Ringerike Hadeland | 9.6× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads SpareBank 1 Ringerike Hadeland's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of NOK | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 922 | 1,085 | 1,294 | 1,368 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 421 | 461 | 704 | 734 | |
| 25.32 | 28.68 | 44.00 | 47.00 | |
| – | – | – | – | |
| – | – | – | – | |
| 45.6% | 42.5% | 54.4% | 53.7% |
Balance sheet
| In millions of NOK | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 29,610 | 30,294 | 31,534 | 32,744 |
| Cash | 90 | 103 | 110 | 102 |
| Total debt | 5,800 | 5,728 | 4,863 | 4,391 |
| Total liabilities | 25,285 | 25,540 | 26,252 | 27,210 |
| 4,324 | 4,753 | 5,281 | 5,534 | |
| 17 | 16 | 16 | 16 | |
| – | – | – | – | |
| 9.7% | 9.7% | 13.3% | 13.3% |
Cash flow
| In millions of NOK | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 157 | 310 | 1,481 | 1,056 | |
| – | – | – | 31 | |
| 157 | 310 | 1,481 | 1,025 | |
| Dividends paid | 260 | 211 | 322 | 482 |
| – | – | – | – | |
| – | – | – | – |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 9.6×
- –
- 0.42
- 1.2×
- 5.1×
- 10.5%
- 6.9%
Profitability
- 53.7%
- –
- –
- –
- –
Growth
- +14.0%
- +22.9%
- –
- −2.0%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 27%of 883
Top 37%of 880
Top 14%of 929
6.9%of the share price, paid each year
On $1,000 invested$69a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
65.7% of its profit
Room to growStretchedMore than it earns: 47.0%
News
From doorbell to drones: Amazon introduces the future of home security with Ring RoboticsSeeking Alpha · Nov 10, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
Not enough data
Questions about SpareBank 1 Ringerike Hadeland
Is SpareBank 1 Ringerike Hadeland a good stock to buy?
A strong, very profitable business, and the price looks low. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the SpareBank 1 Ringerike Hadeland AI analysis
What does SpareBank 1 Ringerike Hadeland do?
SpareBank 1 Ringerike Hadeland, a financial institution, provides various banking products and services to private and corporate customers in Norway. The company offers Current, Buffer, and Savings accounts. It is in Banks - Regional, based in Hønefoss, Norway, with 266 employees.
Does SpareBank 1 Ringerike Hadeland pay a dividend?
Yes. At today's price the dividend is 6.9% a year, about 66% of its yearly profit. In 2025 it paid out NOK 482 million in dividends.
Is SpareBank 1 Ringerike Hadeland stock halal?
No. SpareBank 1 Ringerike Hadeland does not pass our halal screen: its main business, banking, is not permitted. How we check
How has SpareBank 1 Ringerike Hadeland stock done over the past year?
Up 13.1% over the past twelve months, to NOK 448.00. It traded between NOK 396.00 and NOK 485.00 and is 7.6% below its high.
Who are SpareBank 1 Ringerike Hadeland's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with SpareBank 1 Ringerike Hadeland's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.