profit from every NOK 100 of sales.
NOK 0NOK 100
SpareBank 1 Sør-Norge
NOK 239.00+0.42% today
+24.3% in 1 year
1-year low NOK 185.001-year high NOK 239.50
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2021 to 2023.
0%20% a year
You pay NOK 19.71 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 Sør-Norge sold, what it kept, and what it did with the cash.
Sales went from NOK 5.98 billion in 2021 to NOK 8.46 billion in 2023, with NOK 4.48 billion of profit last year.
SalesProfit
SpareBank 1 Sør-Norge handed back 21% of the cash it generated last year.
NOK 1.8B
Free cash flow 2023NOK 8.5B
Bought back its own shares–
Paid as dividendsNOK 1.8B
Cash vs. debtNOK 88M vs. NOK 161.7B
SpareBank 1 Sør-Norge vs. similar companies
SpareBank 1 Sør-Norge grows in the middle of these 5 and is the most expensive for its profits.
| Company | Profit from NOK 100 of sales | Sales growth a year | Price per NOK 1 of profit |
|---|---|---|---|
| SpareBank 1 Sør-Norge | 19.7× · Fair price | ||
 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 Sør-Norge'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 | 2021 | 2023 |
|---|---|---|
| 5,975 | 8,455 | |
| – | – | |
| – | – | |
| – | – | |
| – | 4,475 | |
| – | 16.27 | |
| – | – | |
| – | – | |
| – | 52.9% |
Balance sheet
| In millions of NOK | 2021 | 2023 |
|---|---|---|
| Total assets | – | 362,186 |
| Cash | – | 88 |
| Total debt | – | 161,731 |
| Total liabilities | – | 328,626 |
| – | 33,560 | |
| – | 264 | |
| – | – | |
| – | 13.3% |
Cash flow
| In millions of NOK | 2021 | 2023 |
|---|---|---|
| – | 8,663 | |
| – | 124 | |
| – | 8,539 | |
| Dividends paid | – | 1,790 |
| – | – | |
| – | – |
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
- 19.7×
- –
- –
- 2.1×
- 10.4×
- 5.1%
- –
Profitability
- 52.9%
- –
- –
- –
- –
Growth
- +19.0%
- –
- –
- +13.6%
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.
Bottom 28%of 900
Top 24%of 908
Top 26%of 941
News
No recent news on file.
Insider 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 Sør-Norge
Is SpareBank 1 Sør-Norge a good stock to buy?
A strong, very profitable business at a fair price. 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 Sør-Norge AI analysis
What does SpareBank 1 Sør-Norge do?
SpareBank 1 Sør-Norge ASA, together with its subsidiaries, provides various financial products and services for personal and corporate customers in Norway. The company operates through Retail Market, Corporate Market, SME & Agriculture, and Other Activities segments. It is in Banks - Regional, based in Stavanger, Norway, with 2,261 employees.
Does SpareBank 1 Sør-Norge pay a dividend?
Yes. In 2023 it paid out NOK 1.79 billion in dividends.
Is SpareBank 1 Sør-Norge stock halal?
No. SpareBank 1 Sør-Norge does not pass our halal screen: its main business, banking, is not permitted. How we check
How has SpareBank 1 Sør-Norge stock done over the past year?
Up 24.3% over the past twelve months, to NOK 239.00. It traded between NOK 185.00 and NOK 239.50, close to its high.
Who are SpareBank 1 Sør-Norge'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 Sør-Norge's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.