profit from every NOK 100 of sales.
NOK 0NOK 100
SpareBank 1 Østfold Akershus
NOK 447.10-2.80% today
-0.9% in 1 year
1-year low NOK 425.001-year high NOK 476.00
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 8.43 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 Østfold Akershus sold, what it kept, and what it did with the cash.
Sales went from NOK 945 million in 2022 to NOK 1.23 billion in 2025, with NOK 657 million of profit last year.
SalesProfit
SpareBank 1 Østfold Akershus handed back 1% of the cash it generated last year.
Buybacks NOK 8M
Free cash flow 2025NOK 716M
Bought back its own sharesNOK 8M
Paid as dividends–
Cash vs. debtNOK 98M vs. NOK 4.8B
SpareBank 1 Østfold Akershus vs. similar companies
SpareBank 1 Østfold Akershus 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 Østfold Akershus | 8.4× · 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 Østfold Akershus'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 |
|---|---|---|---|---|
| 945 | 1,117 | 1,185 | 1,234 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 452 | 493 | 651 | 657 | |
| 34.17 | 37.27 | 49.01 | 49.41 | |
| – | – | – | – | |
| – | – | – | – | |
| 47.8% | 44.1% | 54.9% | 53.2% |
Balance sheet
| In millions of NOK | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 26,674 | 28,025 | 29,421 | 31,406 |
| Cash | 93 | 101 | 100 | 98 |
| Total debt | 3,909 | 4,370 | 4,894 | 4,797 |
| Total liabilities | 22,373 | 23,505 | 24,383 | 26,138 |
| 4,301 | 4,520 | 5,038 | 5,268 | |
| 12 | 12 | 12 | 12 | |
| – | – | – | – | |
| 10.5% | 10.9% | 12.9% | 12.5% |
Cash flow
| In millions of NOK | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 315 | 334 | -491 | 722 | |
| 15 | – | 13 | 6 | |
| 300 | 334 | -504 | 716 | |
| Dividends paid | 214 | 236 | 287 | – |
| 6 | 6 | 6 | 8 | |
| – | – | – | – |
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
- 8.4×
- –
- 0.64
- 1.0×
- 4.5×
- 11.9%
- –
Profitability
- 53.2%
- –
- –
- –
- –
Growth
- +9.3%
- +13.1%
- –
- +0.0%
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 21%of 900
Top 44%of 908
Top 17%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 Østfold Akershus
Is SpareBank 1 Østfold Akershus 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 Østfold Akershus AI analysis
What does SpareBank 1 Østfold Akershus do?
SpareBank 1 Østfold Akershus operates as a savings bank that provides various banking products and services in Norway. It offers savings in funds; savings accounts; savings for children and retirement; and stocks and investment products. It is in Banks - Regional, based in Moss, Norway, with 262 employees.
Is SpareBank 1 Østfold Akershus stock halal?
No. SpareBank 1 Østfold Akershus does not pass our halal screen: its main business, banking, is not permitted. How we check
How has SpareBank 1 Østfold Akershus stock done over the past year?
Down 0.9% over the past twelve months, to NOK 447.10. It traded between NOK 425.00 and NOK 476.00 and is 6.1% below its high.
Who are SpareBank 1 Østfold Akershus'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 Østfold Akershus's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.