Stock SADG SANDNES SPAREBANK
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Financials Sandnes Sparebank

Equities

SADG

NO0006001007

Banks

Market Closed - Oslo Bors
Other stock markets
 10:45:00 2024-04-26 am EDT 		5-day change 1st Jan Change
98 NOK +0.93% Intraday chart for Sandnes Sparebank +2.94% +7.22%
Feb. 13 Sandnes Sparebank Reports Earnings Results for the Fourth Quarter and Full Year Ended December 31, 2023 CI
2023 Sandnes Sparebank Reports Earnings Results for the Third Quarter and Nine Months Ended September 30, 2023 CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 1,539 1,556 2,068 1,964 1,919 2,059 - -
Enterprise Value (EV) 1 1,539 1,556 2,068 1,964 1,919 2,059 2,059 2,059
P/E ratio 8.48 x 9.42 x 11.6 x 11.6 x 9.14 x 8.77 x 8.61 x 8.51 x
Yield 8.81% - 5.41% 6.45% 8.21% 8.13% 8.42% 8.74%
Capitalization / Revenue 2.5 x 2.57 x 3.39 x 3.02 x 2.7 x 2.35 x 2.25 x 2.2 x
EV / Revenue 2.5 x 2.57 x 3.39 x 3.02 x 2.7 x 2.35 x 2.25 x 2.2 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.81 x 0.86 x 1.1 x 0.93 x 0.86 x 0.91 x 0.88 x 0.86 x
Nbr of stocks (in thousands) 22,965 20,915 20,931 20,933 20,998 21,012 - -
Reference price 2 67.00 74.40 98.80 93.80 91.40 98.00 98.00 98.00
Announcement Date 2/13/20 2/10/21 2/10/22 2/8/23 2/13/24 - - -
1NOK in Million2NOK
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 616.4 604.6 610.4 649.5 711.2 875.4 913.7 935.2
EBITDA - - - - - - - -
EBIT 1 346.9 335.6 295.9 325.4 406.4 492.2 499.3 508.5
Operating Margin 56.28% 55.51% 48.48% 50.1% 57.15% 56.23% 54.64% 54.38%
Earnings before Tax (EBT) 1 333.4 310.9 328.2 314 395.8 483.3 487.2 495.7
Net income 1 276.9 259.3 325.3 266.2 329.9 397.6 404.7 408.3
Net margin 44.92% 42.88% 53.29% 40.98% 46.39% 45.42% 44.29% 43.66%
EPS 2 7.900 7.900 8.500 8.100 10.00 11.17 11.38 11.52
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 5.900 - 5.350 6.050 7.500 7.967 8.250 8.567
Announcement Date 2/13/20 2/10/21 2/10/22 2/8/23 2/13/24 - - -
1NOK in Million2NOK
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 148.2 148.5 152.6 199 144.7 153.2 162 220.6 199.5 192.4 202 237.5 214.6 221.2 227
EBITDA - - - - - - - - - - - - - - -
EBIT 1 74.52 75.4 76 113.2 65.34 70.87 76.17 122.9 114.8 92.53 111.4 146.4 121 113 120
Operating Margin 50.28% 50.76% 49.8% 56.86% 45.17% 46.26% 47.03% 55.7% 57.55% 48.08% 55.16% 61.66% 56.4% 51.07% 52.86%
Earnings before Tax (EBT) 1 66.17 78.45 74.52 111.5 63.78 64.28 74.76 111.5 121.2 88.38 106.4 158 113.4 105.4 107.1
Net income 1 59.02 117.9 209.6 102.2 48.66 48.44 66.19 102.1 92.64 68.54 94.63 136 86.76 80.19 97.35
Net margin 39.82% 79.38% 137.35% 51.36% 33.64% 31.62% 40.86% 46.29% 46.43% 35.61% 46.86% 57.27% 40.43% 36.25% 42.89%
EPS 2 1.800 2.200 2.000 3.100 1.500 1.500 2.000 3.100 2.800 2.100 2.840 4.097 2.427 2.253 2.663
Dividend per Share 2 - - - - - 6.050 - - - - 4.150 - - 8.100 -
Announcement Date 11/3/21 2/10/22 5/11/22 8/11/22 11/8/22 2/8/23 5/11/23 8/9/23 11/8/23 2/13/24 - - - - -
1NOK in Million2NOK
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 9.6% 9% 9.7% 8.5% 9.9% 10.9% 10.3% 10%
ROA (Net income/ Total Assets) 1% 0.9% 1.11% 0.86% 0.99% 1.05% 1.05% 1%
Assets 1 27,684 28,697 29,303 30,806 33,318 37,863 38,542 40,831
Book Value Per Share 2 83.00 86.80 90.20 100.0 107.0 108.0 111.0 114.0
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 2/13/20 2/10/21 2/10/22 2/8/23 2/13/24 - - -
1NOK in Million2NOK
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Sandnes Sparebank

Trading Rating
Investor Rating
ESG Refinitiv
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
3
Last Close Price
98 NOK
Average target price
107.3 NOK
Spread / Average Target
+9.52%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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