Stock HSPG HØLAND OG SETSKOG SPAREBANK
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Financials Høland og Setskog Sparebank

Equities

HSPG

NO0010012636

Banks

Market Closed - Oslo Bors
Other stock markets
 15:45:00 07/06/2024 BST 		5-day change 1st Jan Change
125 NOK -5.27% Intraday chart for Høland og Setskog Sparebank -5.27% -3.85%
04-26 Høland og Setskog Sparebank Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
02-28 Høland og Setskog Sparebank Reports Earnings Results for the Full Year Ended December 31, 2023 CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 80.48 87.36 99.75 109.4 89.43 85.99 - -
Enterprise Value (EV) 1 80.48 87.36 99.75 109.4 89.43 85.99 85.99 85.99
P/E ratio 6.8 x 10.8 x 12.2 x 15.6 x 13 x 11.9 x 10.8 x 9.8 x
Yield 6.84% 3.94% 4.83% - - 5.6% 5.6% 6.4%
Capitalization / Revenue 0.53 x 0.55 x 0.58 x 0.64 x 0.49 x 0.48 x 0.46 x 0.44 x
EV / Revenue 0.53 x 0.55 x 0.58 x 0.64 x 0.49 x 0.48 x 0.46 x 0.44 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.84 x 0.88 x 0.93 x - - 0.67 x 0.66 x 0.64 x
Nbr of stocks (in thousands) 688 688 688 688 688 687.9 - -
Reference price 2 117.0 127.0 145.0 159.0 130.0 125.0 125.0 125.0
Announcement Date 07/02/20 12/02/21 11/02/22 16/02/23 28/02/24 - - -
1NOK in Million2NOK
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 151.6 158.8 170.7 171.9 182.1 179.6 186.8 196.8
EBITDA - - - - - - - -
EBIT 1 80.58 85.91 89.03 - 86.6 82.8 87.6 95.4
Operating Margin 53.14% 54.11% 52.17% - 47.55% 46.1% 46.9% 48.48%
Earnings before Tax (EBT) 1 71.93 66.86 66.98 57.99 65.76 64 72.2 83
Net income 1 56.06 53.07 52.98 46.8 50.8 49.6 56.3 64.7
Net margin 36.97% 33.43% 31.04% 27.23% 27.9% 27.62% 30.14% 32.88%
EPS 2 17.20 11.77 11.84 10.17 10.00 10.52 11.54 12.75
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 8.000 5.000 7.000 - - 7.000 7.000 8.000
Announcement Date 07/02/20 12/02/21 11/02/22 16/02/23 28/02/24 - - -
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
Net sales 1 40.77 45.98 38.21 41.97 44.96 - 42.73 45.11 46.44 47.83 42.68 44.3 44 48.7
EBITDA - - - - - - - - - - - - - -
EBIT 1 19.97 24.07 16.38 19.09 22.12 - 18.69 21.87 22.35 23.69 19.49 20.3 19.1 23.9
Operating Margin 48.99% 52.34% 42.85% 45.49% 49.21% - 43.75% 48.48% 48.12% 49.52% 45.66% 45.82% 43.41% 49.08%
Earnings before Tax (EBT) 1 15.08 12.88 12.1 23.06 14.57 8.253 11.65 18.43 21.94 13.74 16.98 18.4 11.5 17.1
Net income 1 11.28 11.09 8.799 20.66 11.17 - 8.448 17.33 15.64 9.384 12.48 15.6 8.6 12.8
Net margin 27.66% 24.11% 23.03% 49.22% 24.85% - 19.77% 38.42% 33.68% 19.62% 29.25% 35.21% 19.55% 26.28%
EPS 2 2.700 2.420 2.100 4.940 2.670 1.170 1.580 3.550 3.270 1.730 2.330 3.340 1.840 2.740
Dividend per Share - - - - - - - - - - - - - -
Announcement Date 22/10/21 11/02/22 03/05/22 16/08/22 28/10/22 16/02/23 10/05/23 15/08/23 27/10/23 28/02/24 26/04/24 - - -
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) 8.8% 7.72% 7.14% - - 5.8% 6.2% 6.7%
ROA (Net income/ Total Assets) 0.92% 0.78% 0.71% - - 0.6% 0.7% 0.7%
Assets 1 6,066 6,801 7,439 - - 8,267 8,043 9,243
Book Value Per Share 2 140.0 144.0 156.0 - - 186.0 190.0 195.0
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 07/02/20 12/02/21 11/02/22 16/02/23 28/02/24 - - -
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 Høland og Setskog Sparebank

Trading Rating
Investor Rating
ESG Refinitiv
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
SELL
Number of Analysts
1
Last Close Price
125 NOK
Average target price
122 NOK
Spread / Average Target
-2.40%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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