Stock TOTG TOTENS SPAREBANK
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Financials Totens Sparebank

Equities

TOTG

NO0006001205

Banks

Real-time Oslo Bors
Other stock markets
 15:45:00 16/05/2024 BST 		5-day change 1st Jan Change
238 NOK -2.10% Intraday chart for Totens Sparebank -1.00% +15.53%
05-02 Totens Sparebank Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
02-23 Totens Sparebank Investors Approve Merger With SpareBank 1 Østlandet MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 851.3 875.8 1,323 1,347 1,262 1,458 - -
Enterprise Value (EV) 1 851.3 875.8 1,323 1,347 1,262 1,458 1,458 1,458
P/E ratio 7.69 x 9.64 x 12.6 x 11.3 x 9.2 x 9.45 x 9.1 x 8.97 x
Yield 6.12% 4.72% 4.63% - - 5.88% 5.88% 6.3%
Capitalization / Revenue 2.66 x 2.72 x 3.82 x 3.23 x 2.43 x 2.66 x 2.7 x 2.66 x
EV / Revenue 2.66 x 2.72 x 3.82 x 3.23 x 2.43 x 2.66 x 2.7 x 2.66 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.91 x 0.88 x 1.25 x - - 1.1 x 1 x 0.95 x
Nbr of stocks (in thousands) 6,125 6,125 6,125 6,125 6,125 6,125 - -
Reference price 2 139.0 143.0 216.0 220.0 206.0 238.0 238.0 238.0
Announcement Date 11/02/20 09/02/21 09/02/22 07/02/23 12/02/24 - - -
1NOK in Million2NOK
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 319.9 322.6 346.5 417.3 518.6 549 540.1 549
EBITDA - - - - - - - -
EBIT 1 253.6 230.8 235.9 306.4 379.9 406.6 391.7 394.7
Operating Margin 79.27% 71.55% 68.09% 73.42% 73.25% 74.06% 72.52% 71.89%
Earnings before Tax (EBT) 246.2 223.6 264 310.6 377.2 - - 406.3
Net income 1 193.3 180 209.5 244.6 292.4 327 324.3 324.9
Net margin 60.42% 55.79% 60.47% 58.62% 56.38% 59.56% 60.04% 59.18%
EPS 2 18.07 14.84 17.11 19.40 22.38 25.19 26.14 26.52
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 8.500 6.750 10.00 - - 14.00 14.00 15.00
Announcement Date 11/02/20 09/02/21 09/02/22 07/02/23 12/02/24 - - -
1NOK in Million2NOK
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 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 92.82 91.27 97.11 108.5 120.4 141.9 127.6 134.2 133.6 157.4 134.8 139.1 139.7
EBITDA - - - - - - - - - - - - -
EBIT 1 68.81 61.92 99.63 79.66 90.93 88.31 99.09 103.3 90.03 98.03 98.4 105.9 105.4
Operating Margin 74.13% 67.84% 102.59% 73.44% 75.5% 62.25% 77.65% 77.02% 67.38% 62.26% 73% 76.13% 75.45%
Earnings before Tax (EBT) 1 69.52 55.54 97.72 75.89 81.45 77.11 125.8 92.86 81.05 93.84 124.5 99.7 100.6
Net income 1 54.68 42.26 83.44 57.78 61.14 58.57 102.7 70.54 60.18 71.13 102.7 75.6 76.7
Net margin 58.91% 46.3% 85.92% 53.27% 50.77% 41.29% 80.45% 52.57% 45.03% 45.18% 76.19% 54.35% 54.9%
EPS 2 4.470 3.330 6.700 4.600 4.810 4.460 7.940 5.390 4.550 5.420 8.130 5.990 6.070
Dividend per Share - - - - - - - - - - - - -
Announcement Date 09/02/22 28/04/22 11/08/22 27/10/22 07/02/23 27/04/23 31/08/23 26/10/23 12/02/24 03/05/24 - - -
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) 10.6% 9.14% 9.92% - - - - 10.8%
ROA (Net income/ Total Assets) 1.18% 1.01% 1.06% - - 1.4% 1.4% 1.3%
Assets 1 16,387 17,870 19,746 - - 23,357 23,164 24,992
Book Value Per Share 2 153.0 162.0 173.0 - - 217.0 237.0 250.0
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 11/02/20 09/02/21 09/02/22 07/02/23 12/02/24 - - -
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 Totens Sparebank

Trading Rating
Investor Rating
ESG Refinitiv
More Ratings

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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