Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Bien Sparebank ASA is a Norwegian savings bank that provides everyday banking and financial services to individuals and businesses, with a strong focus on the Oslo area. Its core offerings include payment services, savings accounts, loans, insurance, and pension-related products, supporting both private customers and small and medium-sized enterprises. The bank operates as an independent regional institution, combining retail banking and corporate banking services through a local presence and relationship-based model. Bien Sparebank ASA plays a practical role in Norway’s financial system by offering deposit, lending, and insurance solutions tailored to local market needs. The company is headquartered in Oslo, Norway, and serves as a specialized provider within the regional banking segment.
NOK 12.40
+NOK 0.10 (+0.81%)
EOD Jul 1, 2026
38.26% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue grew 11.3% YoY.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
1.1x earnings. Below the sector average, the market may be pricing in credit losses or regulatory headwinds, or there's genuine value here.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
NOK 171M
▲ +11.3% YoY
Net Income (TTM)
NOK 65M
▲ +7.3% YoY
Net Margin
38.08%
P/E
1.1x
Balance Sheet
Total Assets
NOK 6.13B
Equity
NOK 771M
Total Debt
NOK 1.40B
Cash & Equiv.
NOK 74M
3Y CAGR: +12.9%
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At a P/E of 1.1, A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in .
On quality, Bien Sparebank ASA scores 84/100 on Intrinsiqq's quality scorecard (a high-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 43.1%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Bien Sparebank ASA scores 84 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a high-quality business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Bien Sparebank ASA pays a regular dividend of about NOK 5.35 per share per year (typically in quarterly installments), a yield of roughly 43.1% at the current price. That is a payout ratio of about 46.7% of earnings, so the dividend is well covered. Bien Sparebank ASA has grown the dividend at roughly 37.5% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For BIEN.XOSL's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. you should weigh BIEN.XOSL's valuation and scores 84/100 on quality (high-quality). It also yields about 43.1%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.