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.
Flekkefjord Sparebank is a regional savings bank based in Norway, primarily serving the financial needs of individuals and businesses within the southern region of the country. As a savings bank, its core function is to offer traditional banking services such as savings accounts, loans, mortgages, and various financial advisory services. Flekkefjord Sparebank plays a critical role in the local economy by facilitating access to capital and supporting regional economic development through personalized banking solutions. The bank is also involved in contributing to community welfare programs, which is a common practice among Norwegian savings banks that emphasizes their local engagement. Being part of a well-regarded financial system, Flekkefjord Sparebank is noted for its trustworthiness and customer-focused approach, making it a significant player in the community it serves. Its operations and financial health are central to maintaining financial stability and promoting sustainable economic growth within its geographic footprint.
NOK 10.29
+NOK 0.03 (+0.33%)
EOD Jul 1, 2026
37.49% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue grew 8.8% YoY.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
0.1x 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 344M
▲ +8.8% YoY
Net Income (TTM)
NOK 127M
▲ +2.4% YoY
Net Margin
36.95%
P/E
0.1x
Balance Sheet
Total Assets
NOK 12.84B
Equity
NOK 1.57B
Total Debt
NOK 2.87B
Cash & Equiv.
NOK 89M
3Y CAGR: +20.5%
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At a P/E of 0.1, Flekkefjord Sparebank (FFSB.XOSL)'s valuation is best read against its own history, its peers, and the growth its price implies. A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Flekkefjord Sparebank scores 94/100 on Intrinsiqq's quality scorecard, weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full . This is analysis, not investment advice.
Flekkefjord Sparebank scores 94 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.
That depends on valuation and quality together, not either alone. you should weigh FFSB.XOSL's valuation and scores 94/100 on quality (high-quality). 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.