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.
SpareBank 1 Helgeland is a Norway-based independent savings bank specializing in banking and financial services within the Helgeland district of northern Norway. As part of the SpareBank 1 Alliance, it delivers a comprehensive suite of products including savings accounts, investment options, pensions, insurance, loans, leasing, mortgages, payment services, credit cards, shares, currencies, and online banking through its Nettbank platform. The bank operates across two primary segments: Retail Market, catering to individual customers, and Corporate Market, serving small and medium-sized enterprises, municipal authorities, institutions, and the public sector. Additionally, it engages in owning, managing, and leasing commercial properties. Headquartered in Mo i Rana with approximately 166-169 employees, SpareBank 1 Helgeland plays a vital role in supporting the local economy of Helgeland by providing tailored financial solutions to creditors, businesses, employees, management, and the broader community, fostering regional development through its longstanding presence since 1860.
NOK 13.52
NOK 0.09 (-0.68%)
Price from 2 days ago
41.79% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue declined 4.7% YoY. For a bank, this often signals contracting loan book or reduced fee income.
Net income declined 12% YoY, profitability momentum has weakened.
1.0x 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 1.19B
▼ -4.7% YoY
Net Income (TTM)
NOK 483M
▼ -11.7% YoY
Net Margin
40.69%
P/E
1.0x
Balance Sheet
Total Assets
NOK 41.06B
Equity
NOK 5.41B
Total Debt
NOK 9.00B
Cash & Equiv.
NOK 94M
3Y CAGR: +9.5%
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At a P/E of 1.0 and a price-to-free-cash-flow of 0.5, SpareBank 1 Helgeland (HELG.XOSL) trades below a two-stage DCF intrinsic value of about NOK 259.12 per share, so at NOK 13.52 the stock looks undervalued (1,816.0% below estimated intrinsic value). 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, SpareBank 1 Helgeland scores 52/100 on Intrinsiqq's quality scorecard (a mixed business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 60.6%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about NOK 259.12 per share for HELG.XOSL, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around NOK 194.34. At today's NOK 13.52, that puts the stock about 1,816.0% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
SpareBank 1 Helgeland scores 52 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a mixed 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, SpareBank 1 Helgeland pays a regular dividend of about NOK 8.19 per share per year (typically in quarterly installments), a yield of roughly 60.6% at the current price. That is a payout ratio of about 57.8% of earnings, so the dividend is well covered. SpareBank 1 Helgeland has grown the dividend at roughly 43.9% 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 HELG.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. HELG.XOSL currently trades below its estimated intrinsic value and scores 52/100 on quality (mixed). It also yields about 60.6%. 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.