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.
Jæren Sparebank is a Norwegian savings bank headquartered in Bryne, in the Rogaland region. Formed in 2015 through the merger of Time Sparebank (founded 1911) and Klepp Sparebank (founded 1923), it serves as an independent regional institution listed on the Oslo Stock Exchange. The bank operates branches in Klepp, Time, Hå, and Gjesdal, with plans for expansion into Sandnes, focusing on the Jæren district's local economy influenced by oil, gas, and agriculture. It provides comprehensive financial services to private individuals, agricultural clients, and small to medium-sized businesses via two segments: Private Market and Business Market. Offerings include savings accounts, deposits, loans such as mortgages, vehicle, construction, and corporate financing, debit and credit cards, insurance products covering property, casualty, life, health, and environmental risks for farming, investment options, pensions, online banking, payments, and leasing. As part of the Eika alliance, it benefits from shared IT, risk management, and mortgage funding through Eika Boligkreditt. With around 94 employees and over 32,000 customers, Jæren Sparebank holds a strong local market share, particularly in agriculture (18% of loans) and retail mortgages (about 75% including transferred loans), emphasizing robust underwriting and cost efficiency in Norway's financial landscape.
NOK 337.90
+NOK 5.80 (+1.75%)
Price from 2 days ago
51.66% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue grew 7.8% YoY.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
11.0x earnings. In line with financial-sector norms. The question is whether the current credit environment supports sustained earnings at this level.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
NOK 583M
▲ +7.8% YoY
Net Income (TTM)
NOK 303M
▲ +11.7% YoY
Net Margin
51.97%
P/E
11.0x
Balance Sheet
Total Assets
NOK 20.94B
Equity
NOK 2.81B
Total Debt
NOK 4.43B
Cash & Equiv.
NOK 33M
3Y CAGR: +12.9%
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At a P/E of 11.0, 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, Jæren Sparebank scores 86/100 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 10.8%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Jæren Sparebank scores 86 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, Jæren Sparebank pays a regular dividend of about NOK 36.48 per share per year (typically in quarterly installments), a yield of roughly 10.8% at the current price. That is a payout ratio of about 59.2% of earnings, so the dividend is well covered. Jæren Sparebank has grown the dividend at roughly 48.4% 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 JAREN.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 JAREN.XOSL's valuation and scores 86/100 on quality (high-quality). It also yields about 10.8%. 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.