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.
Sogn Sparebank is a regional Norwegian commercial bank founded in 1846 and headquartered in Årdalstangen. It provides a comprehensive suite of banking and financial services primarily to individuals and small to medium-sized enterprises in the Sogn region, while extending retail banking nationwide with a focus on growth areas. Key offerings include deposit and savings accounts, pension solutions, home and vehicle loans, credit cards, overdraft facilities, business loans, leasing, bank guarantees, and refinancing options, alongside payment solutions via mobile and online platforms. The bank also delivers insurance products covering property, vehicles, health, agriculture, and business operations, as well as securities trading. With approximately 43-44 employees, Sogn Sparebank emphasizes community ties and local economic support through physical branches and digital channels. Its operations generate steady net interest income, with recent figures showing revenue around 253 million NOK and a strong dividend history, underscoring its role as a stable regional player in Norway's banking sector.
NOK 27.04
+NOK 0.96 (+3.66%)
Price from 2 days ago
43.97% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue growth slowed to 4.3%, essentially flat. This is a business that needs a catalyst.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
0.2x 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 255M
▲ +4.3% YoY
Net Income (TTM)
NOK 110M
▲ +9.0% YoY
Net Margin
43.17%
P/E
0.2x
Balance Sheet
Total Assets
NOK 8.29B
Equity
NOK 1.31B
Total Debt
NOK 6.86B
Cash & Equiv.
NOK 91M
3Y CAGR: +11.4%
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At a P/E of 0.2 and a price-to-free-cash-flow of 0.1, Sogn Sparebank (SOGN.XOSL) trades below a two-stage DCF intrinsic value of about NOK 482.86 per share, so at NOK 27.04 the stock looks undervalued (1,685.7% 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, Sogn Sparebank scores 85/100 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 74.0%; 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 482.86 per share for SOGN.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 362.14. At today's NOK 27.04, that puts the stock about 1,685.7% 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.
Sogn Sparebank scores 85 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, Sogn Sparebank pays a regular dividend of about NOK 20.00 per share per year (typically in quarterly installments), a yield of roughly 74.0% at the current price. That is a payout ratio of about 11.5% of earnings, so the dividend is amply covered by earnings. Sogn Sparebank has grown the dividend at roughly 33.2% 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 SOGN.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. SOGN.XOSL currently trades below its estimated intrinsic value and scores 85/100 on quality (high-quality). It also yields about 74.0%. 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.