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.
Voss Veksel- og Landmandsbank ASA is a regional commercial bank headquartered in Voss, Norway, founded in 1843. It provides a comprehensive range of banking products and services tailored to private individuals, businesses, and agricultural clients primarily in the Hordaland county. Key offerings include savings accounts, various loans such as car, home, small, construction, and green loans, overdraft facilities, leasing services, bank guarantees, payment and credit cards, insurance products covering life, health, and property, as well as online and mobile banking platforms. As one of the last independent commercial banks in Norway not merged into larger institutions, it maintains a small-scale operation with approximately 24 employees, emphasizing local service in daily banking, fund and pension savings management, and direct debit services. Led by CEO Stig Gunnar Røthe, the bank operates within the financials sector, focusing on retail and corporate markets to support community financial needs.
NOK 41.80
NOK 0.60 (-1.42%)
Price from 2 days ago
45.21% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue growth slowed to 3.0%, 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.
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 195M
▲ +3.0% YoY
Net Income (TTM)
NOK 86M
▼ -1.6% YoY
Net Margin
43.83%
P/E
1.1x
Balance Sheet
Total Assets
NOK 7.03B
Equity
NOK 842M
Total Debt
NOK 1.09B
Cash & Equiv.
NOK 83M
3Y CAGR: +14.4%
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At a P/E of 1.1, Voss Veksel- og Landmandsbank ASA (VVL.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, Voss Veksel- og Landmandsbank ASA 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 37.2%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Voss Veksel- og Landmandsbank ASA 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, Voss Veksel- og Landmandsbank ASA pays a regular dividend of about NOK 15.54 per share per year (typically in quarterly installments), a yield of roughly 37.2% at the current price. That is a payout ratio of about 42.5% of earnings, so the dividend is well covered. Voss Veksel- og Landmandsbank ASA has grown the dividend at roughly 12.5% 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 VVL.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 VVL.XOSL's valuation and scores 86/100 on quality (high-quality). It also yields about 37.2%. 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.