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SpareBank 1 Østlandet (SPOL) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of SpareBank 1 Østlandet stock NOK 243, price NOK 206, upside +17.9%, quality 53 out of 100. Rating: undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services NO · ISIN NO0010751910

S1 SpareBank 1 Østlandet logo Broad data Nov 7, 2026

SpareBank 1 Østlandet

SPOL · OL
Undervalued, in an uptrend

The stock costs 15% less than our calculation considers fair.

Fair value kr 242.70 · Undervalued
Healthy Growth (revenue 5y +13.9 %/yr in NOK)
Highly profitable · 46.8% net margin (TTM)
6.2% dividend yield · Sustainable
Broad data
Quality 53/100
Mixed vs. peers (8/14)
Wide moat 70/100 · thin data

Risks from the AI analysis

🚩Late-September supervisory review on credit quality and provisions
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

kr 209.50 kr 82.67 Fair Value kr 242.70 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.

How to read this chart

60‑month range kr 82.67 – kr 209.50 · fair‑value band kr 182.02 – kr 303.37 · the kr 205.90 price screens below the kr 242.70 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.

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Company profile

SpareBank 1 Østlandet provides various financial products and services to individuals, businesses, public entities, teams, associations, and organisations.

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It operates through the Retail Division, Corporate Division, SpareBank 1 Finans Østlandet, EiendomsMegler 1 Østlandet, and SpareBank 1 ForretningsPartner Østlandet segments.

The Retail segment offers financial services comprising savings, financing, payment processing, insurance, loss prevention, capital management, and investments.

The Corporate segment provides hedging for interest and foreign exchange transactions, placement of surplus liquidity, insurance for individuals, pension solutions, as well as buildings and movable property for businesses; and delivers advisory solutions to private customers and businesses, and it also engages in foreign currency services.

The SpareBank 1 Finans Østlandet's segment provides activities consisting of leasing and lending for private purchases of vehicles, including car loans for electric vehicles, as well as leasing and lending to corporate customers for vehicles and operating assets.

The EiendomsMegler 1 Østlandet's segment offers activities consisting of advisory services and real estate brokerage in connection with the purchase and sale of residential property and real estate.

The SpareBank 1 ForretningsPartner Østlandet's segment provides activities consisting of accounting services, advisory and consultancy services, including advisory services related to sustainability. SpareBank 1 Østlandet was founded in 1845 and is headquartered in Hamar, Norway.

Stock analysis

SpareBank 1 Østlandet (SPOL) currently trades at kr 205.90, while our model-based Fair Value estimate is kr 242.70, implying the stock looks roughly 15% undervalued today.

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Valuation

Bull case: the Dividend Discount group reads highest at a median of kr 275.96 per share, and 4 of the 6 models we run sit above the kr 205.90 price.

Bear case: the Asset-Based group reads lowest at kr 128.97, and 2 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: kr 182.02 (bear) to kr 303.37 (bull), the price of kr 205.90 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 53/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

SpareBank 1 Østlandet reported revenue of 7.2B NOK in FY2025 versus 4.0B NOK in FY2021, a compound +16.0%/yr. Reported net income was 3.5B NOK in FY2025, compounding +15.0%/yr from FY2021.

Key figures

Market cap 28.0B NOK (≈ $3.0B) Mid · P/E ratio 12.2 · P/S ratio 5.95 · EPS (TTM) kr 16.87 · Dividend yield 6.2% · Net margin 48.8% · Return on equity 12.8% · Return on assets (EBIT) 1.6% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 70 out of 100 (low confidence).

What moves the price

The share trades about 2% below its 52-week high and 25% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 18%, SPOL screens cheaper than that median.

Fair Value models

Bear kr 182.02 Fair Value kr 242.70 Bull kr 303.37
Price kr 205.90 · Upside +17.9%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (kr 3.58 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income kr 196.05 kr 239.93 kr 336.74 75
DDM Multi-Stage kr 136.94 kr 246.86 kr 316.95 66
Gordon GGM kr 136.94 kr 305.06 kr 526.97 65
All 6 models by family
Dividend Discount
Gordon GGM kr 136.94 kr 305.06 kr 526.97 65
DDM Multi-Stage kr 136.94 kr 246.86 kr 316.95 66
Multiples
P/E Multiple kr 252.41 kr 336.54 kr 420.68 63
P/B Multiple kr 111.63 kr 148.85 kr 186.06 55
Asset-Based
NCAV (Graham) kr 96.25 kr 128.97 kr 192.49 54
Economic Profit
Residual Income kr 196.05 kr 239.93 kr 336.74 75

Open the full fair value analysis →

Quality Score breakdown

Overall quality 53/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 37
How much profit the company makes from its sales and capital
Quality Growth 47
Are margins and returns getting better?
Cashflow 98
Do the profits arrive as real cash?
Financial strength 0
Debt, balance sheet and risk of trouble
Investment 67
Does it invest with discipline instead of growing at any price?
Low Volatility 96
How calm the share price moves, does not count
Price momentum 55
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 76
Distance to the 52-week high, does not count
New shares 53
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+13.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+19.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.9%
Start year 2020 (pandemic). Over 10 years: +12.2% a year
Revenue growth 11 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.0%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: EBIT basis.
+18.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+12.3%
Dividend (yield on the price)6.2%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.9.3% vs 10.3%, steady
Pace: the 5-year rate starts in 2020 (pandemic)

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Note from the team Oct 11, 2026
AI conclusion: Solid lending growth and post-merger cost-efficiency gains mark the main strength, while varying credit quality and measurement uncertainty in corporate loan provisions form the chief weakness.
Main risk: Uncertainties in corporate loan loss provisions, especially for commercial real estate, risk higher provisions that could reduce profitability.
SpareBank 1 Østlandet keeps posting solid lending growth and is pushing cost efficiency targets below 40 percent after completing its merger. A late-September supervisory review, however, flagged varying credit quality, policy deviations and measurement uncertainty in corporate loan loss provisions, especially for commercial real estate. Will tighter risk controls and provisions eat into the efficiency gains, or can the bank strengthen its corporate book without derailing profitability?
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 8/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 53 · Below median
Fair Value upside +17.9% · Top 25%
Profitability
Return on equity (12 months) 12.8% · Above median
Return on assets 1.6% · Top 25%
Net margin (12 months) 46.8% · Top 25%
Operating margin (12 months) 60.5% · Top 25%
Growth and dividend
Revenue growth (quarter YoY) −4.6% · Bottom 25%
Dividend yield (12 months) 6.2% · Top 25%
Balance sheet
Debt / equity 1.24× · Highest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 12.2× · Pricier than median
P/B 1.02× · Cheaper than median
P/S (12 months) 3.86× · Pricier than median
Price / free cash flow (fiscal year) 4.3× · Cheapest 25%
EV/EBITDA 17.5× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)57 · sector 8
FUTURE (revenue growth)0 · sector 47
PAST (return on equity)51 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)100 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs SPOL
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs SPOL
BNP Paribas SA BNP €91.93 €106.01 +15% vs SPOL
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs SPOL
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs SPOL
UniCredit S.p.A UCG €76.80 €50.44 −34% vs SPOL
Mizuho Financial Group MFG $9.40 $5.89 −37% vs SPOL
DBS Group D05 69.72 SGD 40.39 SGD −42% vs SPOL
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs SPOL
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs SPOL

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SpareBank 1 Østlandet: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "SpareBank 1 Østlandet Fair Value". https://www.fairvalue-calculator.com/stock/SPOL

Frequently asked questions

Is SpareBank 1 Østlandet (SPOL) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of kr 242.70 versus a price of kr 205.90, about +18% upside (undervalued).
What is the fair value of SPOL?
Our model-based fair value for SpareBank 1 Østlandet is kr 242.70 (as of Nov 7, 2026), built from audited fundamentals. The current price: kr 205.90.
What is the quality score of SPOL?
SpareBank 1 Østlandet has a Quality Score of 53/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for SpareBank 1 Østlandet (SPOL)?
Our model-based price target is the fair value of kr 242.70 (as of Nov 7, 2026) from 6 valuation models. Cautious scenario kr 182.02, optimistic scenario kr 303.37. It is a calculation from audited fundamentals, not an analyst target.
What is the SpareBank 1 Østlandet stock forecast for 2026?
Our models put fair value at kr 242.70, about +18% upside versus a price of kr 205.90 (undervalued). Cautious scenario kr 182.02, optimistic scenario kr 303.37. The calculation is refreshed regularly with new filings.
What is the revenue of SpareBank 1 Østlandet (SPOL)?
SpareBank 1 Østlandet reported trailing-twelve-month revenue of about 7.2B NOK (latest available figure, as of Nov 7, 2026).
Does SpareBank 1 Østlandet pay a dividend?
SpareBank 1 Østlandet currently shows a dividend yield of 6.17% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of SpareBank 1 Østlandet (SPOL) and when is the ex-dividend date?
SpareBank 1 Østlandet pays a dividend of kr 12.70 per share a year, a dividend yield of 6.2%. The last ex-dividend date was Mar 27, 2026. A dividend has been paid every year since at least 2018. The payout ratio is 75.3% of earnings. Our assessment: Sustainable. Payout and cash coverage both look sustainable.
What is the intrinsic value of SpareBank 1 Østlandet (SPOL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For SpareBank 1 Østlandet it is kr 242.70 per share (as of Nov 7, 2026), against a price of kr 205.90. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is SpareBank 1 Østlandet stock overvalued or undervalued in 2026?
As of Nov 7, 2026, SPOL trades below its calculated fair value: price kr 205.90, fair value kr 242.70, a gap of about +18% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of SPOL?
No. The price is what the market pays today (kr 205.90); the fair value is what the company's own numbers justify (kr 242.70). For SpareBank 1 Østlandet the two are kr 36.80 per share apart. That gap is exactly why we show both numbers side by side.
How much is SpareBank 1 Østlandet worth?
The market values SpareBank 1 Østlandet at about 28.0B NOK (market capitalisation, as of Nov 7, 2026). Per share that is kr 205.90; our models calculate a fair value of kr 242.70 per share.
What do the bullish and bearish scenarios say about SPOL?
Our models span a range for SpareBank 1 Østlandet: cautious scenario kr 182.02, base kr 242.70, optimistic kr 303.37 per share (as of Nov 7, 2026, price kr 205.90). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SPOL?
SpareBank 1 Østlandet trades at a price-to-earnings ratio of 12.2 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of kr 242.70 is built from several models across several years. Median P/E at fiscal year-end, 8 fiscal years (2018 to 2025), reported earnings: 7.0. Other multiples: P/B 1.0, P/S 3.9, EV/EBITDA 17.5.
How solid is the balance sheet of SpareBank 1 Østlandet (SPOL)?
Balance-sheet figures for SpareBank 1 Østlandet (as of Nov 7, 2026): return on equity 12.8%, debt of 1.24 per unit of equity. They feed the Quality Score of 53/100, which measures business quality independently of the share price.
How far is SPOL from its 52-week high?
SpareBank 1 Østlandet trades at kr 205.90, about 2% below its 52-week high of kr 209.50 and 25% above the low of kr 164.49 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of kr 242.70 is for.
Which stocks are comparable to SpareBank 1 Østlandet?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is SpareBank 1 Østlandet stock attractive at the current price?
The data as of Nov 7, 2026: price kr 205.90, calculated fair value kr 242.70 (+18%), Quality Score 53/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of SPOL calculated?
We run SpareBank 1 Østlandet through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of kr 242.70 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. SpareBank 1 Østlandet currently trades 15% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of SpareBank 1 Østlandet (SPOL)?
The closing price on Nov 6, 2026 was kr 205.90. Our model-based fair value is kr 242.70, about +18% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with SpareBank 1 Østlandet right now?
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly. The price sits in the lower half of our model range, the side with the larger margin of safety. The data supports the verdict: every model runs on fully documented inputs.

Key figures of SpareBank 1 Østlandet

How large is the market capitalisation of SpareBank 1 Østlandet (SPOL)?
The market capitalisation of SpareBank 1 Østlandet is 28.0B NOK (≈ $3.0B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of SpareBank 1 Østlandet (SPOL)?
The price-to-sales ratio of SpareBank 1 Østlandet is 5.95 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of SpareBank 1 Østlandet (SPOL)?
Earnings per share at SpareBank 1 Østlandet are kr 16.87 (price ÷ EPS = P/E 12.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of SpareBank 1 Østlandet (SPOL)?
The dividend yield of SpareBank 1 Østlandet is 6.2% (payout 75.3%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of SpareBank 1 Østlandet (SPOL)?
The net margin of SpareBank 1 Østlandet is 48.8% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of SpareBank 1 Østlandet (SPOL)?
The return on equity (ROE) of SpareBank 1 Østlandet is 12.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of SpareBank 1 Østlandet (SPOL)?
On an EBIT basis the return on assets of SpareBank 1 Østlandet is 1.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of SpareBank 1 Østlandet (SPOL)?
The operating margin of SpareBank 1 Østlandet is 60.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at SpareBank 1 Østlandet (SPOL)?
Revenue at SpareBank 1 Østlandet is growing −4.6% versus a year earlier (3y avg +19.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at SpareBank 1 Østlandet (SPOL)?
Earnings per share at SpareBank 1 Østlandet are growing −7.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does SpareBank 1 Østlandet (SPOL) generate?
The free cash flow of SpareBank 1 Østlandet is 6.5B NOK (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does SpareBank 1 Østlandet (SPOL) carry?
The net debt of SpareBank 1 Østlandet is 47.7B NOK (fiscal year 2025, ≈ 7.3 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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