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Bien Sparebank ASA (BIEN) Fair Value & Analysis

Financial Services · NO · Market cap 892M NOK

Pricekr 160.00
Fair Valuekr 149.21
Upside-6.7%
Quality95/100
Evidence: Medium Range kr 111.91 – kr 186.52

Fair value as of: Jun 26, 2026

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Analysis

Bien Sparebank ASA (BIEN) currently trades at kr 160.00, while our model-based Fair Value estimate is kr 149.21 — implying the stock looks roughly 6.7% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: medium).

About the company

Bien Sparebank ASA operates as a savings bank that provides a range of banking and financial products and services to individuals and business customers in Norway and internationally. It operates through Retail Market and Corporate Market segments. The company offers banking services, such as bank cards, abroad payment, credit cards, account services, mobile banking and online banking services, and mobile payment solution; insurance products, including car, child, household items, house, travel, and dog insurance; and loan comprising car loan, mortgage, loans for motorcycle, motorhome, and ATVs; and senior loans. It also provides saving and retirement solutions, which include bank savings, BSU savings, mutual fund savings, fund savings for children, micro savings, and retirement savings. Bien Sparebank ASA was founded in 1885 and is based in Oslo, Norway.

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Frequently asked questions

Is Bien Sparebank ASA (BIEN) undervalued?
As of Jun 26, 2026, our model estimates a fair value of kr 149.21 versus a price of kr 160.00 — about −7% (overvalued). Model-based estimate, not financial advice.
What is the fair value of BIEN?
Our 21-model fair value for Bien Sparebank ASA is kr 149.21 (as of Jun 26, 2026), built from audited fundamentals. The current price is kr 160.00.
What is the quality score of BIEN?
Bien Sparebank ASA has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.