Flekkefjord Sparebank, a savings bank, (FFSB) Fair Value & Analysis
Financial Services · NO · Market cap 174M NOK
Fair value as of: Jul 16, 2026
From 4 valuation models · updated 25 days ago
Fair value updated Jul 16, 2026, revised from kr 238.00 to kr 102.17 (−57.1%) since Jun 26, 2026. Share price −1.9% over the past month.
Below-average quality, and screening another 12% overvalued on our models.
What matters now
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
- Our model range runs from kr 76.63 (bear) to kr 127.72 (bull), base kr 102.17. The closer the price sits to the lower half, the larger the margin of safety.
- Quality 37/100 (below-average quality) with high evidence: the data supports the verdict.
Price vs Fair Value (2 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 16, 2026.
How to read this chart
27‑month range kr 98.39 – kr 124.17 · fair‑value band kr 76.63 – kr 127.72 · the kr 116.00 price screens above the kr 102.17 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 16, 2026.
Analysis
Flekkefjord Sparebank, a savings bank, (FFSB) currently trades at kr 116.00, while our model-based Fair Value estimate is kr 102.17, implying the stock looks roughly 11.9% overvalued today. The Quality Score stands at 37/100 (below-average 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: high).
Over the trailing twelve months, Flekkefjord Sparebank, a savings bank, generated revenue of 323M NOK at a net margin of 38.7%. Revenue grew 14.2% year over year. It earns a return on equity of 8.1%. Net debt stands at 2.8B NOK. Fundamentals as of Jul 16, 2026
Our scenario range runs from kr 76.63 (bear case) to kr 127.72 (bull case); at kr 116.00, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 11% below its 52-week high and 3% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at -12%, FFSB screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 4 models by family
Widest divergence: Multiples (kr 1,115) versus Asset-Based (kr 713.93). Highest evidence: P/E Multiple (63).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 16, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 31 · Market factors (momentum, volatility) 52
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Flekkefjord Sparebank, a savings bank, provides banking services for retail and corporate markets in Flekkefjord, Egersund, Farsund, Hægebostad, Kristiansand, Kvinesdal, Lindesnes, Lund, Lyngdal, and Sirdal and Sokndal.
Full company description
Flekkefjord Sparebank, a savings bank, provides banking services for retail and corporate markets in Flekkefjord, Egersund, Farsund, Hægebostad, Kristiansand, Kvinesdal, Lindesnes, Lund, Lyngdal, and Sirdal and Sokndal. It offers mortgage, car, boat, mortgages for young people, cottage, and construction loans; bank, Boligsparing for ungdom, mutual fund, Borea, stock trading, and retirement savings; and business loans/credit and financing, guarantees, and leasing facilities. The company also provides life and personal, house and contents, vehicle, travel and leisure, property, and liability insurance products; and mobile and online banking, cards, accounts, bankID, watch and mobile payment, foreign payments, contract giro and eInvoice, telebank, and Vips services, as well as pension services. Flekkefjord Sparebank was founded in 1837 and is headquartered in Flekkefjord, Norway.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Flekkefjord Sparebank, a savings bank, reported revenue of kr 336M in FY2025 versus kr 189M in FY2021, a compound +15.4%/yr. Reported net income was kr 127M in FY2025, compounding +22.5%/yr from FY2021.
FFSB screens 12% overvalued. Compare with PT Bank Central Asia Tbk →
Peer Group
Banks - Regional · 1083 stocks
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.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 40/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 16, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 184,400 KRW | 213,797 KRW | +16% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,970 IDR | 4,891 IDR | +65% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,310 IDR | 7,841 IDR | +82% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,900 KRW | 137,259 KRW | +27% |
| Hana Financial Group 086790 | 136,800 KRW | 193,969 KRW | +42% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 193.10 CLP | 152.55 CLP | -21% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
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Frequently asked questions
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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.
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