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Haugesund Sparebank, a savings bank, (HGSB) Fair Value & Analysis

Financial Services · NO · Market cap 851M NOK

Pricekr 154.30
Fair Valuekr 308.60
Upside+100.0%
Quality95/100
Evidence: High Range kr 231.45 – kr 385.75

Fair value as of: Jun 26, 2026

Analysis

Haugesund Sparebank, a savings bank, (HGSB) currently trades at kr 154.30, while our model-based Fair Value estimate is kr 308.60 — implying the stock looks roughly 100.0% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Haugesund Sparebank, a savings bank, provides various financial products and services to individuals and corporate customers in Norway. Offers current, deposit, and personal accounts, as well as mortgage, 55 percent, construction, fixed-rate, cottage, car, consumer, and framework loans; refinancing of mortgages and consumer debt; and loans for motorcycles, motorhomes, boats, and ATVs. It also provides ATMs, debit and credit cards, mobile payment, mobile and online banking, and in-store cash services; car, travel, home, contents, child, electric scooter, dog, and valuables insurance products; and savings and retirement solutions. The company was incorporated in 1928 and is based in Haugesund, Norway.

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Frequently asked questions

Is Haugesund Sparebank, a savings bank, (HGSB) undervalued?
As of Jun 26, 2026, our model estimates a fair value of kr 308.60 versus a price of kr 154.30 — about +100% (undervalued). Model-based estimate, not financial advice.
What is the fair value of HGSB?
Our 21-model fair value for Haugesund Sparebank, a savings bank, is kr 308.60 (as of Jun 26, 2026), built from audited fundamentals. The current price is kr 154.30.
What is the quality score of HGSB?
Haugesund Sparebank, a savings bank, 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.