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Holand og Setskog Sparebank (HSPG) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Holand og Setskog Sparebank stock NOK 240, price NOK 120, upside +100.0%, quality 47 out of 100. Rating: strongly 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 NO0010012636

HO Holand og Setskog Sparebank logo Some data Nov 7, 2026

Holand og Setskog Sparebank

HSPG · OL
Cheap, value-trap risk

The stock costs 50% less than our calculation considers fair.

Fair value kr 240.16 · Strongly undervalued
4.2% dividend yield · Low payout
Even on cautious assumptions the value is 50% above the price (kr 180.12).
Quality 47/100
Mixed Growth (revenue 5y +3.5 %/yr in NOK)
Thin margins · 1.7% net margin (TTM)
Mixed vs. peers (5/12)
Some data
Narrow moat 27/100 · thin data
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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 169.53 kr 97.16 Fair Value kr 240.16 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 97.16 – kr 169.53 · fair‑value band kr 180.12 – kr 300.20 · the kr 120.08 price screens below the kr 240.16 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

Høland og Setskog Sparebank provides banking services for the retail and corporate markets in Norway. The company offers current, deposit, and savings accounts; business, investment, agricultural, and client accounts; bank and credit cards; eInvoice; mobile payments; and mobile and online banking.

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It also provides insurance products for cars, electric scooters, boats, motorcycles, mopeds, jet skis, caravans, motorhomes, ATVs, tractors, snowmobiles, trailers, and veteran cars; houses, household items, travel, cottages, valuable items, and drones; health, child, disability, critical illness, life, and accident; dogs, cats, and horses; and company, employees, and agriculture applications.

In addition, the company offers bank, BSU, mutual fund, micro, and retirement savings; pension products; car loans, mortgages, senior loans for apartments, green mortgages, energy-saving loans, framework loans, consumer loans, cottage loans, fixed-rate loans, and refinancing of mortgages, as well as loans for boats, motorcycles, caravans, motorhomes, ATVs, and snowmobiles; refinancing of consumer debt; bank guarantees, business and construction loans, factoring and invoice management, overdraft, and leasing; and consulting and accounting services.

The company was formerly known as Holand Sparebank and changed its name to Høland og Setskog Sparebank in July 2010. Høland og Setskog Sparebank was incorporated in 1849 and is headquartered in Bjørkelangen, Norway.

Stock analysis

Holand og Setskog Sparebank (HSPG) currently trades at kr 120.08, while our model-based Fair Value estimate is kr 240.16, implying the stock looks roughly 50% undervalued today.

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Valuation

Bull case: the Economic Profit group reads highest at a median of kr 1,208 per share, and 6 of the 6 models we run sit above the kr 120.08 price.

Bear case: the Dividend Discount group reads lowest at kr 140.36, and 0 of the 6 models stay below the price. Data coverage for this calculation is medium.

Scenario range: kr 180.12 (bear) to kr 300.20 (bull), the price of kr 120.08 sits below 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 47/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Holand og Setskog Sparebank reported revenue of 196M NOK in FY2025 versus 170M NOK in FY2021, a compound +3.6%/yr. Reported net income was 47.4M NOK in FY2025, compounding −2.7%/yr from FY2021.

Key figures

Market cap 82.6M NOK (≈ $8.8M) Micro · P/S ratio 0.77 · EPS (TTM) kr −2.74 · Dividend yield 4.2% · Net margin 24.2% · Return on equity 0.2% · Return on assets (EBIT) 1.2% (5-year average) · Operating margin 1,847%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 27 out of 100 (low confidence).

What moves the price

The share trades about 28% below its 52-week high and 4% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 100%, HSPG screens cheaper than that median.

Fair Value models

Bear kr 180.12 Fair Value kr 240.16 Bull kr 300.20
Price kr 120.08 · Upside +100.0%
Capped: our models arrive at a very high value here. We deliberately show a more cautious Fair Value.
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. 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 1,234 kr 1,208 kr 1,245 76
Gordon GGM kr 79.04 kr 157.50 kr 238.50 67
DDM Multi-Stage kr 79.04 kr 123.22 kr 166.25 66
All 6 models by family
Dividend Discount
Gordon GGM kr 79.04 kr 157.50 kr 238.50 67
DDM Multi-Stage kr 79.04 kr 123.22 kr 166.25 66
Multiples
P/E Multiple kr 672.32 kr 896.43 kr 1,121 63
P/B Multiple kr 151.93 kr 202.58 kr 253.22 55
Asset-Based
NCAV (Graham) kr 829.91 kr 1,112 kr 1,660 54
Economic Profit
Residual Income kr 1,234 kr 1,208 kr 1,245 76

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Quality Score breakdown

Overall quality 47/100

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

Profitability 30
How much profit the company makes from its sales and capital
Quality Growth 41
Are margins and returns getting better?
Cashflow 85
Do the profits arrive as real cash?
Financial strength 23
Debt, balance sheet and risk of trouble
Investment 39
Does it invest with discipline instead of growing at any price?
Low Volatility 61
How calm the share price moves, does not count
Price momentum 16
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 12
Distance to the 52-week high, does not count
New shares 82
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. 51/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+0.3%
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.
+2.6%
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.
+3.5%
Start year 2020 (pandemic). Over 10 years: +5.3% a year
Revenue growth 25 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.
+3.4%
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.
+2.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year−2.2%
Dividend (yield on the price)4.2%
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.−2.2% vs 3.2%, slowing
Pace: the 5-year rate starts in 2020 (pandemic)

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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 5/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 47 · Bottom 25%
Fair Value upside +100.0% · Top 25%
Profitability
Return on equity (12 months) 0.2% · Bottom 25%
Return on assets 0.5% · Bottom 25%
Net margin (12 months) 1.7% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) −2.3% · Bottom 25%
Dividend yield (12 months) 4.2% · Top 25%
Balance sheet
Debt / equity 2.65× · Highest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/B 0.07× · Cheapest 25%
P/S (12 months) 0.74× · Cheapest 25%
Price / free cash flow (fiscal year) 1.0× · Cheapest 25%
EV/EBITDA 18.6× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 8
FUTURE (revenue growth)0 · sector 47
PAST (return on equity)1 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)83 · 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 HSPG
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs HSPG
BNP Paribas SA BNP €91.93 €106.01 +15% vs HSPG
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs HSPG
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs HSPG
UniCredit S.p.A UCG €76.80 €50.44 −34% vs HSPG
Mizuho Financial Group MFG $9.40 $5.89 −37% vs HSPG
DBS Group D05 69.72 SGD 40.39 SGD −42% vs HSPG
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs HSPG
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs HSPG

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Cite: Fair Value Calculator (2026). "Holand og Setskog Sparebank Fair Value". https://www.fairvalue-calculator.com/stock/HSPG

Frequently asked questions

Is Holand og Setskog Sparebank (HSPG) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of kr 240.16 versus a price of kr 120.08, about +100% upside (undervalued).
What is the fair value of HSPG?
Our model-based fair value for Holand og Setskog Sparebank is kr 240.16 (as of Nov 7, 2026), built from audited fundamentals. The current price: kr 120.08.
What is the quality score of HSPG?
Holand og Setskog Sparebank has a Quality Score of 47/100. 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 Holand og Setskog Sparebank (HSPG)?
Our model-based price target is the fair value of kr 240.16 (as of Nov 7, 2026) from 6 valuation models. Cautious scenario kr 180.12, optimistic scenario kr 300.20. It is a calculation from audited fundamentals, not an analyst target.
What is the Holand og Setskog Sparebank stock forecast for 2026?
Our models put fair value at kr 240.16, about +100% upside versus a price of kr 120.08 (undervalued). Cautious scenario kr 180.12, optimistic scenario kr 300.20. The calculation is refreshed regularly with new filings.
What is the revenue of Holand og Setskog Sparebank (HSPG)?
Holand og Setskog Sparebank reported trailing-twelve-month revenue of about 112M NOK (latest available figure, as of Nov 7, 2026).
Does Holand og Setskog Sparebank pay a dividend?
Holand og Setskog Sparebank currently shows a dividend yield of 4.16% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of Holand og Setskog Sparebank (HSPG) and when is the ex-dividend date?
Holand og Setskog Sparebank pays a dividend of kr 5.00 per share a year, a dividend yield of 4.2%. The last ex-dividend date was Mar 20, 2026. A dividend has been paid every year since 2022. The payout ratio is 7.3% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Holand og Setskog Sparebank (HSPG)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Holand og Setskog Sparebank it is kr 240.16 per share (as of Nov 7, 2026), against a price of kr 120.08. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Holand og Setskog Sparebank stock overvalued or undervalued in 2026?
As of Nov 7, 2026, HSPG trades below its calculated fair value: price kr 120.08, fair value kr 240.16, a gap of about +100% (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 HSPG?
No. The price is what the market pays today (kr 120.08); the fair value is what the company's own numbers justify (kr 240.16). For Holand og Setskog Sparebank the two are kr 120.08 per share apart. That gap is exactly why we show both numbers side by side.
How much is Holand og Setskog Sparebank worth?
The market values Holand og Setskog Sparebank at about 82.6M NOK (market capitalisation, as of Nov 7, 2026). Per share that is kr 120.08; our models calculate a fair value of kr 240.16 per share.
What do the bullish and bearish scenarios say about HSPG?
Our models span a range for Holand og Setskog Sparebank: cautious scenario kr 180.12, base kr 240.16, optimistic kr 300.20 per share (as of Nov 7, 2026, price kr 120.08). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Holand og Setskog Sparebank (HSPG)?
Balance-sheet figures for Holand og Setskog Sparebank (as of Nov 7, 2026): return on equity 0.2%, debt of 2.65 per unit of equity. They feed the Quality Score of 47/100, which measures business quality independently of the share price.
How far is HSPG from its 52-week high?
Holand og Setskog Sparebank trades at kr 120.08, about 28% below its 52-week high of kr 166.96 and 4% above the low of kr 115.00 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of kr 240.16 is for.
Which stocks are comparable to Holand og Setskog Sparebank?
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 Holand og Setskog Sparebank stock attractive at the current price?
The data as of Nov 7, 2026: price kr 120.08, calculated fair value kr 240.16 (+100%), Quality Score 47/100, 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 HSPG calculated?
We run Holand og Setskog Sparebank 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 240.16 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. Holand og Setskog Sparebank currently trades 50% 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 Holand og Setskog Sparebank (HSPG)?
The closing price on Nov 6, 2026 was kr 120.08. Our model-based fair value is kr 240.16, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Holand og Setskog Sparebank right now?
The large discount to fair value meets weak quality (47/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (kr 180.12). The market is more pessimistic than our downside scenario. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Holand og Setskog Sparebank (HSPG) come from?
Earnings per share at Holand og Setskog Sparebank grew +11.3 % a year from 2008 to 2019. Broken into its drivers: revenue per share +5.2 %, EBIT margin −17.4 %, tax rate +0.7 %, residual (interest, one-offs) +27.2 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Holand og Setskog Sparebank

How large is the market capitalisation of Holand og Setskog Sparebank (HSPG)?
The market capitalisation of Holand og Setskog Sparebank is 82.6M NOK (≈ $8.8M). 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 Holand og Setskog Sparebank (HSPG)?
The price-to-sales ratio of Holand og Setskog Sparebank is 0.77 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Holand og Setskog Sparebank (HSPG)?
Earnings per share at Holand og Setskog Sparebank are kr −2.74. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Holand og Setskog Sparebank (HSPG)?
The dividend yield of Holand og Setskog Sparebank is 4.2%. 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 Holand og Setskog Sparebank (HSPG)?
The net margin of Holand og Setskog Sparebank is 24.2% (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 Holand og Setskog Sparebank (HSPG)?
The return on equity (ROE) of Holand og Setskog Sparebank is 0.2% (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 Holand og Setskog Sparebank (HSPG)?
On an EBIT basis the return on assets of Holand og Setskog Sparebank is 1.2% (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 Holand og Setskog Sparebank (HSPG)?
The operating margin of Holand og Setskog Sparebank is 1,847% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Holand og Setskog Sparebank (HSPG)?
Revenue at Holand og Setskog Sparebank is growing −2.3% versus a year earlier (3y avg +2.6%). 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 Holand og Setskog Sparebank (HSPG)?
Earnings per share at Holand og Setskog Sparebank are growing −82.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Holand og Setskog Sparebank (HSPG) generate?
The free cash flow of Holand og Setskog Sparebank is 81.5M 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 Holand og Setskog Sparebank (HSPG) carry?
The net debt of Holand og Setskog Sparebank is 2.4B NOK (fiscal year 2025, ≈ 29.8 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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