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SpareBank 1 Ringerike Hadeland, a financial institution, (RING) Fair Value & Analysis

Financial Services · NO · Market cap 6.8B NOK

Pricekr 438.00
Fair Valuekr 609.70
Upside+39.2%
Quality95/100
Evidence: High Range kr 457.28 – kr 762.13

Analysis

SpareBank 1 Ringerike Hadeland, a financial institution, (RING) currently trades at kr 438.00, while our model-based Fair Value estimate is kr 609.70 — implying the stock looks roughly 39.2% 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

SpareBank 1 Ringerike Hadeland, a financial institution, provides various banking products and services to private and corporate customers in Norway. The company offers Current, Buffer, and Savings accounts. It also provides housing, flexi, fixed-rate, financing certificate for housing, cabin, intermediate financing, and construction loans, as well as refinancing loans; financing services, such as agricultural operating credit, cash credit factoring, and leasing; bank guarantees;, car, workshop and transport, housing cooperatives and condominiums, building and construction, real estate, teams and associations, agriculture and small farms, and other insurance products, as well as advice and services; pension products; and savings and investment products. In addition, the company offers debit and credit cards, as well as mobile and online banking services. Further, it provides real estate brokerage, consulting, and accounting services. SpareBank 1 Ringerike Hadeland was incorporated i…

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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.

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