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SpareBank 1 Østlandet (SPOL) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of SpareBank 1 Østlandet NOK 303, price NOK 204, upside +48.2%, quality 54 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
  3. Add to watchlist

Financial Services · NO · ISIN NO0010751910

S1 Broad data Sep 24, 2026

SpareBank 1 Østlandet

SPOL · OL

UndervaluedThe stock appears undervalued with acceptable quality.

✓Fair value kr 303.02 · Undervalued (+48%)
!Quality 54/100
✓Healthy Growth (revenue 5y +13.9 %/yr)
✓Highly profitable · 47.1% net margin (TTM)
✓Moderate debt · generates free cash flow
·6.21% dividend yield
✓Ranks above peers (9/14)
✓Wide moat 70/100
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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 209.50 kr 82.67 Fair Value kr 303.02 Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

60‑month range kr 82.67 – kr 209.50 · fair‑value band kr 227.27 – kr 378.78 · the kr 204.45 price screens below the kr 303.02 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

SpareBank 1 Østlandet provides various financial products and services to individuals, businesses, public entities, teams, associations, and organisations. It operates through the Retail Division, Corporate Division, SpareBank 1 Finans Østlandet, EiendomsMegler 1 Østlandet, and SpareBank 1 ForretningsPartner Østlandet segments.

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SpareBank 1 Østlandet provides various financial products and services to individuals, businesses, public entities, teams, associations, and organisations. It operates through the Retail Division, Corporate Division, SpareBank 1 Finans Østlandet, EiendomsMegler 1 Østlandet, and SpareBank 1 ForretningsPartner Østlandet segments. The Retail segment offers financial services comprising savings, financing, payment processing, insurance, loss prevention, capital management, and investments. The Corporate segment provides hedging for interest and foreign exchange transactions, placement of surplus liquidity, insurance for individuals, pension solutions, as well as buildings and movable property for businesses; and delivers advisory solutions to private customers and businesses, and it also engages in foreign currency services. The SpareBank 1 Finans Østlandet's segment provides activities consisting of leasing and lending for private purchases of vehicles, including car loans for electric vehicles, as well as leasing and lending to corporate customers for vehicles and operating assets. The EiendomsMegler 1 Østlandet's segment offers activities consisting of advisory services and real estate brokerage in connection with the purchase and sale of residential property and real estate. The SpareBank 1 ForretningsPartner Østlandet's segment provides activities consisting of accounting services, advisory and consultancy services, including advisory services related to sustainability. SpareBank 1 Østlandet was founded in 1845 and is headquartered in Hamar, Norway.

Stock analysis

SpareBank 1 Østlandet (SPOL) currently trades at kr 204.45, while our model-based Fair Value estimate is kr 303.02, implying the stock looks roughly 32.5% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of kr 283.90 per share, and 3 of the 4 models we run sit above the kr 204.45 price.

Bear case: the Asset-Based group reads lowest at kr 135.87, and 1 of the 4 models stay below the price. Evidence for this calculation is high.

Scenario range: kr 227.27 (bear) to kr 378.78 (bull), the price of kr 204.45 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 54/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

SpareBank 1 Østlandet reported revenue of 7.2B NOK in FY2025 versus 4.0B NOK in FY2021, a compound +16.0%/yr. Reported net income was 3.5B NOK in FY2025, compounding +15.0%/yr from FY2021.

Key figures

Market cap 27.8B NOK (≈ $2.9B) · P/E ratio 11.5 · P/S ratio 5.59 · EPS (TTM) kr 17.83 · Dividend yield 6.2% · Net margin 48.8% · Return on equity 13.5% · Return on assets (EBIT) 1.6%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).

What moves the price

The share trades about 2% below its 52-week high and 24% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at 48%, SPOL screens cheaper than that median.

Fair Value models

Bear kr 227.27 Fair Value kr 303.02 Bull kr 378.78
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (kr 3.75 per share) are deliberately not added. 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. Evidence ⓘEvidence = 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.
Highest evidence
Residual Income kr 188.62 kr 225.85 kr 468.33 71
P/E Multiple kr 252.41 kr 336.54 kr 420.68 63
P/B Multiple kr 212.93 kr 283.90 kr 354.88 55
All 4 models by family
Multiples
P/E Multiple kr 252.41 kr 336.54 kr 420.68 63
P/B Multiple kr 212.93 kr 283.90 kr 354.88 55
Asset-Based
NCAV (Graham) kr 101.39 kr 135.87 kr 202.79 54
Economic Profit
Residual Income kr 188.62 kr 225.85 kr 468.33 71

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Quality Score breakdown

Overall quality 54/100

Of which business quality 49 · Market factors (momentum, volatility) 69

Profitability 37
Margins and returns on capital today
Quality Growth 47
Are margins and returns improving?
Cashflow 98
Earnings quality: real cash, not paper profit
Fin. Strength 0
Balance sheet, leverage, solvency risk
Investment 67
Disciplined investing over empire-building
Low Volatility 96
Calm price path (market factor)
Momentum 51
Price trend over the last 3–12 months (market factor)
52W Momentum 70
Distance to the 52-week high (market factor)
Net Issuance 53
Share count: buybacks or dilution?

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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. 100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+13.5%
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.
+19.2%
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.
+13.9%
Start year 2020 (pandemic). Over 10 years: +12.2% a year
Revenue growth 11 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.
+11.0%
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. Basis: EBIT basis.
+18.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+12.3%
Dividend (yield on the price)6.2%
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.9% vs 10%, steady
Profit margin 2014 to 2019 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.54% → 54%
Start year 2020 (pandemic)

Growth Forecast

Little optimism in the price
The price assumes less growth than the company has delivered so far and less than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−6.1%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+3.7%
Yearly sales growth analysts expect, extended to five years.
After inflation (Norway: IMF forecast 2.4% a year to 2030, 3.3% from 2016 to 2025) that is about −8.3% a year for the price and +1.3% for the forecasts.
Forecast 2026 (sales)−2.6%
Forecast 2027 (sales)+6.1%
Projected 2028 (sales)+5.6%
Projected 2029 (sales)+5.1%
Projected 2030 (sales)+4.6%

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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 · 1074 stocks

Beats the industry median on 9/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 53 · Below median
Fair Value upside +48% · Top 25%
Profitability
Return on equity (TTM) 14% · Top 25%
Return on assets 2% · Top 25%
Net margin (TTM) 47% · Top 25%
Operating margin (TTM) 51% · Top 25%
Growth and dividend
Revenue growth −1% · Bottom 25%
Dividend yield (TTM) 6.2% · Top 25%
Balance sheet
Debt / equity 1.24× · Highest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 11.5× · Cheaper than median
P/B 1.01× · Cheaper than median
P/S (TTM) 3.79× · Pricier than median
P/FCF 0.4× · Cheapest 25%
EV/EBITDA 17.5× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)98 · sector 11
FUTURE (revenue growth)0 · sector 45
PAST (return on equity)54 · sector 41
HEALTH (low debt)38 · sector 85
DIVIDEND (yield)100 · sector 53

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
DBS Group D05 77.69 SGD 40.48 SGD −48%
China Merchants Bank Co 3968 HK$51.25 HK$62.30 +22%
Intesa Sanpaolo S.p.A ISP €6.73 €4.04 −40%
HDFC Bank Limited HDFCBANK ₹737.25 ₹406.85 −45%
BNP Paribas SA BNP €101.30 €105.99 +5%
UniCredit S.p.A UCG €83.28 €77.62 −7%
Mizuho Financial Group MFG $10.87 $6.75 −38%
ICICI Bank Limited ICICIBANK ₹1,340 ₹616.16 −54%
The PNC Financial Services Group PNC $227.96 $159.52 −30%
Oversea-Chinese Banking Corporation O39 32.14 SGD 19.80 SGD −38%

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Cite: Fair Value Calculator (2026). "SpareBank 1 Østlandet Fair Value". https://www.fairvalue-calculator.com/stock/SPOL

Frequently asked questions

Is SpareBank 1 Østlandet (SPOL) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of kr 303.02 versus a price of kr 204.45, about +48% upside (undervalued).
What is the fair value of SPOL?
Our model-based fair value for SpareBank 1 Østlandet is kr 303.02 (as of Sep 24, 2026), built from audited fundamentals. The current price: kr 204.45.
What is the quality score of SPOL?
SpareBank 1 Østlandet has a Quality Score of 54/100. 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 SpareBank 1 Østlandet (SPOL)?
Our model-based price target is the fair value of kr 303.02 (as of Sep 24, 2026) from 4 valuation models. Cautious scenario kr 227.27, optimistic scenario kr 378.78. It is a calculation from audited fundamentals, not an analyst target.
What is the SpareBank 1 Østlandet stock forecast for 2026?
Our models put fair value at kr 303.02, about +48% upside versus a price of kr 204.45 (undervalued). Cautious scenario kr 227.27, optimistic scenario kr 378.78. The calculation is refreshed regularly with new filings.
What is the revenue of SpareBank 1 Østlandet (SPOL)?
SpareBank 1 Østlandet reported trailing-twelve-month revenue of about 7.3B NOK (latest available figure, as of Sep 24, 2026).
Does SpareBank 1 Østlandet pay a dividend?
SpareBank 1 Østlandet currently shows a dividend yield of about 6.21% relative to its recent price (as of Sep 24, 2026).
What growth is priced into SpareBank 1 Østlandet (SPOL)?
For today's price to be fair in a discounted-cash-flow model, SpareBank 1 Østlandet would have to grow free cash flow by -6.1 % per year for five years (discount rate 8.3 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +13.9 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of SPOL use?
Our models discount SpareBank 1 Østlandet at 8.3 %: a base by market capitalisation (mid), damped by beta 0.35, country premium for Norway. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For SpareBank 1 Østlandet that is -6.1 % per year a year over ten years, using the same discount rate (8.3 %) and the same formula as our fair value.
How much growth has SpareBank 1 Østlandet (SPOL) delivered so far?
Over the past 5 years revenue at SpareBank 1 Østlandet grew +13.9 % a year. The price currently implies -6.1 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of SpareBank 1 Østlandet (SPOL) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into SpareBank 1 Østlandet (-6.1 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of SpareBank 1 Østlandet (SPOL)?
The free-cash-flow yield on the price is 23.50 %: that much free cash flow SpareBank 1 Østlandet produces per unit of market value. When it exceeds the discount rate of our models (8.3 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of SpareBank 1 Østlandet (SPOL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For SpareBank 1 Østlandet it is kr 303.02 per share (as of Sep 24, 2026), against a price of kr 204.45. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is SpareBank 1 Østlandet stock overvalued or undervalued in 2026?
As of Sep 24, 2026, SPOL trades below its calculated fair value: price kr 204.45, fair value kr 303.02, a gap of about +48% (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 SPOL?
No. The price is what the market pays today (kr 204.45); the fair value is what the company's own numbers justify (kr 303.02). For SpareBank 1 Østlandet the two are kr 98.57 per share apart. That gap is exactly why we show both numbers side by side.
How much is SpareBank 1 Østlandet worth?
The market values SpareBank 1 Østlandet at about 27.8B NOK (market capitalisation, as of Sep 24, 2026). Per share that is kr 204.45; our models calculate a fair value of kr 303.02 per share.
What do the bullish and bearish scenarios say about SPOL?
Our models span a range for SpareBank 1 Østlandet: cautious scenario kr 227.27, base kr 303.02, optimistic kr 378.78 per share (as of Sep 24, 2026, price kr 204.45). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SPOL?
SpareBank 1 Østlandet trades at a price-to-earnings ratio of 11.5 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of kr 303.02 is built from several models across several years. Other multiples: P/B 1.0, P/S 3.8, EV/EBITDA 17.5.
How solid is the balance sheet of SpareBank 1 Østlandet (SPOL)?
Balance-sheet figures for SpareBank 1 Østlandet (as of Sep 24, 2026): return on equity 13.5%, debt of 1.24 per unit of equity. They feed the Quality Score of 54/100, which measures business quality independently of the share price.
How far is SPOL from its 52-week high?
SpareBank 1 Østlandet trades at kr 204.45, about 2% below its 52-week high of kr 209.50 and 24% above the low of kr 164.49 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of kr 303.02 is for.
Which stocks are comparable to SpareBank 1 Østlandet?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 SpareBank 1 Østlandet stock attractive at the current price?
The data as of Sep 24, 2026: price kr 204.45, calculated fair value kr 303.02 (+48%), Quality Score 54/100, from 4 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 SPOL calculated?
We run SpareBank 1 Østlandet through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of kr 303.02, 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 14.1 % above its aggregate fair value. SpareBank 1 Østlandet currently trades 48 % 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 SpareBank 1 Østlandet (SPOL)?
The closing price on Sep 23, 2026 was kr 204.45. Our model-based fair value is kr 303.02, about +48% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with SpareBank 1 Østlandet right now?
The price is below even our cautious bear case (kr 227.27). The market is more pessimistic than our downside scenario. Solid quality (54/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of SpareBank 1 Østlandet

How large is the market capitalisation of SpareBank 1 Østlandet (SPOL)?
The market capitalisation of SpareBank 1 Østlandet is 27.8B NOK (≈ $2.9B). 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 SpareBank 1 Østlandet (SPOL)?
The price-to-sales ratio of SpareBank 1 Østlandet is 5.59 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of SpareBank 1 Østlandet (SPOL)?
Earnings per share at SpareBank 1 Østlandet are kr 17.83 (price ÷ EPS = P/E 11.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of SpareBank 1 Østlandet (SPOL)?
The dividend yield of SpareBank 1 Østlandet is 6.2% (payout 71.2%). 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 SpareBank 1 Østlandet (SPOL)?
The net margin of SpareBank 1 Østlandet is 48.8% (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 SpareBank 1 Østlandet (SPOL)?
The return on equity (ROE) of SpareBank 1 Østlandet is 13.5% (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 SpareBank 1 Østlandet (SPOL)?
On an EBIT basis the return on assets of SpareBank 1 Østlandet is 1.6% (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 SpareBank 1 Østlandet (SPOL)?
The operating margin of SpareBank 1 Østlandet is 50.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at SpareBank 1 Østlandet (SPOL)?
Revenue at SpareBank 1 Østlandet is growing −1.4% versus a year earlier (3y avg +19.2%). 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 SpareBank 1 Østlandet (SPOL)?
Earnings per share at SpareBank 1 Østlandet are growing −8.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does SpareBank 1 Østlandet (SPOL) carry?
The net debt of SpareBank 1 Østlandet is 47.7B NOK (fiscal year 2025, ≈ 7.3 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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