Stock TOTG TOTENS SPAREBANK
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Financials Totens Sparebank

Equities

TOTG

NO0006001205

Banks

Real-time Oslo Bors
Other stock markets
 10:45:00 2024-04-30 am EDT 		5-day change 1st Jan Change
240 NOK +0.86% Intraday chart for Totens Sparebank +4.80% +16.50%
Feb. 23 Totens Sparebank Investors Approve Merger With SpareBank 1 Østlandet MT
Feb. 12 Totens Sparebank Reports Earnings Results for the Fourth Quarter and Full Year Ended December 31, 2023 CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 851.3 875.8 1,323 1,347 1,262 1,470 - -
Enterprise Value (EV) 1 851.3 875.8 1,323 1,347 1,262 1,470 1,470 1,470
P/E ratio 7.69 x 9.64 x 12.6 x 11.3 x 9.2 x 9.53 x 9.18 x 9.05 x
Yield 6.12% 4.72% 4.63% - - 5.83% 5.83% 6.25%
Capitalization / Revenue 2.66 x 2.72 x 3.82 x 3.23 x 2.43 x 2.68 x 2.72 x 2.68 x
EV / Revenue 2.66 x 2.72 x 3.82 x 3.23 x 2.43 x 2.68 x 2.72 x 2.68 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.91 x 0.88 x 1.25 x - - 1.11 x 1.01 x 0.96 x
Nbr of stocks (in thousands) 6,125 6,125 6,125 6,125 6,125 6,125 - -
Reference price 2 139.0 143.0 216.0 220.0 206.0 240.0 240.0 240.0
Announcement Date 2/11/20 2/9/21 2/9/22 2/7/23 2/12/24 - - -
1NOK in Million2NOK
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 319.9 322.6 346.5 417.3 518.6 549 540.1 549
EBITDA - - - - - - - -
EBIT 1 253.6 230.8 235.9 306.4 379.9 406.6 391.7 394.7
Operating Margin 79.27% 71.55% 68.09% 73.42% 73.25% 74.06% 72.52% 71.89%
Earnings before Tax (EBT) 1 246.2 223.6 264 310.6 377.2 408.2 405.2 406.3
Net income 1 193.3 180 209.5 244.6 292.4 327 324.3 324.9
Net margin 60.42% 55.79% 60.47% 58.62% 56.38% 59.56% 60.04% 59.18%
EPS 2 18.07 14.84 17.11 19.40 22.38 25.19 26.14 26.52
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 8.500 6.750 10.00 - - 14.00 14.00 15.00
Announcement Date 2/11/20 2/9/21 2/9/22 2/7/23 2/12/24 - - -
1NOK in Million2NOK
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4
Net sales 1 91.31 92.82 91.27 97.11 108.5 120.4 141.9 127.6 134.2 133.6 135.5 134.8 139.1 139.7
EBITDA - - - - - - - - - - - - - -
EBIT 1 70.17 68.81 61.92 99.63 79.66 90.93 88.31 99.09 103.3 90.03 97 98.4 105.9 105.4
Operating Margin 76.85% 74.13% 67.84% 102.59% 73.44% 75.5% 62.25% 77.65% 77.02% 67.38% 71.59% 73% 76.13% 75.45%
Earnings before Tax (EBT) 1 71.31 69.52 55.54 97.72 75.89 81.45 77.11 125.8 92.86 81.05 83.5 124.5 99.7 100.6
Net income 1 54.28 54.68 42.26 83.44 57.78 61.14 58.57 102.7 70.54 60.18 63.2 102.7 75.6 76.7
Net margin 59.44% 58.91% 46.3% 85.92% 53.27% 50.77% 41.29% 80.45% 52.57% 45.03% 46.64% 76.19% 54.35% 54.9%
EPS 2 4.440 4.470 3.330 6.700 4.600 4.810 4.460 7.940 5.390 4.550 5.000 8.130 5.990 6.070
Dividend per Share 2 - - - - - - - - - - 14.00 - - -
Announcement Date 10/21/21 2/9/22 4/28/22 8/11/22 10/27/22 2/7/23 4/27/23 8/31/23 10/26/23 2/12/24 - - - -
1NOK in Million2NOK
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 10.6% 9.14% 9.92% - - 12% 11.3% 10.8%
ROA (Net income/ Total Assets) 1.18% 1.01% 1.06% - - 1.4% 1.4% 1.3%
Assets 1 16,387 17,870 19,746 - - 23,357 23,164 24,992
Book Value Per Share 2 153.0 162.0 173.0 - - 217.0 237.0 250.0
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 2/11/20 2/9/21 2/9/22 2/7/23 2/12/24 - - -
1NOK in Million2NOK
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Totens Sparebank

Trading Rating
Investor Rating
ESG Refinitiv
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EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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