AASB — Aasen Sparebank Financial Services · Banks - Regional OSL
NOK 132.50
52W NOK 118 – NOK 151
USD NOK 132.50
1D 5D 1M 3M 6M YTD 1Y 5Y MAX
Income Statement Balance Sheet Cash Flow
Annual · All values in Norwegian Krone (NOK)
NOK FY2025 FY2024 FY2023 FY2022 Revenue 199.85M 192.36M 177.22M 121.63M YoY Growth +3.9% +8.5% +45.7% — Gross Profit — — — — Gross Margin — — — — R&D — — — — SG&A 2.33M 2.75M 2.38M 3.05M EBIT — — — — EBIT Margin — — — — D&A 3.28M 3.64M 3.62M 3.63M EBITDA — — — — EBITDA Margin — — — — Net Income 81.93M 78.98M 76.34M 49.62M Net Margin 41.0% 41.1% 43.1% 40.8% EPS (diluted) — NOK 11.38 NOK 12.20 NOK 6.61 Shares (dil., M) — 2 2 2
Company Brief
Aasen Sparebank provides various banking products and services in Norway. The company offers savings account, savings account for children and home purchase, pension, long-term savings, and stocks. It also provides lease financing; and mortgage, car, green, and small loans. In addition, the company offers health, group life, travel, and occupational injury insurance; and bank card, credit card, online and mobile banking services, and payment solutions. Aasen Sparebank was founded in 1862 and is based in Åsen, Norway.
CEO Mr. Bjørn Asle Hynne Employees 39 IPO Date 2016-01-15 Country Norway Website aasen-sparebank.no Margins (TTM)
Gross Margin — EBITDA Margin — EBIT Margin — Net Margin 41.0% FCF Margin -52.2%
Returns on Capital
ROIC — ROCE — ROE 9.2% ROA 1.1% Asset Turnover 0.03×
Earnings Quality
FCF / Net Income -127.4% SBC / Net Income — SBC / Revenue — Capex / D&A 0.40×
Growth (CAGR)
Metric 3yr Revenue 18.0% EPS 31.2% FCF — Dividend —
Ownership
Float 74.7% Shares Out. 1.7M Insiders % — Institutions % — Institutions (of float) — Institution holders — Insider net buy 6M —
Balance Sheet
Cash & ST Invest. NOK 104.8M Total Debt NOK 1.2B Net Cash / (Debt) -NOK 1.2B Total Assets NOK 7.2B Total Equity NOK 886.7M Goodwill & Intang. — Tangible Book Value NOK 886.7M NCAV (Graham) — Tangible Book/sh NOK 512.61 NCAV/sh —
Leverage
D/E Ratio 1.39× Net Debt / EBITDA — Interest Coverage — Current Ratio — Quick Ratio —
Capital Allocation (last FY)
Capex NOK 1.3M Capex / Revenue 0.7% SBC — Dividends Paid NOK 15.6M Buybacks —
Dividends
Annual DPS NOK 10.00 Yield (fwd) 7.55% Payout Ratio 83.1% Ex-div Date 2026-03-20
Valuation vs History
P/E vs 4Y 12.6× vs 14.2× median Div yield vs 10Y 736.0% vs 4.4% median
Buyback History
FY 2025 — 0.0%
FY 2024 — 0.0%
FY 2023 — 0.0%
FY 2022 — —
Margins (TTM)
Gross Margin — EBITDA Margin — EBIT Margin — Net Margin 41.0% FCF Margin -52.2%
Returns on Capital
ROIC — ROCE — ROE 9.2% ROA 1.1% Asset Turnover 0.03×
Earnings Quality
FCF / Net Income -127.4% SBC / Net Income — SBC / Revenue — Capex / D&A 0.40×
Growth (CAGR)
Metric 3yr Revenue 18.0% EPS 31.2% FCF — Dividend —
Ownership
Float 74.7% Shares Out. 1.7M Insiders % — Institutions % — Institutions (of float) — Institution holders — Insider net buy 6M —
NOK 132.50
1D 5D 1M 3M 6M YTD 1Y 5Y MAX
Income Statement Balance Sheet Cash Flow
Annual · All values in Norwegian Krone (NOK)
NOK FY2025 FY2024 FY2023 FY2022 Revenue 199.85M 192.36M 177.22M 121.63M YoY Growth +3.9% +8.5% +45.7% — Gross Profit — — — — Gross Margin — — — — R&D — — — — SG&A 2.33M 2.75M 2.38M 3.05M EBIT — — — — EBIT Margin — — — — D&A 3.28M 3.64M 3.62M 3.63M EBITDA — — — — EBITDA Margin — — — — Net Income 81.93M 78.98M 76.34M 49.62M Net Margin 41.0% 41.1% 43.1% 40.8% EPS (diluted) — NOK 11.38 NOK 12.20 NOK 6.61 Shares (dil., M) — 2 2 2
Company Brief
Aasen Sparebank provides various banking products and services in Norway. The company offers savings account, savings account for children and home purchase, pension, long-term savings, and stocks. It also provides lease financing; and mortgage, car, green, and small loans. In addition, the company offers health, group life, travel, and occupational injury insurance; and bank card, credit card, online and mobile banking services, and payment solutions. Aasen Sparebank was founded in 1862 and is based in Åsen, Norway.
CEO Mr. Bjørn Asle Hynne Employees 39 IPO Date 2016-01-15 Country Norway Website aasen-sparebank.no Balance Sheet
Cash & ST Invest. NOK 104.8M Total Debt NOK 1.2B Net Cash / (Debt) -NOK 1.2B Total Assets NOK 7.2B Total Equity NOK 886.7M Goodwill & Intang. — Tangible Book Value NOK 886.7M NCAV (Graham) — Tangible Book/sh NOK 512.61 NCAV/sh —
Leverage
D/E Ratio 1.39× Net Debt / EBITDA — Interest Coverage — Current Ratio — Quick Ratio —
Capital Allocation (last FY)
Capex NOK 1.3M Capex / Revenue 0.7% SBC — Dividends Paid NOK 15.6M Buybacks —
Dividends
Annual DPS NOK 10.00 Yield (fwd) 7.55% Payout Ratio 83.1% Ex-div Date 2026-03-20
Valuation vs History
P/E vs 4Y 12.6× vs 14.2× median Div yield vs 10Y 736.0% vs 4.4% median
Buyback History
FY 2025 — 0.0%
FY 2024 — 0.0%
FY 2023 — 0.0%
FY 2022 — —
Not investment advice Updated 4/17/2026
