Romerike Sparebank

Romerike Sparebank has a debt-to-equity ratio of 1.78, indicating a moderate reliance on debt financing relative to equity. The bank's liquidity is assessed as medium, with a negative net cash position after subtracting total debt, suggesting potential short-term liquidity constraints. The return on equity (ROE) is 1.96%, and the return on assets (ROA) is 0.26%, both of which are below the typical performance benchmarks for banks, indicating relatively weak profitability.

The bank's profitability metrics, particularly ROE and ROA, are below the industry median for banks, which typically have higher returns due to the leverage and scale of operations. This suggests that Romerike Sparebank may be underperforming compared to its peers in terms of generating returns for shareholders and utilizing its assets efficiently.

Romerike Sparebank's revenue is primarily concentrated in Norway, with no significant international operations disclosed in the available data. The bank does not report segment-specific revenue figures, making it difficult to assess the contribution of different business lines to overall performance. The lack of geographic and segment diversification could expose the bank to regional economic risks, particularly in the Norwegian market.

The bank's growth trajectory is not clearly defined in the available data, as there are no specific revenue growth projections or historical growth rates provided. However, the current financial performance, as indicated by ROE and ROA, suggests that the bank may be facing challenges in driving sustainable growth. The absence of detailed growth metrics makes it difficult to assess the bank's future prospects.

The risk assessment for Romerike Sparebank indicates a medium liquidity risk and a low dilution risk. The bank's negative net cash position after subtracting total debt suggests potential liquidity constraints, which could impact its ability to meet short-term obligations. The low dilution risk indicates that the bank is not expected to issue additional shares in the near term, which is a positive sign for existing shareholders.

Recent events and disclosures for Romerike Sparebank are limited in the available data, with no specific filings or transcripts provided. The lack of recent events makes it difficult to assess the bank's current strategic direction and operational performance. Investors and analysts may need to rely on future disclosures to gain a more comprehensive understanding of the bank's performance and risk profile.

Revenue grew 31.7% annually over three years, demonstrating strong top-line expansion for the regional bank.

Net income surged 21.2% annually over three years, indicating robust profitability growth trends.

Total assets expanded 17.2% annually over three years, reflecting consistent balance sheet growth.

Free cash flow increased 17.0% year-over-year, reaching 171.5 million NOK in the latest period.

Return on equity of 1.96% falls in the bottom quartile of the banking cohort median.

Debt-to-equity ratio of 1.78 is in the bottom quartile, significantly exceeding the 0.29 cohort median.

Analyst consensus suggests a 6.9% downside, with a mean price target below the current market price.

Return on assets of 0.26% indicates very low efficiency in generating profit from total assets.

The company faces medium liquidity risk, which could constrain operational flexibility during market stress.

Revenue kr 93.8M, −3,5% YoY; Net income +19,4% YoY.

• ▍Revenue kr 93.8M, −3,5% YoY
• ▍Net income +19,4% YoY
• ▍Net margin 83.9%

Revenue kr 93.5M, −1,7% YoY; Net income +4,6% YoY.

• ▍Revenue kr 93.5M, −1,7% YoY
• ▍Net income +4,6% YoY
• ▍Net margin 48.1%

Revenue kr 98.0M; Net margin 37.8%.

• ▍Revenue kr 98.0M
• ▍Net margin 37.8%

Revenue kr 97.2M; Net margin 67.8%.

• ▍Revenue kr 97.2M
• ▍Net margin 67.8%

Revenue kr 95.2M; Net margin 45.2%.

• ▍Revenue kr 95.2M
• ▍Net margin 45.2%

Revenue kr 389.0M, +10,6% YoY; Net income +21,3% YoY.

• ▍Revenue kr 389.0M, +10,6% YoY
• ▍Net income +21,3% YoY
• ▍Free cash flow +17,0% YoY
• ▍Net margin 49.4%

Revenue kr 351.6M, +29,0% YoY; Net income +18,1% YoY.

• ▍Revenue kr 351.6M, +29,0% YoY
• ▍Net income +18,1% YoY
• ▍Net margin 45.0%

Revenue kr 272.5M, +60,2% YoY; Net income +24,1% YoY.

• ▍Revenue kr 272.5M, +60,2% YoY
• ▍Net income +24,1% YoY
• ▍Net margin 49.2%

Revenue kr 170.1M; Net margin 63.5%.

• ▍Revenue kr 170.1M
• ▍Net margin 63.5%