Sparebank 1 Ringerike Hadeland

Capital Structure and Liquidity Sparebank 1 Ringerike Hadeland has a market price of 74.9 NOK and a market capitalization of 1.17 billion NOK, with a price-to-book ratio of 0.21 and a price-to-tangible-book ratio of 0.21. The company's liquidity is assessed as medium, with a debt-to-equity ratio of 0.74 and a negative net cash position after subtracting total debt. The price-to-earnings ratio of 1.6 indicates a relatively low valuation compared to earnings. ### Profitability and Returns The company's return on equity (ROE) is 13.26%, and its return on assets (ROA) is 2.24%. These figures suggest that the company is generating strong returns on equity but moderate returns on assets, which is typical for banks with high leverage. The net income of 734 million NOK and revenue of 807 million NOK indicate a healthy profitability, with a net margin of approximately 91%. ### Segments and Geographic Exposure Sparebank 1 Ringerike Hadeland operates primarily in Norway, with no disclosed segments or geographic diversification. The company's revenue is concentrated in a single geographic region, which may expose it to local economic and regulatory risks. ### Growth Trajectory The company's revenue and net income have shown strong performance, with a net margin of 91%. However, the outlook for the current fiscal year and the next fiscal year is not explicitly provided in the data. The company's capital expenditure is negative, indicating a reduction in capital spending. ### Risk Factors The company faces medium liquidity risk due to its negative net cash position after subtracting total debt. The dilution risk is assessed as low, with no significant dilution potential in the near term. The risk assessment indicates that the company's liquidity and credit risk are moderate, with no specific credit risk factors detailed in the data. ### Recent Events Recent events and filings are not detailed in the provided data. Analyst estimates suggest a mean price target of 440.00 NOK, with a median price target of 440.00 NOK and a mean recommendation of 3.00 (1=strong buy, 5=strong sell). No strong-buy or buy recommendations have been issued, with three hold recommendations.