Jaeren Sparebank Net Assets
Jaeren Sparebank net assets. Based on the latest financial reports, Jaeren Sparebank (JAREN) has net assets worth Nkr2.81 Billion NOK (≈ $295.41 Million USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Nkr20.94 Billion ≈ $2.20 Billion USD) and total liabilities (Nkr18.13 Billion ≈ $1.91 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Also explore Jaeren Sparebank (JAREN) equity growth momentum to track the company's year-over-year net asset growth rate.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | Nkr2.81 Billion |
| % of Total Assets | 13.41% |
| Annual Growth Rate | 7.54% |
| 5-Year Change | 33.34% |
| 10-Year Change | N/A |
| Growth Volatility | 3.44 |
Net Assets of Jaeren Sparebank (2016–2025)
Net assets of Jaeren Sparebank from 2016 to 2025. This chart illustrates how Jaeren Sparebank's net assets have evolved over time, based on quarterly financial data. See Jaeren Sparebank balance sheet quality to measure how much of total assets are equity-financed.
Annual Net Assets for Jaeren Sparebank (2016–2025)
The table below shows the annual net assets of Jaeren Sparebank from 2016 to 2025. For live market cap and overall valuation, see Jaeren Sparebank market cap and net worth.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | Nkr2.81 Billion ≈ $295.41 Million |
+7.60% |
| 2024-12-31 | Nkr2.61 Billion ≈ $274.53 Million |
+3.72% |
| 2023-12-31 | Nkr2.52 Billion ≈ $264.69 Million |
+9.05% |
| 2022-12-31 | Nkr2.31 Billion ≈ $242.73 Million |
+9.56% |
| 2021-12-31 | Nkr2.11 Billion ≈ $221.54 Million |
+6.17% |
| 2020-12-31 | Nkr1.98 Billion ≈ $208.66 Million |
+5.03% |
| 2019-12-31 | Nkr1.89 Billion ≈ $198.66 Million |
+6.81% |
| 2018-12-31 | Nkr1.77 Billion ≈ $186.00 Million |
+15.79% |
| 2017-12-31 | Nkr1.53 Billion ≈ $160.63 Million |
+4.56% |
| 2016-12-31 | Nkr1.46 Billion ≈ $153.63 Million |
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Equity Component Analysis
This analysis shows how different components contribute to Jaeren Sparebank's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 96.2% over the analyzed period, indicating profitable operations and earnings retention.
Jaeren Sparebank Net Assets Breakdown (December 2025)
Jaeren Sparebank net assets breakdown by equity component as of December 2025.
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | Nkr1.37 Billion | 48.80% |
| Common Stock | Nkr123.31 Million | 4.39% |
| Other Components | Nkr1.31 Billion | 46.81% |
| Total Equity | Nkr2.81 Billion | 100.00% |
Jaeren Sparebank Competitors by Market Cap
The table below lists competitors of Jaeren Sparebank ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Robot Consulting Co., Ltd. ADS
NASDAQ:LAWR
|
$172.35 Million |
|
Kolon Corp
KO:002020
|
$172.42 Million |
|
KJTS
KLSE:0293
|
$172.45 Million |
|
Aurum PropTech Limited
NSE:AURUM
|
$172.46 Million |
|
PTC India Financial Services Limited
NSE:PFS
|
$172.33 Million |
|
New World Resources Ltd
AU:NWC
|
$172.25 Million |
|
A Plus Asset Advisor Co Ltd
KO:244920
|
$172.21 Million |
|
Takkt AG
XETRA:TTK
|
$172.19 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Jaeren Sparebank's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 2,608,882,000 to 2,807,286,000, a change of 198,404,000 (7.6%).
- Net income of 307,211,000 contributed positively to equity growth.
- Dividend payments of 179,441,000 reduced retained earnings.
- Other factors increased equity by 70,634,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | Nkr307.21 Million | +10.94% |
| Dividends Paid | Nkr179.44 Million | -6.39% |
| Other Changes | Nkr70.63 Million | +2.52% |
| Total Change | Nkr- | 7.60% |
Book Value vs Market Value Analysis
This analysis compares Jaeren Sparebank's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.58x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.13x to 0.58x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2016-12-31 | Nkr295.98 | Nkr333.00 | x |
| 2017-12-31 | Nkr309.48 | Nkr333.00 | x |
| 2018-12-31 | Nkr359.73 | Nkr333.00 | x |
| 2019-12-31 | Nkr383.90 | Nkr333.00 | x |
| 2020-12-31 | Nkr402.01 | Nkr333.00 | x |
| 2021-12-31 | Nkr427.74 | Nkr333.00 | x |
| 2022-12-31 | Nkr469.16 | Nkr333.00 | x |
| 2023-12-31 | Nkr509.95 | Nkr333.00 | x |
| 2024-12-31 | Nkr528.91 | Nkr333.00 | x |
| 2025-12-31 | Nkr570.79 | Nkr333.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Jaeren Sparebank utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 10.94%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 52.44%
- • Asset Turnover: 0.03x
- • Equity Multiplier: 7.46x
- Recent ROE (10.94%) is above the historical average (8.43%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2016 | 9.58% | 0.00% | 0.00x | 8.93x | Nkr-6.17 Million |
| 2017 | 7.83% | 37.35% | 0.02x | 8.96x | Nkr-33.12 Million |
| 2018 | 6.84% | 38.72% | 0.02x | 7.94x | Nkr-55.88 Million |
| 2019 | 8.15% | 43.23% | 0.02x | 7.69x | Nkr-35.00 Million |
| 2020 | 5.63% | 33.21% | 0.02x | 7.63x | Nkr-86.62 Million |
| 2021 | 7.18% | 43.37% | 0.02x | 7.55x | Nkr-59.29 Million |
| 2022 | 8.09% | 45.98% | 0.02x | 7.24x | Nkr-44.02 Million |
| 2023 | 9.51% | 47.37% | 0.03x | 6.92x | Nkr-12.39 Million |
| 2024 | 10.54% | 49.85% | 0.03x | 7.23x | Nkr14.17 Million |
| 2025 | 10.94% | 52.44% | 0.03x | 7.46x | Nkr26.48 Million |
Industry Comparison
This section compares Jaeren Sparebank's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $3,773,844,889
- Average return on equity (ROE) among peers: 10.65%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Jaeren Sparebank (JAREN) | Nkr2.81 Billion | 9.58% | 6.46x | $172.34 Million |
| Aasen Sparebank (AASB) | $337.87 Million | 8.41% | 8.09x | $25.12 Million |
| Aurskog Sparebank (AURG) | $255.73 Million | 12.41% | 12.30x | $128.42 Million |
| Bien Sparebank ASA (BIEN) | $716.68 Million | 8.48% | 6.61x | $86.07 Million |
| DnB ASA (DNB) | $25.84 Billion | 15.87% | 12.86x | $48.51 Billion |
| Grong Sparebank (GRONG) | $1.50 Billion | 13.05% | 6.57x | $71.47 Million |
| Helgeland Sparebank (HELG) | $3.56 Billion | 8.56% | 8.56x | $505.05 Million |
| Holand og Setskog Sparebank (HSPG) | $401.64 Million | 6.86% | 11.75x | $8.69 Million |
| Instabank ASA (INSTA) | $948.14 Million | 10.64% | 6.68x | $230.08 Million |
| Kraft Bank Asa (KRAB) | $400.21 Million | 11.61% | 8.30x | $51.62 Million |
About Jaeren Sparebank
Jæren Sparebank engages in providing banking and financial services to personal and agricultural customers as well as small/medium-sized businesses in Norway. The company operates through Private Market and Corporate Market. It offers checking and savings accounts; pension accounts; deposits; and refinancing services. The company also provides loans that include mortgage, mortgages for young peop… Read more