Jaeren Sparebank (JAREN) - Net Assets

Latest as of December 2025: Nkr2.81 Billion NOK ≈ $295.41 Million USD

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. Read JAREN liabilities breakdown for a breakdown of total debt and financial obligations.

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

Jaeren Sparebank - Net Assets Trend (2016–2025)

This chart illustrates how Jaeren Sparebank's net assets have evolved over time, based on quarterly financial data. Also explore how large is Jaeren Sparebank's balance sheet for the complete picture of this company's asset base.

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 valuation and market cap data, see how much is Jaeren Sparebank 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	--

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.

Current Equity Component Breakdown (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
S-ENJOY SERVICE GR.DL-01 F:78E	$181.24 Million
Allpark Empreendimentos Participações e Serviços S.A SA:ALPK3	$181.27 Million
Chesapeake Gold Corp. V:CKG	$181.31 Million
Yorkville Acquisition Corp. NASDAQ:MCGA	$181.34 Million
Uniplus Electronics Co Ltd TWO:5381	$181.04 Million
Gofore Oyj HE:GOFORE	$181.01 Million
Asian Sea Corporation Public Company Limited BK:ASIAN	$180.99 Million
NP3 Fastigheter AB (publ) ST:NP3-PREF	$180.99 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: 0.61x
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 1.18x to 0.61x 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	Nkr350.00	x
2017-12-31	Nkr309.48	Nkr350.00	x
2018-12-31	Nkr359.73	Nkr350.00	x
2019-12-31	Nkr383.90	Nkr350.00	x
2020-12-31	Nkr402.01	Nkr350.00	x
2021-12-31	Nkr427.74	Nkr350.00	x
2022-12-31	Nkr469.16	Nkr350.00	x
2023-12-31	Nkr509.95	Nkr350.00	x
2024-12-31	Nkr528.91	Nkr350.00	x
2025-12-31	Nkr570.79	Nkr350.00	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: $11,876,749,018
Average return on equity (ROE) among peers: 6.95%

Peer Company Comparison

Company	Net Assets	Return on Equity	Debt-to-Equity	Market Cap
Jaeren Sparebank (JAREN)	Nkr2.81 Billion	9.58%	6.46x	$181.14 Million
Aasen Sparebank (AASB)	$685.42 Million	7.24%	7.19x	$24.75 Million
Aurskog Sparebank (AURG)	$330.39 Million	10.56%	15.15x	$123.04 Million
Bien Sparebank ASA (BIEN)	$652.26 Million	6.45%	6.60x	$93.84 Million
DnB ASA (DNB)	$101.40 Billion	8.47%	16.98x	$42.91 Billion
Grong Sparebank (GRONG)	$1.36 Billion	8.18%	7.05x	$83.18 Million
Helgeland Sparebank (HELG)	$1.49 Billion	8.61%	10.17x	$471.00 Million
Holand og Setskog Sparebank (HSPG)	$232.48 Million	7.59%	13.83x	$11.58 Million
Instabank ASA (INSTA)	$236.86 Million	-7.35%	1.22x	$200.27 Million
Kraft Bank Asa (KRAB)	$506.89 Million	12.83%	7.71x	$58.73 Million

About Jaeren Sparebank

OL:JAREN Norway Banks - Regional

Market Cap

$181.14 Million

Nkr1.72 Billion NOK

Market Cap Rank

#16913 Global

#140 in Norway

Share Price

Nkr350.00

Change (1 day)

+0.14%

52-Week Range

Nkr340.15 - Nkr389.90

All Time High

Nkr389.90