Sparebank 1 Ostfold Akershus
SpareBank 1 Østfold Akershus operates as a savings bank that provides various banking products and services in Norway. It offers savings in funds; savings accounts; savings for children and retirement; and stocks and investment products. The company also provides mortgage, car, moving, consumer, vehicle, green, and transferring loans, as well as refinancing of mortgage and consumer debt; financin… Read more
Sparebank 1 Ostfold Akershus (SOAG) - Net Assets
Latest net assets as of December 2025: Nkr5.27 Billion NOK
Based on the latest financial reports, Sparebank 1 Ostfold Akershus (SOAG) has net assets worth Nkr5.27 Billion NOK as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Nkr31.41 Billion) and total liabilities (Nkr26.14 Billion). 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.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | Nkr5.27 Billion |
| % of Total Assets | 16.77% |
| Annual Growth Rate | 11.82% |
| 5-Year Change | 29.16% |
| 10-Year Change | 97.21% |
| Growth Volatility | 10.44 |
Sparebank 1 Ostfold Akershus - Net Assets Trend (2000–2025)
This chart illustrates how Sparebank 1 Ostfold Akershus's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Sparebank 1 Ostfold Akershus (2000–2025)
The table below shows the annual net assets of Sparebank 1 Ostfold Akershus from 2000 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | Nkr5.27 Billion | +4.55% |
| 2024-12-31 | Nkr5.04 Billion | +11.46% |
| 2023-12-31 | Nkr4.52 Billion | +5.09% |
| 2022-12-31 | Nkr4.30 Billion | +5.47% |
| 2021-12-31 | Nkr4.08 Billion | +9.04% |
| 2020-12-31 | Nkr3.74 Billion | +5.82% |
| 2019-12-31 | Nkr3.53 Billion | +6.13% |
| 2018-12-31 | Nkr3.33 Billion | +7.55% |
| 2017-12-31 | Nkr3.10 Billion | +15.94% |
| 2016-12-31 | Nkr2.67 Billion | +18.92% |
| 2015-12-31 | Nkr2.25 Billion | +21.91% |
| 2014-12-31 | Nkr1.84 Billion | +9.91% |
| 2013-12-31 | Nkr1.68 Billion | +10.24% |
| 2012-12-31 | Nkr1.52 Billion | +8.32% |
| 2011-12-31 | Nkr1.40 Billion | +37.88% |
| 2010-12-31 | Nkr1.02 Billion | +9.34% |
| 2009-12-31 | Nkr930.93 Million | +5.99% |
| 2008-12-31 | Nkr878.33 Million | +2.58% |
| 2007-12-31 | Nkr856.25 Million | +5.59% |
| 2006-12-31 | Nkr810.91 Million | +10.31% |
| 2005-12-31 | Nkr735.10 Million | +49.25% |
| 2004-12-31 | Nkr492.53 Million | +14.07% |
| 2003-12-31 | Nkr431.76 Million | +14.76% |
| 2002-12-31 | Nkr376.22 Million | +4.93% |
| 2001-12-31 | Nkr358.56 Million | +11.24% |
| 2000-12-31 | Nkr322.33 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Sparebank 1 Ostfold Akershus'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 3000000000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | Nkr30.00 Million | 0.57% |
| Common Stock | Nkr1.24 Billion | 23.53% |
| Other Components | Nkr4.00 Billion | 75.90% |
| Total Equity | Nkr5.27 Billion | 100.00% |
Sparebank 1 Ostfold Akershus Competitors by Market Cap
The table below lists competitors of Sparebank 1 Ostfold Akershus ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Sunlour Pigment CO.LTD.
SHE:301036
|
$164.40 Million |
|
ANTENGENE CORP. DL-0001
F:722
|
$164.44 Million |
|
KRN Heat Exchanger and Refrigeration
NSE:KRN
|
$164.46 Million |
|
Shivalik Bimetal Controls Limited
NSE:SBCL
|
$164.48 Million |
|
QPOWER
NSE:QPOWER
|
$164.36 Million |
|
Energa SA
F:EN2
|
$164.31 Million |
|
Erajaya Swasembada Tbk
JK:ERAA
|
$164.31 Million |
|
Jiangsu Sainty Corp Ltd
SHG:600287
|
$164.31 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Sparebank 1 Ostfold Akershus's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 5,037,000,000 to 5,266,000,000, a change of 229,000,000 (4.5%).
- Net income of 657,000,000 contributed positively to equity growth.
- Share repurchases of 8,000,000 reduced equity.
- New share issuances of 8,000,000 increased equity.
- Other factors decreased equity by 428,000,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | Nkr657.00 Million | +12.48% |
| Share Repurchases | Nkr8.00 Million | -0.15% |
| Share Issuances | Nkr8.00 Million | +0.15% |
| Other Changes | Nkr-428.00 Million | -8.13% |
| Total Change | Nkr- | 4.55% |
Book Value vs Market Value Analysis
This analysis compares Sparebank 1 Ostfold Akershus'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: 1.07x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 4.12x to 1.07x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2008-12-31 | Nkr110.38 | Nkr455.00 | x |
| 2009-12-31 | Nkr601.23 | Nkr455.00 | x |
| 2010-12-31 | Nkr657.38 | Nkr455.00 | x |
| 2011-12-31 | Nkr73.61 | Nkr455.00 | x |
| 2012-12-31 | Nkr148.04 | Nkr455.00 | x |
| 2013-12-31 | Nkr163.20 | Nkr455.00 | x |
| 2014-12-31 | Nkr179.37 | Nkr455.00 | x |
| 2015-12-31 | Nkr209.97 | Nkr455.00 | x |
| 2016-12-31 | Nkr236.99 | Nkr455.00 | x |
| 2017-12-31 | Nkr268.10 | Nkr455.00 | x |
| 2018-12-31 | Nkr268.76 | Nkr455.00 | x |
| 2019-12-31 | Nkr285.22 | Nkr455.00 | x |
| 2020-12-31 | Nkr301.81 | Nkr455.00 | x |
| 2021-12-31 | Nkr329.09 | Nkr455.00 | x |
| 2022-12-31 | Nkr347.13 | Nkr455.00 | x |
| 2023-12-31 | Nkr364.82 | Nkr455.00 | x |
| 2024-12-31 | Nkr406.60 | Nkr455.00 | x |
| 2025-12-31 | Nkr425.09 | Nkr455.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Sparebank 1 Ostfold Akershus 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): 12.48%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 53.24%
- • Asset Turnover: 0.04x
- • Equity Multiplier: 5.96x
- Recent ROE (12.48%) is above the historical average (10.27%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2001 | 10.31% | 9.64% | 0.08x | 12.60x | Nkr1.12 Million |
| 2003 | 13.06% | 14.34% | 0.07x | 13.33x | Nkr13.20 Million |
| 2004 | 12.59% | 19.61% | 0.05x | 13.63x | Nkr12.72 Million |
| 2005 | 9.79% | 21.04% | 0.04x | 10.64x | Nkr-1.55 Million |
| 2006 | 9.77% | 19.04% | 0.05x | 11.13x | Nkr-1.85 Million |
| 2007 | 8.51% | 12.13% | 0.06x | 12.52x | Nkr-12.79 Million |
| 2008 | 4.32% | 13.01% | 0.02x | 14.74x | Nkr-49.92 Million |
| 2009 | 6.67% | 18.04% | 0.02x | 14.86x | Nkr-30.96 Million |
| 2010 | 10.28% | 26.20% | 0.03x | 13.59x | Nkr2.89 Million |
| 2011 | 7.71% | 27.46% | 0.02x | 12.61x | Nkr-32.07 Million |
| 2012 | 9.00% | 26.68% | 0.03x | 11.29x | Nkr-15.16 Million |
| 2013 | 10.24% | 31.16% | 0.03x | 10.83x | Nkr3.99 Million |
| 2014 | 11.94% | 36.88% | 0.03x | 9.77x | Nkr35.65 Million |
| 2015 | 9.84% | 38.74% | 0.03x | 8.37x | Nkr-3.56 Million |
| 2016 | 12.43% | 49.81% | 0.03x | 7.44x | Nkr65.01 Million |
| 2017 | 10.36% | 50.08% | 0.03x | 6.77x | Nkr11.26 Million |
| 2018 | 10.76% | 51.04% | 0.03x | 7.04x | Nkr25.26 Million |
| 2019 | 11.42% | 55.88% | 0.03x | 6.79x | Nkr50.20 Million |
| 2020 | 9.87% | 49.13% | 0.03x | 6.86x | Nkr-4.90 Million |
| 2021 | 10.87% | 54.49% | 0.03x | 6.46x | Nkr35.30 Million |
| 2022 | 10.51% | 47.78% | 0.04x | 6.20x | Nkr22.00 Million |
| 2023 | 10.91% | 44.14% | 0.04x | 6.20x | Nkr41.10 Million |
| 2024 | 12.94% | 54.97% | 0.04x | 5.84x | Nkr148.30 Million |
| 2025 | 12.48% | 53.24% | 0.04x | 5.96x | Nkr130.40 Million |
Industry Comparison
This section compares Sparebank 1 Ostfold Akershus's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $1,308,028,100
- Average return on equity (ROE) among peers: 8.26%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Sparebank 1 Ostfold Akershus (SOAG) | Nkr5.27 Billion | 10.31% | 4.96x | $164.37 Million |
| Aasen Sparebank (AASB) | $827.45 Million | 9.55% | 7.18x | $16.20 Million |
| Aurskog Sparebank (AURG) | $330.39 Million | 10.56% | 15.15x | $106.30 Million |
| Bien Sparebank ASA (BIEN) | $694.19 Million | 8.04% | 6.36x | $71.28 Million |
| Flekkefjord Sparebank (FFSB) | $704.85 Million | 8.01% | 7.79x | $11.92 Million |
| Grong Sparebank (GRONG) | $921.66 Million | 9.32% | 7.58x | $55.44 Million |
| Helgeland Sparebank (HELG) | $5.22 Billion | 10.93% | 6.46x | $400.97 Million |
| Haugesund Sparebank (HGSB) | $1.55 Billion | 7.63% | 6.85x | $63.52 Million |
| Holand og Setskog Sparebank (HSPG) | $160.35 Million | 0.00% | 8.28x | $8.64 Million |
| Instabank ASA (INSTA) | $786.27 Million | 10.46% | 6.38x | $40.58 Million |
| Jaeren Sparebank (JAREN) | $1.89 Billion | 8.15% | 6.69x | $35.81 Million |