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SpareBank 1 Nord-Norge
SPXXFFinancial ServicesOTCNO
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $980.79M | 34.6% | $339.35M | $344.26M | N/A |
| 2027 | $1.01B | 34.6% | $348.18M | $353.21M | $321.10M |
| 2028 | $1.03B | 34.6% | $357.23M | $362.39M | $299.50M |
| 2029 | $1.06B | 34.6% | $366.52M | $371.81M | $279.35M |
| 2030 | $1.09B | 34.6% | $376.05M | $381.48M | $260.56M |
| 2031 | $1.12B | 34.6% | $385.82M | $391.40M | $243.03M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $1.52 | 2025-12-31 |
| EPS growth | +3.4% | Forecast years: 5 |
| Future EPS | $1.797 | EPS × (1 + G)^5 |
| Base P/E | 4.2 | P/E |
| Future price | $7.546 | Future EPS × P/E |
| Fair value today | $4.685 | PV @ 10.0% |
| 30% safety price | $3.28 | Margin of safety |
| 50% safety price | $2.343 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $26.881 | $33.374 | $42.229 |
| 10.0% | $20.283 | $25.071 | $31.331 |
| 11.0% | $15.076 | $18.721 | $23.338 |