What is SpareBank 1 Helgeland's (HELG.OL) StockRank?

MoatMap's StockRank for SpareBank 1 Helgeland (HELG.OL) is 20/100, with a Sell signal. This is a composite score combining Quality (37), Value (45), and Momentum (28) factor ranks across MoatMap's 20,000+ stock universe.

Does SpareBank 1 Helgeland have an economic moat?

SpareBank 1 Helgeland (HELG.OL) has a Quality factor score of 37/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is SpareBank 1 Helgeland a buy, hold, or sell?

MoatMap's current signal for SpareBank 1 Helgeland (HELG.OL) is Sell, based on a StockRank of 20/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is SpareBank 1 Helgeland in?

SpareBank 1 Helgeland (HELG.OL) operates in the Financial Services sector, specifically the Banks - Regional industry (Norway).

Company Deep Dive

Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.

Request Deep Dive(50 Feathers)

HELG.OL

SELLREMOVE

SpareBank 1 Helgeland · Financial Services · Norway · $493M · Avg Vol: $59K/d

StockRank

P/E (TTM)

12.2x

ROE

9.3%

D/E

—

Dividend %

4.7%

Director Trades · 180d

None in 180d →

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

SpareBank 1 Helgeland is a regional Norwegian bank. While stable, it is a localized financial utility that does not offer the asymmetric global growth profile we seek.

COMPANY DESCRIPTION

SpareBank 1 Helgeland is a regional savings bank providing retail and corporate banking services to individuals and businesses in the Helgeland region of northern Norway. As part of the SpareBank 1 Alliance, the bank benefits from shared technology, product development, and procurement scale while maintaining local decision-making authority. Its competitive moat is built on deep regional market penetration, high customer loyalty, and a strong capital position.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR
Revenue	99M	130M	137M	130M	9.5%
EPS	1.38	1.50	1.75	1.51	3.0%
Shares	27M	27M	27M	27M	0.0%
Debt	896M	736M	903M	973M	2.8%
Equity	534M	546M	565M	585M	3.1%
Op CF	426M	202M	-18M	54M	-49.7%
Inv CF	-19M	-28M	-12M	-44M	—
Fin CF	-344M	-238M	75M	-10M	—

PRICE (1M)-1.9%

SMA 50SMA 200

$17.30

RSI (14)

35.0

52W High

$19.52

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.2%*45.5

ROE

9.3%44.5

GP/Assets

2.7%30.6

Op. Margin

60.4%81.7

FCF/Assets

—N/A

Piotroski

—20.6

Int. Cover

—N/A

D/E Ratio

—N/A

Current Ratio

—N/A

Value

P/E (TTM)

12.2x54.1

EV/EBITDA

—N/A

P/FCF

—N/A

P/B

0.9x65.2

P/S

4.0x39.5

Div Yield

4.7%72.0

Momentum

52W High %

89%42.6

RS 6M

-30%14.2

SMA 50/200

0.99x32.0

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

+9%31.0

Q Growth

-14%18.6

FUNDAMENTALS

Market Cap

$493M

P/E (Forward)

11.3x

Gross Margin

0.0%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of HELG.OL are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
HELG.OL	SpareBank 1 Helgeland(you)	$493M	20	SELL
PARB.OL	Pareto Bank ASA	$581M	25	SELL
SOAG.OL	SpareBank 1 Østfold Akershus	$597M	39	HOLD
ROGS.OL	Rogaland Sparebank	$372M	39	HOLD
MORG.OL	Sparebanken Møre	$605M	41	HOLD
JAREN.OL	Jæren Sparebank	$184M	31	SELL
SKUE.OL	Skue Sparebank	$209M	43	HOLD
SPOG.OL	Sparebanken Øst	$167M	40	HOLD
INSTA.OL	Instabank ASA	$210M	49	HOLD
RING.OL	SpareBank 1 Ringerike Hadeland	$740M	62	HOLD

Peer medians: ROE 13.1% · P/E 10.8x · Gross margin 0.0%

SpareBank 1 Helgeland (HELG.OL) — Stock Score Summary

SpareBank 1 Helgeland (HELG.OL) has a MoatMap StockRank of 20/100 based on Quality (37/100), Value (45/100), and Momentum (28/100) factor scores. The current signal is SELL. SpareBank 1 Helgeland is a regional Norwegian bank. While stable, it is a localized financial utility that does not offer the asymmetric global growth profile we seek.

Key Financial Metrics

Price	$17.30
Market Cap	$493M
P/E (TTM)	12.23
P/E (Forward)	11.26
Price/Book	0.90
Return on Equity	9.3%
Gross Margin	0.0%
Operating Margin	60.4%
Revenue Growth	-9.3%
Dividend Yield	4.7%

SpareBank 1 Helgeland operates in the Banks - Regional industry, part of the Financial Services sector (Norway).

Frequently Asked Questions

What is SpareBank 1 Helgeland’s (HELG.OL) StockRank?: MoatMap’s StockRank for SpareBank 1 Helgeland (HELG.OL) is 20/100, with a Sell signal. It is a composite of Quality (37), Value (45), and Momentum (28) factor ranks across MoatMap’s 20,000+ stock universe.
Does SpareBank 1 Helgeland have an economic moat?: SpareBank 1 Helgeland (HELG.OL) has a Quality factor score of 37/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is SpareBank 1 Helgeland a buy, hold, or sell?: MoatMap’s current signal for SpareBank 1 Helgeland (HELG.OL) is Sell, based on a StockRank of 20/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is SpareBank 1 Helgeland in?: SpareBank 1 Helgeland (HELG.OL) operates in the Financial Services sector, specifically the Banks - Regional industry (Norway).