What is Jæren Sparebank's (JAREN.OL) StockRank?

MoatMap's StockRank for Jæren Sparebank (JAREN.OL) is 31/100, with a Sell signal. This is a composite score combining Quality (40), Value (53), and Momentum (30) factor ranks across MoatMap's 20,000+ stock universe.

Does Jæren Sparebank have an economic moat?

Jæren Sparebank (JAREN.OL) has a Quality factor score of 40/100. 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 Jæren Sparebank a buy, hold, or sell?

MoatMap's current signal for Jæren Sparebank (JAREN.OL) is Sell, based on a StockRank of 31/100. 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 Jæren Sparebank in?

Jæren Sparebank (JAREN.OL) operates in the Financial Services sector, specifically the Banks - Regional industry (Norway).

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JAREN.OL

SELLREMOVE

Jæren Sparebank · Financial Services · Norway · $184M · Avg Vol: $20K/d

StockRank

P/E (TTM)

10.9x

ROE

11.3%

D/E

—

Dividend %

5.8%

Director Trades · 180d

None in 180d →

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

Jæren Sparebank is a regional Norwegian savings bank. While stable, it is a highly localized financial institution lacking the global scale, reinvestment runway, and asymmetric macro tailwinds required for our concentrated book.

COMPANY DESCRIPTION

Jæren Sparebank is an independent regional savings bank operating in the Rogaland region of Norway, providing retail and commercial banking services. The bank maintains a strong local market share by leveraging deep community relationships and localized credit underwriting expertise. Its competitive position is reinforced by high customer loyalty and a conservative, low-risk loan portfolio.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR
Revenue	45M	55M	60M	64M	12.9%
EPS	2.08	2.61	3.00	3.36	17.4%
Shares	5M	5M	5M	5M	0.0%
Debt	373M	378M	413M	479M	8.7%
Equity	249M	272M	282M	304M	6.8%
Op CF	6M	-4M	-14M	-32M	—
Inv CF	-4M	2M	-5M	-13M	—
Fin CF	-2M	-3M	18M	45M	—

PRICE (1M)-0.6%

SMA 50SMA 200

$36.78

RSI (14)

39.6

52W High

$39.90

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.5%*52.4

ROE

11.3%57.0

GP/Assets

2.8%32.5

Op. Margin

53.9%76.9

FCF/Assets

—N/A

Piotroski

—20.6

Int. Cover

—N/A

D/E Ratio

—N/A

Current Ratio

—N/A

Value

P/E (TTM)

10.9x64.2

EV/EBITDA

—N/A

P/FCF

—N/A

P/B

0.6x79.8

P/S

2.8x60.6

Div Yield

5.8%80.5

Momentum

52W High %

92%53.6

RS 6M

-29%15.0

SMA 50/200

0.99x31.2

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

-3%19.4

Q Growth

-8%23.1

FUNDAMENTALS

Market Cap

$184M

P/E (Forward)

11.2x

Gross Margin

0.0%

SECTOR PEERS

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

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

Peer medians: ROE 13.1% · P/E 10.9x · Gross margin 0.0%

Jæren Sparebank (JAREN.OL) — Stock Score Summary

Jæren Sparebank (JAREN.OL) has a MoatMap StockRank of 31/100 based on Quality (40/100), Value (53/100), and Momentum (30/100) factor scores. The current signal is SELL. Jæren Sparebank is a regional Norwegian savings bank. While stable, it is a highly localized financial institution lacking the global scale, reinvestment runway, and asymmetric macro tailwinds required for our concentrated book.

Key Financial Metrics

Price	$36.78
Market Cap	$184M
P/E (TTM)	10.89
P/E (Forward)	11.18
Price/Book	0.62
Return on Equity	11.3%
Gross Margin	0.0%
Operating Margin	53.9%
Revenue Growth	-3.3%
Dividend Yield	5.8%

Jæren Sparebank operates in the Banks - Regional industry, part of the Financial Services sector (Norway).

Frequently Asked Questions

What is Jæren Sparebank’s (JAREN.OL) StockRank?: MoatMap’s StockRank for Jæren Sparebank (JAREN.OL) is 31/100, with a Sell signal. It is a composite of Quality (40), Value (53), and Momentum (30) factor ranks across MoatMap’s 20,000+ stock universe.
Does Jæren Sparebank have an economic moat?: Jæren Sparebank (JAREN.OL) has a Quality factor score of 40/100. 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 Jæren Sparebank a buy, hold, or sell?: MoatMap’s current signal for Jæren Sparebank (JAREN.OL) is Sell, based on a StockRank of 31/100. 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 Jæren Sparebank in?: Jæren Sparebank (JAREN.OL) operates in the Financial Services sector, specifically the Banks - Regional industry (Norway).