What is SpareBank 1 Ringerike Hadeland's (RING.OL) StockRank?

MoatMap's StockRank for SpareBank 1 Ringerike Hadeland (RING.OL) is 62/100, with a Hold signal. This is a composite score combining Quality (50), Value (45), and Momentum (56) factor ranks across MoatMap's 20,000+ stock universe.

Does SpareBank 1 Ringerike Hadeland have an economic moat?

SpareBank 1 Ringerike Hadeland (RING.OL) has a Quality factor score of 50/100. 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 Ringerike Hadeland a buy, hold, or sell?

MoatMap's current signal for SpareBank 1 Ringerike Hadeland (RING.OL) is Hold, based on a StockRank of 62/100. 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 Ringerike Hadeland in?

SpareBank 1 Ringerike Hadeland (RING.OL) operates in the Financial Services sector, specifically the Banks - Regional industry (Norway).

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RING.OL

HOLDREMOVE

SpareBank 1 Ringerike Hadeland · Financial Services · Norway · $740M · Avg Vol: $34K/d

StockRank

P/E (TTM)

9.0x

ROE

15.1%

D/E

—

Dividend %

6.1%

Director Trades · 180d

None in 180d →

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

SpareBank 1 Ringerike Hadeland is a regional Norwegian savings bank. It is a localized, low-growth financial institution with no exposure to our high-conviction global macro themes.

COMPANY DESCRIPTION

SpareBank 1 Ringerike Hadeland is a regional savings bank providing comprehensive banking, insurance, and advisory services to retail and corporate customers in the Ringerike and Hadeland regions of Norway. The bank maintains a dominant local market share, leveraging deep community relationships and local decision-making authority. As a member of the SpareBank 1 Alliance, it benefits from shared technological infrastructure and product development, allowing it to compete effectively with larger national banks.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR
Revenue	100M	117M	140M	148M	14.0%
EPS	2.74	3.10	4.76	5.08	22.9%
Shares	16M	16M	16M	16M	0.0%
Debt	627M	620M	526M	475M	-8.9%
Equity	468M	514M	571M	599M	8.6%
Op CF	17M	34M	160M	114M	88.8%
Inv CF	-13M	1M	-25M	4M	—
Fin CF	-4M	-33M	-134M	-119M	—

PRICE (1M)-0.9%

SMA 50SMA 200

$46.93

RSI (14)

44.5

52W High

$48.56

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

2.3%*62.6

ROE

15.1%73.7

GP/Assets

4.5%53.5

Op. Margin

60.5%81.8

FCF/Assets

—N/A

Piotroski

—44.5

Int. Cover

—N/A

D/E Ratio

—N/A

Current Ratio

—N/A

Value

P/E (TTM)

9.0x74.4

EV/EBITDA

—N/A

P/FCF

—N/A

P/B

1.5x29.8

P/S

4.6x32.8

Div Yield

6.1%81.9

Momentum

52W High %

97%74.1

RS 6M

-5%54.3

SMA 50/200

1.12x82.0

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

-21%11.1

Q Growth

12%47.4

FUNDAMENTALS

Market Cap

$740M

P/E (Forward)

11.4x

Gross Margin

0.0%

SECTOR PEERS

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

Ticker	Company	Mkt Cap	StockRank	Signal
RING.OL	SpareBank 1 Ringerike Hadeland(you)	$740M	62	HOLD
MORG.OL	Sparebanken Møre	$605M	41	HOLD
SOAG.OL	SpareBank 1 Østfold Akershus	$597M	39	HOLD
NONG.OL	SpareBank 1 Nord-Norge	$1.6B	50	HOLD
ROGS.OL	Rogaland Sparebank	$372M	39	HOLD
SBNOR.OL	Sparebanken Norge	$3.6B	56	HOLD
INSTA.OL	Instabank ASA	$210M	49	HOLD
PARB.OL	Pareto Bank ASA	$581M	25	SELL
SKUE.OL	Skue Sparebank	$209M	43	HOLD
SPOL.OL	SpareBank 1 Østlandet	$2.9B	40	HOLD

Peer medians: ROE 12.3% · P/E 11.0x · Gross margin 0.0%

SpareBank 1 Ringerike Hadeland (RING.OL) — Stock Score Summary

SpareBank 1 Ringerike Hadeland (RING.OL) has a MoatMap StockRank of 62/100 based on Quality (50/100), Value (45/100), and Momentum (56/100) factor scores. The current signal is HOLD. SpareBank 1 Ringerike Hadeland is a regional Norwegian savings bank. It is a localized, low-growth financial institution with no exposure to our high-conviction global macro themes.

Key Financial Metrics

Price	$46.93
Market Cap	$740M
P/E (TTM)	9.00
P/E (Forward)	11.39
Price/Book	1.55
Return on Equity	15.1%
Gross Margin	0.0%
Operating Margin	60.5%
Revenue Growth	9.9%
Dividend Yield	6.1%

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

Frequently Asked Questions

What is SpareBank 1 Ringerike Hadeland’s (RING.OL) StockRank?: MoatMap’s StockRank for SpareBank 1 Ringerike Hadeland (RING.OL) is 62/100, with a Hold signal. It is a composite of Quality (50), Value (45), and Momentum (56) factor ranks across MoatMap’s 20,000+ stock universe.
Does SpareBank 1 Ringerike Hadeland have an economic moat?: SpareBank 1 Ringerike Hadeland (RING.OL) has a Quality factor score of 50/100. 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 Ringerike Hadeland a buy, hold, or sell?: MoatMap’s current signal for SpareBank 1 Ringerike Hadeland (RING.OL) is Hold, based on a StockRank of 62/100. 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 Ringerike Hadeland in?: SpareBank 1 Ringerike Hadeland (RING.OL) operates in the Financial Services sector, specifically the Banks - Regional industry (Norway).