What is SpareBank 1 Østfold Akershus's (SOAG.OL) StockRank?

MoatMap's StockRank for SpareBank 1 Østfold Akershus (SOAG.OL) is 39/100, with a Hold signal. This is a composite score combining Quality (50), Value (40), and Momentum (41) factor ranks across MoatMap's 20,000+ stock universe.

Does SpareBank 1 Østfold Akershus have an economic moat?

SpareBank 1 Østfold Akershus (SOAG.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 Østfold Akershus a buy, hold, or sell?

MoatMap's current signal for SpareBank 1 Østfold Akershus (SOAG.OL) is Hold, based on a StockRank of 39/100. 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 Østfold Akershus in?

SpareBank 1 Østfold Akershus (SOAG.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)

SOAG.OL

HOLDREMOVE

SpareBank 1 Østfold Akershus · Financial Services · Norway · $597M · Avg Vol: $19K/d

StockRank

P/E (TTM)

8.8x

ROE

12.8%

D/E

—

Dividend %

—

Director Trades · 180d

None in 180d →

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

SpareBank 1 Østfold Akershus is a stable regional Norwegian bank. While it offers decent quality metrics, it is a localized financial utility lacking the global asymmetric macro tailwinds or high-growth reinvestment runway we require for our concentrated book.

COMPANY DESCRIPTION

SpareBank 1 Østfold Akershus is a regional savings bank serving retail and corporate customers in the Østfold and Akershus regions of Norway. The bank holds a strong local market position, supported by its deep understanding of the regional economy and close customer relationships. Through its participation in the SpareBank 1 Alliance, it accesses advanced digital banking platforms and shared product suites, combining local presence with national-scale efficiency.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR
Revenue	102M	121M	128M	133M	9.3%
EPS	3.70	4.03	5.30	5.34	13.1%
Shares	12M	12M	12M	12M	0.0%
Debt	423M	473M	529M	519M	7.1%
Equity	465M	489M	545M	570M	7.0%
Op CF	34M	36M	-53M	78M	31.8%
Inv CF	8M	-2M	-26M	8M	—
Fin CF	-65M	-6M	10M	-91M	—

PRICE (1M)-4.5%

SMA 50SMA 200

$48.13

RSI (14)

48.6

52W High

$51.52

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

2.2%*61.2

ROE

12.8%64.6

GP/Assets

4.4%51.7

Op. Margin

53.2%76.4

FCF/Assets

—N/A

Piotroski

—68.0

Int. Cover

—N/A

D/E Ratio

—N/A

Current Ratio

—N/A

Value

P/E (TTM)

8.8x75.3

EV/EBITDA

—N/A

P/FCF

—N/A

P/B

1.1x48.7

P/S

4.0x39.5

Div Yield

—N/A

Momentum

52W High %

93%57.5

RS 6M

-21%21.9

SMA 50/200

1.06x62.7

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

-16%13.0

Q Growth

14%49.9

FUNDAMENTALS

Market Cap

$597M

P/E (Forward)

10.5x

Gross Margin

0.0%

SECTOR PEERS

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

Ticker	Company	Mkt Cap	StockRank	Signal
SOAG.OL	SpareBank 1 Østfold Akershus(you)	$597M	39	HOLD
MORG.OL	Sparebanken Møre	$605M	41	HOLD
ROGS.OL	Rogaland Sparebank	$372M	39	HOLD
PARB.OL	Pareto Bank ASA	$581M	25	SELL
HELG.OL	SpareBank 1 Helgeland	$493M	20	SELL
SKUE.OL	Skue Sparebank	$209M	43	HOLD
SPOG.OL	Sparebanken Øst	$167M	40	HOLD
RING.OL	SpareBank 1 Ringerike Hadeland	$740M	62	HOLD
INSTA.OL	Instabank ASA	$210M	49	HOLD
NONG.OL	SpareBank 1 Nord-Norge	$1.6B	50	HOLD

Peer medians: ROE 12.7% · P/E 11.0x · Gross margin 0.0%

SpareBank 1 Østfold Akershus (SOAG.OL) — Stock Score Summary

SpareBank 1 Østfold Akershus (SOAG.OL) has a MoatMap StockRank of 39/100 based on Quality (50/100), Value (40/100), and Momentum (41/100) factor scores. The current signal is HOLD. SpareBank 1 Østfold Akershus is a stable regional Norwegian bank. While it offers decent quality metrics, it is a localized financial utility lacking the global asymmetric macro tailwinds or high-growth reinvestment runway we require for our concentrated book.

Key Financial Metrics

Price	$48.13
Market Cap	$597M
P/E (TTM)	8.84
P/E (Forward)	10.55
Price/Book	1.11
Return on Equity	12.8%
Gross Margin	0.0%
Operating Margin	53.2%
Revenue Growth	12.1%

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

Frequently Asked Questions

What is SpareBank 1 Østfold Akershus’s (SOAG.OL) StockRank?: MoatMap’s StockRank for SpareBank 1 Østfold Akershus (SOAG.OL) is 39/100, with a Hold signal. It is a composite of Quality (50), Value (40), and Momentum (41) factor ranks across MoatMap’s 20,000+ stock universe.
Does SpareBank 1 Østfold Akershus have an economic moat?: SpareBank 1 Østfold Akershus (SOAG.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 Østfold Akershus a buy, hold, or sell?: MoatMap’s current signal for SpareBank 1 Østfold Akershus (SOAG.OL) is Hold, based on a StockRank of 39/100. 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 Østfold Akershus in?: SpareBank 1 Østfold Akershus (SOAG.OL) operates in the Financial Services sector, specifically the Banks - Regional industry (Norway).