What is SpareBank 1 Østlandet's (SPOL.OL) StockRank?

MoatMap's StockRank for SpareBank 1 Østlandet (SPOL.OL) is 40/100, with a Hold signal. This is a composite score combining Quality (47), Value (48), and Momentum (36) factor ranks across MoatMap's 20,000+ stock universe.

Does SpareBank 1 Østlandet have an economic moat?

SpareBank 1 Østlandet (SPOL.OL) has a Quality factor score of 47/100. 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 Østlandet a buy, hold, or sell?

MoatMap's current signal for SpareBank 1 Østlandet (SPOL.OL) is Hold, based on a StockRank of 40/100. 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 Østlandet in?

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

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SPOL.OL

HOLDREMOVE

SpareBank 1 Østlandet · Financial Services · Norway · $2.9B · Avg Vol: $1M/d

StockRank

P/E (TTM)

10.7x

ROE

13.5%

D/E

—

Dividend %

6.7%

Director Trades · 180d

None in 180d →

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

SpareBank 1 Østlandet is a solid regional Norwegian bank, but it lacks any structural growth tailwinds or connection to our core global macro themes, offering limited asymmetric upside.

COMPANY DESCRIPTION

SpareBank 1 Østlandet is a leading Norwegian regional bank serving retail and corporate customers in the populous Innlandet, Oslo, and Akershus regions. The bank's competitive advantage is its strong local brand, high customer satisfaction, and cost-efficient operations supported by the SpareBank 1 Alliance. It is a highly stable, regional market leader with a conservative lending profile and a strong commitment to ESG-aligned financing.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR
Revenue	467M	581M	687M	780M	18.7%
EPS	1.23	1.41	2.06	1.97	17.0%
Shares	116M	116M	136M	136M	+17.3%
Debt	5.2B	4.9B	5.7B	5.2B	-0.0%
Equity	2.1B	2.2B	2.8B	3.0B	12.2%
Op CF	-423M	559M	774M	717M	13.3%
Inv CF	-3M	-35M	-90M	64M	—
Fin CF	551M	-607M	-672M	-854M	—

PRICE (1M)-5.1%

SMA 50SMA 200

$20.52

RSI (14)

30.9

52W High

$22.82

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.6%*54.8

ROE

13.5%67.5

GP/Assets

3.4%38.9

Op. Margin

50.5%73.6

FCF/Assets

—N/A

Piotroski

—68.0

Int. Cover

—N/A

D/E Ratio

—N/A

Current Ratio

—N/A

Value

P/E (TTM)

10.7x66.0

EV/EBITDA

—N/A

P/FCF

—N/A

P/B

1.1x50.8

P/S

3.5x47.0

Div Yield

6.7%84.8

Momentum

52W High %

90%46.0

RS 6M

-18%25.4

SMA 50/200

1.06x63.5

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

-2%19.6

Q Growth

-8%22.7

FUNDAMENTALS

Market Cap

$2.9B

P/E (Forward)

10.9x

Gross Margin

0.0%

SECTOR PEERS

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

Ticker	Company	Mkt Cap	StockRank	Signal
SPOL.OL	SpareBank 1 Østlandet(you)	$2.9B	40	HOLD
MING.OL	SpareBank 1 SMN	$3.0B	41	HOLD
SBNOR.OL	Sparebanken Norge	$3.6B	56	HOLD
NONG.OL	SpareBank 1 Nord-Norge	$1.6B	50	HOLD
SB1NO.OL	SpareBank 1 Sør-Norge ASA	$7.8B	36	HOLD
MORG.OL	Sparebanken Møre	$605M	41	HOLD
SOAG.OL	SpareBank 1 Østfold Akershus	$597M	39	HOLD
ROGS.OL	Rogaland Sparebank	$372M	39	HOLD
PARB.OL	Pareto Bank ASA	$581M	25	SELL
RING.OL	SpareBank 1 Ringerike Hadeland	$740M	62	HOLD

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

SpareBank 1 Østlandet (SPOL.OL) — Stock Score Summary

SpareBank 1 Østlandet (SPOL.OL) has a MoatMap StockRank of 40/100 based on Quality (47/100), Value (48/100), and Momentum (36/100) factor scores. The current signal is HOLD. SpareBank 1 Østlandet is a solid regional Norwegian bank, but it lacks any structural growth tailwinds or connection to our core global macro themes, offering limited asymmetric upside.

Key Financial Metrics

Price	$20.52
Market Cap	$2.9B
P/E (TTM)	10.67
P/E (Forward)	10.89
Price/Book	1.07
Return on Equity	13.5%
Gross Margin	0.0%
Operating Margin	50.5%
Revenue Growth	-1.4%
Dividend Yield	6.7%

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

Frequently Asked Questions

What is SpareBank 1 Østlandet’s (SPOL.OL) StockRank?: MoatMap’s StockRank for SpareBank 1 Østlandet (SPOL.OL) is 40/100, with a Hold signal. It is a composite of Quality (47), Value (48), and Momentum (36) factor ranks across MoatMap’s 20,000+ stock universe.
Does SpareBank 1 Østlandet have an economic moat?: SpareBank 1 Østlandet (SPOL.OL) has a Quality factor score of 47/100. 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 Østlandet a buy, hold, or sell?: MoatMap’s current signal for SpareBank 1 Østlandet (SPOL.OL) is Hold, based on a StockRank of 40/100. 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 Østlandet in?: SpareBank 1 Østlandet (SPOL.OL) operates in the Financial Services sector, specifically the Banks - Regional industry (Norway).