Aasen Sparebank (AASB.OL)
ValueMarkers Composite Index
89% below intrinsic value ($119)
Aasen Sparebank (AASB.OL) — VMCI valuation read
Aasen Sparebank (AASB.OL) carries a VMCI composite of 62/100, 12 points above the broad-market sample median of 50. Among mid-cap names, that gap places AASB.OL in the top third on the five-pillar weighting (Value 35%, Quality 30%, Integrity 15%, Growth 12%, Risk 8%).
The AASB.OL insider tape has been silent for the past 30 days on Form 4. Where executives neither buy nor sell, the bull and bear cases lean harder on filings cadence and the next earnings line.
**Investor frame.** Value reads AASB.OL trades at 16.0x earnings, 11% below the sector median of 18.0x, which compresses or extends through the 11.0x EV/EBITDA versus a sector 12.0x. Quality: ROIC of 18.0% sits 8.0pp above the sector median (10.0%). Risk: net debt to EBITDA of -1.3x leaves covenant headroom, the line to track on Aasen Sparebank's next 10-Q.
AASB.OL fell 1.6% over the trailing 7 days, with a +6.0% read on a 30-day basis.
Aasen Sparebank provides various banking products and services in Norway. The company accepts various deposits and accounts, as well as bank cards; and offers payment, payment terminals, billing, credit, overdraft, leasing, bank guarantee, pension, and online and mobile banking services. It also provides construction, business, car, mortgage, and small loans, as well as loans for other vehicles; and small loans refinancing services. In addition, the company offers employee and business liability, health, personal, occupational injury, travel, collective accident, store, data attack, property damage, office, homeowners, craftsman, and business insurance products; and farmer's accident, farm building agriculture, farmer's car, poultry, horse, pet, home agriculture, operating equipment and crops, and agricultural machinery insurance products, as well as insurance for goods during transport, ATV, work machines, taxis, commercial vehicles, and trailers. Aasen Sparebank was founded in 1862 and is based in Åsen, Norway.
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