Flekkefjord Sparebank (FFSB.OL)
ValueMarkers Composite Index
95% below intrinsic value ($217)
Flekkefjord Sparebank (FFSB.OL) — VMCI valuation read
Flekkefjord Sparebank sits at VMCI 60/100, with the Financial Services sector median at 50. That 10-point spread is the first thing to note on FFSB.OL: it tells the reader the composite is favorable before any single ratio is examined, and the mid-cap tier sets the comparison set.
Form 4 disclosures on FFSB.OL are blank for the trailing 30 days. With the insider channel offline, the EV/EBITDA delta, free-cash-flow trajectory, and the next earnings print do the talking.
**Investor frame.** The Value read on FFSB.OL: FFSB.OL trades at 26.0x earnings, 44% above the Financial Services median of 18.0x, with EV/EBITDA at 13.0x against 12.0x. The Quality read: ROIC of 8.0% trails the Financial Services median (10.0%) by 2.0pp. The Risk read: net debt to EBITDA of -0.7x leaves covenant headroom, anchoring the bear scenario on a measurable balance-sheet metric.
FFSB.OL rose 1.7% over the trailing 7 days, with a +7.8% read on a 30-day basis.
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