SpareBank 1 Ringerike Hadeland (RING.OL)
ValueMarkers Composite Index
67% below intrinsic value ($134)
SpareBank 1 Ringerike Hadeland (RING.OL) — VMCI valuation read
Composite valuation read on RING.OL: VMCI 59/100 against a Financial Services sector median of 50. The 9-point above-median print is the headline number for SpareBank 1 Ringerike Hadeland, and at the mid-cap tier it reflects how the five pillars combine into a single decision-grade score.
Trailing 30-day insider activity for RING.OL: nothing material on SEC EDGAR. With the Form 4 channel quiet, the price-vs-DCF gap and the trailing margin trend carry more weight in the active read.
**Investor frame.** Value, quality, risk in three lines on RING.OL: RING.OL trades at 21.0x earnings, 17% above the Financial Services median of 18.0x; ROIC of 13.0% sits 3.0pp above the Financial Services median (10.0%); net debt to EBITDA of 1.2x leaves covenant headroom. EV/EBITDA at 14.0x versus 12.0x for Financial Services closes the value frame.
RING.OL rose 3.6% over the trailing 7 days, with a -10.5% read on a 30-day basis.
SpareBank 1 Ringerike Hadeland provides various banking products and services to private and corporate customers in Norway. The company offers saving, current, deposit, and currency accounts; vehicle, house and travel, and animal insurance products, as well as life, child, disability, critical illness, accident, health, and business and personal insurance products; mobile and online banking services; and debit and credit cards. It also provides mortgages; car, boat, and other vehicles; consumer and other loans; and bank guarantees, corporate and construction loans, liquidity loans with a government guarantee, and operating credit for agriculture, as well as factoring, leasing, and overdraft services. In addition, the company offers services for buying and selling property; accounting services; pension products; and savings and investment products. The company was founded in 1833 and is based in Hønefoss, Norway.
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