SpareBank 1 Østfold Akershus (SOAG.OL)
ValueMarkers Composite Index
70% below intrinsic value ($156)
SpareBank 1 Østfold Akershus (SOAG.OL) — VMCI valuation read
Across 120 indicators, SpareBank 1 Østfold Akershus (SOAG.OL) lands at VMCI 63/100. The broad-market sample median is 50, so the 13-point above-median read is the active comparison. Pillar weighting on the score: Value 35%, Quality 30%, Integrity 15%, Growth 12%, Risk 8%.
No material Form 4 disclosures landed on SOAG.OL in the past 30 days. Quiet insider tape removes one signal source; the active reads stay with the trailing-twelve-month financials and the next 10-Q.
**Investor frame.** On Value, SOAG.OL trades at 15.0x earnings, 17% below the sector median of 18.0x; the EV/EBITDA delta of -2.0x reinforces that single line. On Quality, ROIC of 9.0% trails the sector median (10.0%) by 1.0pp. On Risk, net debt to EBITDA of 1.0x leaves covenant headroom for SOAG.OL on the trailing balance sheet.
SOAG.OL fell 1.7% over the trailing 7 days, with a -6.0% read on a 30-day basis.
SpareBank 1 Østfold Akershus, a savings bank, provides various banking products and services in Østfold and the southern part of Akershus. The company offers savings, operating, tax deduction, deposit, placement, and currency accounts; and savings and investment products. It also provides consumer, construction, repayment, boat, motorcycle, and car loans; operating credit products; bank guarantees; liquidity loans with government guarantees; operating credit for agriculture; mortgage products; leasing and factoring services; and refinancing services. In addition, the company offers various insurance products, such as vehicle, house and travel, personal, animal, liability, work machine, interruption, condominium, cyber, truck, movable property, commercial building, project, transport, crime, bus, group life, health, leisure accident, occupational injury, accident insurance children, and sick pay insurance products; and pension products. Further, it provides credit, municipal payment, and other bank cards; payment terminal, debt collection, and document collection services; bonds, forwards, and currency options; accounting approved, invoice automatic, eGiro/Cremul, KID invoice, and OCR and eGiro payment services; and mobile and online banking services. The company was founded in 1835 and is headquartered in Moss, Norway.
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