Sogn Sparebank (SOGN.OL)
ValueMarkers Composite Index
64% below intrinsic value ($96)
Sogn Sparebank (SOGN.OL) — VMCI valuation read
Sogn Sparebank (SOGN.OL) carries a VMCI composite of 64/100, 14 points above the Financial Services sector median of 50. Among mid-cap names, that gap places SOGN.OL in the top third on the five-pillar weighting (Value 35%, Quality 30%, Integrity 15%, Growth 12%, Risk 8%).
The SOGN.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 SOGN.OL trades at 24.0x earnings, 33% above the Financial Services median of 18.0x, which compresses or extends through the 11.0x EV/EBITDA versus a Financial Services 12.0x. Quality: ROIC of 10.0% sits 0.0pp above the Financial Services median (10.0%). Risk: net debt to EBITDA of 1.6x is the rate-sensitivity line to watch, the line to track on Sogn Sparebank's next 10-Q.
SOGN.OL rose 2.0% over the trailing 7 days, with a +4.0% read on a 30-day basis.
Sogn Sparebank provides various banking products and services in Norway. The company offers savings products; home loans and small loans, as well as loans for cars and other vehicles; credit and other cards; and mobile and online banking services. It also provides bank guarantees, construction loans, overdraft, and business loans, as well as leasing and securities trading services. In addition, the company offers home and leisure, animals, damage, car, liability, work machine, data attack, farm building, operating equipment and crop, property damage, health, homeowners, agriculture, craftsman, commercial vehicle, business, and personnel insurance products. Sogn Sparebank was founded in 1846 and is based in Årdalstangen, Norway.
Related Stocks in Financial Services
Top peers ranked by VM Score. Compare valuation, quality, and risk metrics across the sector.