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Bien Sparebank ASA
OSE:BIEN

Watchlist Manager
Bien Sparebank ASA
OSE:BIEN
Watchlist
Price: 149 NOK -0.67% Market Closed
Market Cap: kr846.3m
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Financials Section:
Income Statement Balance Sheet Cash Flow Statement

Income Statement

Net Interest Income
+
3Y
+54%
5Y
-
10Y
-
Non Interest Income
+
3Y
+25%
5Y
-
10Y
-
Net Income
+
3Y
+69%
5Y
-
10Y
-

Income Statement
Bien Sparebank ASA

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Income Statement
Currency: NOK
Dec-2020 Mar-2021 Jun-2021 Sep-2021 Dec-2021 Mar-2022 Jun-2022 Sep-2022 Dec-2022 Mar-2023 Jun-2023 Sep-2023 Dec-2023 Mar-2024 Jun-2024 Sep-2024 Dec-2024 Mar-2025 Jun-2025 Sep-2025
Revenue
Net Interest Income
71
68
71
75
76
79
81
86
95
100
109
115
118
124
125
127
128
130
131
133
Interest Income
136
123
118
119
119
120
124
134
154
177
205
231
251
272
286
297
305
312
321
329
Interest Expense
65
54
47
44
42
41
43
48
60
78
96
116
133
148
161
170
178
182
190
196
Non Interest Income
32
35
30
31
32
32
35
34
31
32
31
33
32
32
31
31
32
36
41
42
Revenue
103
N/A
103
+1%
101
-2%
106
+4%
108
+2%
111
+3%
116
+5%
120
+3%
125
+4%
132
+5%
140
+6%
148
+6%
150
+1%
156
+4%
156
+0%
158
+1%
160
+1%
165
+3%
172
+4%
175
+2%
Pre-Tax Income
Loan Loss Provision
(4)
1
(1)
(2)
(3)
(3)
(2)
(2)
(3)
(1)
1
2
2
2
1
(0)
0
(2)
(2)
(2)
Non Interest Expense
(67)
(68)
(67)
(71)
(69)
(70)
(76)
(73)
(71)
(75)
(76)
(81)
(81)
(85)
(84)
(82)
(82)
(86)
(91)
(93)
Pre-Tax Income
32
N/A
37
+16%
33
-10%
32
-2%
36
+12%
38
+5%
39
+2%
46
+18%
51
+11%
55
+8%
65
+19%
69
+6%
71
+3%
73
+3%
74
+1%
76
+3%
78
+4%
77
-2%
79
+2%
80
+2%
Net Income
Tax Provision
(5)
(7)
(6)
(6)
(7)
(7)
(7)
(8)
(9)
(10)
(13)
(14)
(15)
(16)
(16)
(17)
(17)
(17)
(17)
(17)
Income from Continuing Operations
26
29
27
26
29
31
32
37
42
45
52
55
56
57
57
59
61
60
62
63
Net Income (Common)
26
N/A
29
+12%
27
-8%
26
-2%
29
+12%
31
+6%
32
+3%
37
+16%
42
+13%
45
+7%
52
+15%
55
+6%
56
+2%
57
+2%
57
+0%
59
+2%
61
+3%
60
-2%
62
+4%
63
+2%
EPS (Diluted)
4.58
N/A
5.15
+12%
4.75
-8%
4.64
-2%
5.19
+12%
5.49
+6%
5.65
+3%
6.57
+16%
7.41
+13%
7.92
+7%
9.13
+15%
9.64
+6%
9.83
+2%
10.07
+2%
10.1
+0%
10.35
+2%
10.7
+3%
10.54
-1%
10.93
+4%
11.13
+2%

See Also

Summary
BIEN intrinsic value, competitors valuation, and company profile.
DCF Valuation
BIEN stock valuation using Discount Cash Flow valuation method.
Relative Valuation
BIEN stock valuation using valuation multiples.
Wall Street Estimates
BIEN price targets and financial estimates made by Wall st analysts.
Profitability Analysis
Detailed analysis of the company's profitability.
Solvency Analysis
Analysis of the financial position and solvency of the company.
Financials
Income Statement, Balance Sheet, Cash Flow Statement.
Discount Rate
BIEN stock discount rate: cost of equity and WACC.
Summary
DCF Valuation
Relative Valuation
Wall Street Estimates
Profitability Analysis
Solvency Analysis
Financials
Discount Rate
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