Dashboard Tools Market News Investing Ideas Pricing
Search 100,000+ stocks...
Sign Up
Log in
Voss Veksel og Landmandsbank ASA banner
V

Voss Veksel og Landmandsbank ASA
OSE:VVL

Watchlist Manager
Voss Veksel og Landmandsbank ASA
OSE:VVL
Watchlist
Price: 428 NOK -0.47% Market Closed
Market Cap: kr950.2m
Write Note Create Alert Ask AI
Financials Section:
Income Statement Balance Sheet Cash Flow Statement

Income Statement

Net Interest Income
+
3Y
+26%
5Y
+51%
10Y
+97%
Non Interest Income
+
3Y
+154%
5Y
+264%
10Y
+1 366%
Net Income
+
3Y
+62%
5Y
+153%
10Y
+401%

Income Statement
Voss Veksel og Landmandsbank ASA

Rotate your device to view
Income Statement
Currency: NOK
Dec-2002 Mar-2003 Jun-2003 Sep-2003 Dec-2003 Mar-2004 Jun-2004 Sep-2004 Dec-2004 Mar-2005 Jun-2005 Sep-2005 Dec-2005 Mar-2006 Jun-2006 Sep-2006 Dec-2006 Mar-2007 Jun-2007 Sep-2007 Dec-2007 Mar-2008 Jun-2008 Sep-2008 Dec-2008 Mar-2009 Jun-2009 Sep-2009 Dec-2009 Mar-2010 Jun-2010 Sep-2010 Dec-2010 Mar-2011 Jun-2011 Sep-2011 Dec-2011 Mar-2012 Jun-2012 Sep-2012 Dec-2012 Mar-2013 Jun-2013 Sep-2013 Dec-2013 Mar-2014 Jun-2014 Sep-2014 Dec-2014 Mar-2015 Jun-2015 Sep-2015 Dec-2015 Mar-2016 Jun-2016 Sep-2016 Dec-2016 Mar-2017 Jun-2017 Sep-2017 Dec-2017 Mar-2018 Jun-2018 Sep-2018 Dec-2018 Mar-2019 Jun-2019 Sep-2019 Dec-2019 Mar-2020 Jun-2020 Sep-2020 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 Dec-2025
Revenue
Net Interest Income
39
39
41
41
41
42
42
43
44
45
46
47
48
48
49
50
51
53
54
56
58
60
60
59
58
58
57
58
59
61
61
58
57
54
57
62
64
65
67
68
70
71
71
73
74
77
79
79
75
72
69
69
70
71
73
74
75
77
78
81
83
86
86
87
88
88
89
92
96
101
97
96
92
88
91
91
92
95
99
104
109
115
121
128
133
136
138
137
139
139
139
139
138
Interest Income
99
100
100
95
84
75
66
62
62
62
63
64
66
69
72
77
82
88
97
108
122
135
145
157
167
164
154
137
119
114
113
115
117
118
122
128
133
138
142
144
147
147
147
149
151
154
158
158
156
152
144
136
129
122
118
115
114
116
120
123
127
131
132
135
140
144
151
161
171
181
177
166
151
134
128
126
127
131
139
152
175
202
232
267
295
529
547
555
348
349
352
355
354
Interest Expense
60
61
60
54
43
33
24
19
18
17
17
17
19
20
23
26
30
36
43
52
63
75
85
98
109
106
96
79
60
53
52
56
60
63
65
67
69
72
75
76
77
76
76
77
77
78
79
80
81
80
75
67
59
51
45
42
40
39
41
43
44
45
46
49
51
57
62
68
75
80
80
70
60
46
38
35
35
36
40
48
65
87
111
139
162
182
198
207
210
211
213
216
217
Non Interest Income
2
2
3
6
6
7
7
8
11
11
13
13
11
13
11
10
12
10
12
10
7
6
4
4
2
2
5
12
17
20
18
15
16
14
14
8
6
10
9
13
9
4
5
7
7
9
17
18
21
19
8
4
4
5
12
15
17
14
14
3
4
3
3
17
18
21
19
18
18
17
17
17
17
20
22
21
20
15
17
16
25
31
34
43
46
50
54
58
56
58
63
61
63
Revenue
41
N/A
41
0%
44
+7%
47
+6%
47
+0%
49
+4%
50
+1%
51
+3%
55
+7%
57
+3%
59
+4%
60
+3%
59
-2%
61
+4%
60
-3%
60
+1%
64
+6%
63
-1%
66
+5%
66
0%
66
-1%
66
0%
65
-1%
63
-2%
60
-5%
60
+1%
63
+4%
69
+11%
76
+10%
82
+7%
79
-4%
73
-7%
73
0%
69
-6%
71
+3%
70
-2%
70
+1%
76
+8%
76
+0%
81
+6%
80
-2%
75
-6%
76
+1%
80
+5%
81
+2%
86
+6%
96
+12%
97
+1%
97
0%
90
-7%
77
-15%
73
-5%
74
+2%
77
+3%
85
+12%
88
+3%
92
+4%
91
-1%
92
+1%
84
-9%
87
+3%
89
+2%
90
+1%
103
+15%
106
+3%
108
+2%
109
+1%
110
+1%
114
+3%
118
+3%
115
-3%
113
-1%
109
-4%
108
-1%
113
+4%
112
0%
112
0%
110
-1%
115
+5%
120
+4%
134
+12%
146
+9%
155
+6%
171
+10%
179
+5%
186
+4%
192
+4%
195
+2%
195
0%
197
+1%
202
+3%
200
-1%
201
+0%
Pre-Tax Income
Loan Loss Provision
(1)
(1)
(2)
(2)
(3)
(3)
(3)
(4)
(4)
(3)
(3)
(2)
(2)
(2)
(2)
(3)
(2)
(2)
(2)
(2)
(2)
(3)
(2)
(2)
(2)
(2)
(3)
(3)
(4)
(5)
(6)
(5)
(6)
(6)
(5)
(4)
(3)
(3)
(2)
(4)
(3)
(3)
(4)
(3)
(3)
(3)
(5)
(5)
(5)
(4)
(1)
(1)
(0)
(0)
(1)
(2)
(3)
(3)
(3)
(1)
0
1
1
2
(1)
(1)
(2)
(2)
(3)
(9)
(7)
(9)
(8)
(2)
(3)
(2)
(0)
(1)
(0)
(1)
(2)
(2)
(2)
(4)
(4)
(3)
(3)
(0)
(2)
(2)
0
(1)
(1)
Non Interest Expense
(25)
(26)
(27)
(29)
(29)
(29)
(29)
(29)
(31)
(32)
(32)
(33)
(32)
(32)
(33)
(33)
(34)
(34)
(34)
(34)
(34)
(35)
(34)
(34)
(37)
(39)
(40)
(42)
(42)
(43)
(39)
(39)
(38)
(37)
(41)
(42)
(43)
(44)
(45)
(46)
(49)
(49)
(50)
(50)
(48)
(48)
(47)
(46)
(48)
(48)
(49)
(51)
(51)
(51)
(50)
(50)
(53)
(51)
(55)
(56)
(58)
(56)
(56)
(54)
(53)
(53)
(50)
(50)
(51)
(52)
(53)
(53)
(58)
(58)
(58)
(60)
(54)
(55)
(56)
(56)
(62)
(65)
(71)
(77)
(73)
(73)
(71)
(70)
(75)
(78)
(81)
(85)
(84)
Pre-Tax Income
15
N/A
14
-8%
15
+10%
16
+7%
16
-2%
17
+9%
17
-1%
18
+6%
21
+14%
21
+4%
24
+10%
25
+7%
25
-1%
27
+8%
25
-9%
24
-2%
28
+14%
27
-2%
30
+11%
30
0%
29
-3%
28
-2%
29
+1%
27
-7%
21
-23%
19
-7%
20
+3%
25
+24%
31
+24%
34
+11%
34
-1%
29
-14%
29
+0%
27
-8%
24
-8%
24
-3%
25
+5%
29
+16%
29
-2%
31
+8%
28
-10%
23
-19%
23
+2%
27
+17%
30
+12%
35
+16%
44
+26%
46
+4%
44
-4%
39
-13%
27
-31%
21
-20%
23
+10%
25
+8%
35
+39%
37
+5%
36
-1%
37
+2%
35
-5%
27
-23%
29
+9%
33
+14%
35
+4%
50
+45%
52
+4%
55
+5%
57
+4%
58
+2%
61
+4%
57
-6%
54
-6%
52
-4%
43
-17%
48
+12%
51
+6%
50
-2%
58
+16%
55
-5%
59
+8%
63
+6%
71
+12%
78
+11%
82
+5%
90
+10%
101
+12%
110
+9%
118
+7%
125
+6%
118
-6%
117
-1%
121
+3%
114
-5%
116
+1%
Net Income
Tax Provision
(4)
(4)
(4)
(4)
(4)
(5)
(4)
(5)
(4)
(4)
(5)
(5)
(6)
(6)
(6)
(6)
(5)
(5)
(6)
(6)
(8)
(8)
(9)
(8)
(7)
(6)
(6)
(6)
(7)
(7)
(8)
(7)
(8)
(8)
(7)
(9)
(8)
(7)
(8)
(7)
(7)
(7)
(7)
(7)
(7)
(9)
(9)
(10)
(11)
(9)
(7)
(6)
(7)
(7)
(9)
(9)
(8)
(8)
(8)
(8)
(9)
(10)
(11)
(11)
(13)
(13)
(14)
(15)
(14)
(13)
(12)
(11)
(10)
(11)
(12)
(12)
(13)
(12)
(13)
(14)
(16)
(18)
(19)
(22)
(23)
(26)
(28)
(30)
(27)
(27)
(28)
(26)
(27)
Income from Continuing Operations
11
10
11
12
12
13
13
13
16
17
19
20
19
21
19
18
22
22
24
24
21
20
20
19
14
13
14
19
23
27
25
22
21
19
18
15
17
22
21
24
21
16
16
19
23
27
35
36
34
30
19
15
17
18
26
28
29
29
27
19
20
23
24
39
40
42
43
43
47
44
41
41
33
37
40
38
45
42
46
49
54
60
63
68
78
84
89
95
91
90
93
88
89
Income to Minority Interest
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
(0)
(0)
(0)
(0)
(0)
(0)
(0)
(0)
(1)
(1)
(1)
(1)
Net Income (Common)
11
N/A
10
-8%
11
+9%
12
+6%
12
-2%
13
+8%
13
+1%
13
+6%
16
+22%
17
+5%
19
+8%
20
+9%
19
-6%
21
+9%
19
-10%
18
-3%
22
+22%
22
-3%
24
+13%
24
-2%
21
-11%
20
-4%
20
-1%
19
-8%
14
-25%
13
-7%
14
+9%
19
+33%
23
+25%
27
+14%
25
-4%
22
-15%
21
-2%
19
-10%
18
-7%
15
-14%
17
+14%
22
+25%
21
-3%
24
+14%
21
-13%
16
-25%
16
+3%
19
+20%
23
+17%
27
+16%
35
+32%
36
+2%
34
-6%
30
-13%
19
-35%
15
-20%
17
+8%
18
+8%
26
+44%
28
+8%
29
+2%
29
+3%
27
-7%
19
-32%
20
+10%
23
+13%
24
+5%
39
+61%
40
+2%
42
+5%
43
+4%
43
0%
47
+8%
44
-6%
41
-6%
41
-2%
33
-18%
37
+11%
40
+7%
38
-3%
43
+12%
41
-5%
45
+9%
47
+7%
52
+10%
56
+8%
58
+3%
63
+8%
73
+16%
80
+10%
85
+6%
90
+7%
86
-5%
85
-1%
88
+4%
83
-6%
84
+2%
EPS (Diluted)
5.84
N/A
5.36
-8%
5.84
+9%
6.21
+6%
6.09
-2%
6.61
+9%
6.68
+1%
7.05
+6%
8.65
+23%
9.09
+5%
9.84
+8%
10.72
+9%
10.1
-6%
11.05
+9%
9.94
-10%
9.65
-3%
11.78
+22%
11.37
-3%
12.84
+13%
12.64
-2%
11.25
-11%
10.76
-4%
10.63
-1%
9.8
-8%
7.3
-26%
6.8
-7%
7.41
+9%
9.86
+33%
12.31
+25%
13.98
+14%
13.4
-4%
11.43
-15%
11.15
-2%
10.07
-10%
9.36
-7%
8.03
-14%
9.15
+14%
11.44
+25%
11.07
-3%
12.63
+14%
10.99
-13%
8.26
-25%
8.52
+3%
10.26
+20%
12.02
+17%
13.98
+16%
18.52
+32%
18.9
+2%
17.86
-6%
15.61
-13%
10.21
-35%
8.15
-20%
8.83
+8%
9.53
+8%
13.75
+44%
14.81
+8%
15.06
+2%
15.49
+3%
21.78
+41%
9.72
-55%
10.69
+10%
12.03
+13%
12.68
+5%
20.53
+62%
20.84
+2%
21.94
+5%
22.85
+4%
22.79
0%
23.4
+3%
19.85
-15%
18.66
-6%
18.29
-2%
15.13
-17%
16.67
+10%
17.83
+7%
17.21
-3%
19.53
+13%
18.42
-6%
20.05
+9%
21.83
+9%
23.6
+8%
25.59
+8%
26.36
+3%
28.38
+8%
33.04
+16%
36.23
+10%
38.43
+6%
40.99
+7%
38.91
-5%
38.47
-1%
39.86
+4%
37.63
-6%
38.2
+2%

See Also

Summary
VVL intrinsic value, competitors valuation, and company profile.
DCF Valuation
VVL stock valuation using Discount Cash Flow valuation method.
Relative Valuation
VVL stock valuation using valuation multiples.
Wall Street Estimates
VVL 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
VVL stock discount rate: cost of equity and WACC.
Summary
DCF Valuation
Relative Valuation
Wall Street Estimates
Profitability Analysis
Solvency Analysis
Financials
Discount Rate
Discover More
ALPHA SPREAD
Follow us
Join more than 326,800+ value investors using Alpha Spread
Create Free Account
or see our plans & pricing

Company

About Us Careers Pricing Affiliate Program Terms of Service Privacy Policy

Help

What is Intrinsic Value? Help Center Contact Us

Tools

Stock Screener Intrinsic Value Calculator DCF Value Calculator Discount Rate Calculator

Stocks

Most Undervalued Stocks Wide Economic Moat Stocks High Profitability Stocks High Solvency Stocks Most Popular Stocks

© 2026 Alpha Spread Limited. All Rights Reserved.

www.alphaspread.com is not operated by a broker, a dealer, or a registered investment adviser. Under no circumstances does any information posted on www.alphaspread.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute, investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. In no event shall Alpha Spread Limited be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on www.alphaspread.com, or relating to the use of, or inability to use, www.alphaspread.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance.

AI Assistant
Get AI-powered insights for any company or topic.
Open AI Assistant
Other Tools
Stock Screener
Discover stocks
Stock Comparison
Smarter decisions through side-by-side analysis
Intrinsic Value Calculator
Discover the true worth of your stocks
DCF Value Calculator
Harness the power of DCF

Intrinsic Value is all-important and is the only logical way to evaluate the relative attractiveness of investments and businesses.

Warren Buffett