Bien Sparebank ASA
Research Bien Sparebank ASA (BIEN) on Bullrun: valuation model: 8.0% overvalued, market cap NOK 823.63M, P/E 14.3, dividend yield 4.0%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerBIEN
- ExchangeOL
- CountryNorway
- SectorFinancial Services
- IndustryBanks - Regional
- CurrencyNOK
- Valuation signal8.0% overvalued
- Market capNOK 823.63M
- P/E14.3
- Dividend yield4.0%
- Financial periodQ2 2026
- RevenueNOK 44.72M
- Net incomeNOK 19.99M
Valuation Snapshot
Bullrun's latest valuation model marks Bien Sparebank ASA as 8.0% overvalued; latest market cap is NOK 823.63M; P/E is 14.3; dividend yield is 4.0%.
Peer valuation comparison
Latest P/E is 14.25x versus a Financial Services sector median of 13.84x (3.0% above).
Latest dividend yield is 3.96% versus a Financial Services sector median of 3.86% (2.7% above).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | NOK 170.61M | NOK 65.19M | n/a | n/a | n/a | NOK 73.55M | NOK 1.40B | NOK 770.79M |
| FY2024 | NOK 154.90M | NOK 60.78M | n/a | n/a | n/a | NOK 69.37M | NOK 1.11B | NOK 716.69M |
| FY2023 | NOK 145.62M | NOK 55.85M | n/a | n/a | n/a | NOK 68.21M | n/a | n/a |
| FY2022 | NOK 115.54M | NOK 42.09M | n/a | n/a | n/a | NOK 66.75M | n/a | n/a |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-24 | NOK 823.63M | 14.3 | 4.0% | 5.73 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 5.73 NOK, yield 4.0%.
About Bien Sparebank ASA
Bien Sparebank ASA operates as a savings bank that provides a range of banking and financial products and services to individuals and business customers in Norway and internationally. It operates through Retail Market and Corporate Market segments. The company offers banking services, such as bank cards, abroad payment, credit cards, account services, mobile banking and online banking services, and mobile payment solution; insurance products, including car, child, household items, house, travel, and dog insurance;
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Frequently asked questions
Is Bien Sparebank ASA overvalued or undervalued?
Bullrun's valuation model currently marks Bien Sparebank ASA as 8.0% overvalued.
What is Bien Sparebank ASA's market cap?
Bien Sparebank ASA's market capitalization is NOK 823.63M.
What is Bien Sparebank ASA's P/E ratio?
Bien Sparebank ASA's price-to-earnings (P/E) ratio is 14.3.
Does Bien Sparebank ASA pay a dividend?
Bien Sparebank ASA has a dividend yield of 4.0%.
What does Bien Sparebank ASA do?
Bien Sparebank ASA operates as a savings bank that provides a range of banking and financial products and services to individuals and business customers in Norway and internationally. It operates through Retail Market and Corporate Market segments.