HAUGESUND SPAREBANK
Basert på årsregnskap for 2025 (regnskapsperiode til 2025-12-31). An estimated value range derived deterministically from public financial figures — not investment advice or a market price.
What drives the value
Publisert verdiestimat er en robust, bransjejustert syntese av 5 verdsettelsesmetoder. Midtestimatet vekter substansmetoder (bokført egenkapital, P/B) mot inntjenings- og markedsmetoder (avkastningsverdi, meravkastning, EPV, P/E, EV-multipler, DCF) etter næring; lav og høy speiler spredningen mellom metodene (20.–80-persentil). EBIT normalisert over 1 år / 16 % avkastningskrav. Bransjerelativ verdi vises som uavhengig kontroll og inngår ikke i syntesen.
Risikojustert intervall (Altman Z''-sone «Gråsone»): NOK 1.3bn – NOK 2.7bn. Svakere finansiell helse gir bredere intervall.
Run the numbers yourself
What-if · not a published estimateAdjust the assumptions and see how the value changes. The starting point is the published figures above.
All valuation methods
Each method is shown with its value, formula and inputs. The methods anchoring the published range are highlighted.
Syntetisert verdiestimat
Substansverdi (bokført egenkapital)
Avkastningsverdi (kapitalisert inntjening)
Meravkastningsverdi
Inntjeningsevneverdi (EPV)
P/E (resultatmultippel)
P/B (bokverdimultippel)
EV/EBIT
EV/Sales (omsetningsmultippel)
Bransjerelativ verdi
Financial health and industry context
Altman Z''-score: 2.18 Gråsone
Z'' is a distance-to-distress score for financial risk, calculated from working capital, retained earnings, operating profit and solidity. Above 2.6 counts as solid, 1.1–2.6 as a grey zone, below 1.1 as weak. The score affects the width of the value range, not the mid estimate itself.
Group value NAV – look-through
NAV adds only the excess of each holding over its book value, to avoid double counting within a group.
Holdings estimated value
Anslått verdi av hver eierpost = eierandel × midtestimat. Konsernstrukturer kan gi dobbelttelling; se konsernverdi (NAV) over.
How to read the estimate
This is an estimated value range based on public financial figures — not investment advice, a credit assessment or a market price. Every figure is derived deterministically from filed annual accounts; the live calculator can show “what-if” numbers that are not published estimates.
Companies in bankruptcy, liquidation or compulsory dissolution get a status note instead of a value. Outdated accounts are flagged before the value.
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