SpareBank 1 SMN (LTS:0IVM) Net Loan: kr185,619 Mil (As of Jun. 2026)

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LTS:0IVM SpareBank 1 SMN LTS:0IVM
65 GF Score
Price kr203.43
GF Value kr179.43
Valuation Modestly Overvalued
! 7 Warning Signs
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What is SpareBank 1 SMN Net Loan?

SpareBank 1 SMN LTS:0IVM -0.05% 65 Net Loan is kr185,619 Mil as of Jun. 2026. GuruFocus rates LTS:0IVM with a GF Score™ of 65/100 and a GF Value™ of kr179.43 (Modestly Overvalued). The stock has 7 warning signs investors should review.

SpareBank 1 SMN's quarterly net loan increased from Dec. 2025 (kr181,102 Mil) to Mar. 2026 (kr182,513 Mil) and increased from Mar. 2026 (kr182,513 Mil) to Jun. 2026 (kr185,619 Mil).

SpareBank 1 SMN's annual net loan increased from Dec. 2023 (kr173,912 Mil) to Dec. 2024 (kr182,513 Mil) but then declined from Dec. 2024 (kr182,513 Mil) to Dec. 2025 (kr185,619 Mil).

SpareBank 1 SMN Net Loan Historical Data

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The historical data trend for SpareBank 1 SMN's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

SpareBank 1 SMN Net Loan Chart

SpareBank 1 SMN Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 147,204.00 159,484.00 173,912.00 184,183.00 181,102.00

SpareBank 1 SMN Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 182,138.00 184,339.00 181,102.00 182,513.00 185,619.00
LTS:0IVM
65GF Score
SpareBank 1 SMN LTS:0IVM
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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SpareBank 1 SMN Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of kr185,619 Mil mean?
SpareBank 1 SMN (LTS:0IVM) has a Net Loan of kr185,619 Mil as of Jun. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on SpareBank 1 SMN and its competitors.
Is SpareBank 1 SMN's Net Loan too high?
SpareBank 1 SMN's current Net Loan is kr185,619 Mil. Overall, SpareBank 1 SMN has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SpareBank 1 SMN's Net Loan compare to competitors?
SpareBank 1 SMN's Net Loan of kr185,619 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on SpareBank 1 SMN and its competitors. SpareBank 1 SMN's current Net Loan is kr185,619 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SpareBank 1 SMN stock overvalued right now?
Based on GuruFocus' analysis, SpareBank 1 SMN (LTS:0IVM) is currently considered Modestly Overvalued. The stock's GF Value™ is kr179.43, compared to a current price of kr203.43 — trading 13.4% above its estimated fair value. The current Net Loan is kr185,619 Mil. SpareBank 1 SMN's overall GF Score™ is 65/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For SpareBank 1 SMN (LTS:0IVM), the current Net Loan is kr185,619 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is SpareBank 1 SMN (LTS:0IVM) Overvalued in 2026?

Based on GuruFocus' analysis, SpareBank 1 SMN stock appears to be overvalued. The current stock price of kr203.43 is trading 13.4% above its estimated GF Value™ of kr179.43. GuruFocus considers SpareBank 1 SMN to be Modestly Overvalued.

Key valuation signals for LTS:0IVM:

  • Net Loan: kr185,619 Mil
  • GF Value™: kr179.43 vs. price of kr203.43 (13.4% above fair value)
  • GF Score™: 65/100 with 7 warning signs

No single metric tells the full story. See the LTS:0IVM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

SpareBank 1 SMN Business Description

Address Sondre gate 4, Trondheim, NOR, 7011
SpareBank 1 SMN is a regional bank offering retail and corporate banking services and principally operating in Norway. The bank is among the owners of the SpareBank 1 Alliance. The services and products of the bank serves real estate, construction, sea farming, agriculture, fisheries, shipbuilding, offshore, and retail industries as well as the public and energy sectors. The bank's income is split nearly evenly between net interest income and net fees and commission income. The company has Retail Banking and Corporate Banking as its reportable segment.
65GF Score

Get the complete analysis for LTS:0IVM

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

kr203.43
Price
kr179.43
GF Value