SpareBank 1 Sor Norge ASA (STU:B4M1) Net Loan: €38,796 Mil (As of Jun. 2026)

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STU:B4M1 SpareBank 1 Sor Norge ASA STU:B4M1
70 GF Score
Price €21.10
GF Value €14.81
Valuation Significantly Overvalued
! 9 Warning Signs
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What is SpareBank 1 Sor Norge ASA Net Loan?

SpareBank 1 Sor Norge ASA STU:B4M1 -0.95% 70 Net Loan is €38,796 Mil as of Jun. 2026. GuruFocus rates STU:B4M1 with a GF Score™ of 70/100 and a GF Value™ of €14.81 (Significantly Overvalued). The stock has 9 warning signs investors should review.

SpareBank 1 Sor Norge ASA's quarterly net loan increased from Dec. 2025 (€34,123 Mil) to Mar. 2026 (€36,448 Mil) and increased from Mar. 2026 (€36,448 Mil) to Jun. 2026 (€38,796 Mil).

SpareBank 1 Sor Norge ASA's annual net loan increased from Dec. 2023 (€24,628 Mil) to Dec. 2024 (€36,448 Mil) and increased from Dec. 2024 (€36,448 Mil) to Dec. 2025 (€38,796 Mil).

SpareBank 1 Sor Norge ASA Net Loan Historical Data

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The historical data trend for SpareBank 1 Sor Norge ASA'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 Sor Norge ASA Net Loan Chart

SpareBank 1 Sor Norge ASA 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 23,328.68 25,035.57 24,628.35 32,892.21 34,123.24

SpareBank 1 Sor Norge ASA 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 34,722.34 34,399.86 34,123.24 36,448.18 38,796.40
STU:B4M1
70GF Score
SpareBank 1 Sor Norge ASA STU:B4M1
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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SpareBank 1 Sor Norge ASA 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 €38,796 Mil mean?
SpareBank 1 Sor Norge ASA (STU:B4M1) has a Net Loan of €38,796 Mil as of Jun. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on SpareBank 1 Sor Norge ASA and its competitors.
Is SpareBank 1 Sor Norge ASA's Net Loan too high?
SpareBank 1 Sor Norge ASA's current Net Loan is €38,796 Mil. Overall, SpareBank 1 Sor Norge ASA has a GF Score™ of 70/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SpareBank 1 Sor Norge ASA's Net Loan compare to competitors?
SpareBank 1 Sor Norge ASA's Net Loan of €38,796 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 Sor Norge ASA and its competitors. SpareBank 1 Sor Norge ASA's current Net Loan is €38,796 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 Sor Norge ASA stock overvalued right now?
Based on GuruFocus' analysis, SpareBank 1 Sor Norge ASA (STU:B4M1) is currently considered Significantly Overvalued. The stock's GF Value™ is €14.81, compared to a current price of €21.10 — trading 42.5% above its estimated fair value. The current Net Loan is €38,796 Mil. SpareBank 1 Sor Norge ASA's overall GF Score™ is 70/100 with 9 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 Sor Norge ASA (STU:B4M1), the current Net Loan is €38,796 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 Sor Norge ASA (STU:B4M1) Overvalued in 2026?

Based on GuruFocus' analysis, SpareBank 1 Sor Norge ASA stock appears to be overvalued. The current stock price of €21.10 is trading 42.5% above its estimated GF Value™ of €14.81. GuruFocus considers SpareBank 1 Sor Norge ASA to be Significantly Overvalued.

Key valuation signals for STU:B4M1:

  • Net Loan: €38,796 Mil
  • GF Value™: €14.81 vs. price of €21.10 (42.5% above fair value)
  • GF Score™: 70/100 with 9 warning signs

No single metric tells the full story. See the STU:B4M1 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

SpareBank 1 Sor Norge ASA Business Description

Address Christen Tranes Gate 35, Stavanger, NOR, 4007
SpareBank 1 Sor Norge ASA is a Norwegian regional savings bank serving retail and corporate customers, primarily in southern and eastern Norway. Its retail market segment offers mortgages, deposits, consumer loans, credit cards, insurance, savings and investment products, and digital banking services through the SpareBank 1 alliance. The corporate segment serves small and medium-sized enterprises, agriculture, and public sector clients with financing, leasing, payment services, and advisory solutions. The bank also provides estate agency and accounting services through subsidiaries. Revenue is generated mainly from net interest income on loans and deposits, supplemented by commission and fee income from insurance, fund management, and real estate brokerage. As part of the SpareBank 1 alliance, it cooperates with other Norwegian savings banks on product development, branding, and shared technology platforms while remaining an independent, listed institution.
70GF Score

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

€21.10
Price
€14.81
GF Value