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Flekkefjord Sparebank (FFSB) investor relations material
Flekkefjord Sparebank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary6 Nov, 2025
Executive summary
Net profit after tax for Q3 2025 was NOK 33.1 million, with year-to-date profit at NOK 93.8 million, reflecting strong growth in both lending and deposits year-over-year.
Return on equity (ROE) for the quarter was 9.1%, and 8.9% year-to-date, supported by increased net interest income and other income streams.
Forretningskapital (business capital) reached NOK 17.5 billion at the end of Q3 2025.
Financial highlights
Consolidated income for Q3 2025 was NOK 85.1 million, up from NOK 76.4 million in Q3 2024.
Net interest income for the first nine months was NOK 177.4 million (2.00% of average assets), up from NOK 168.8 million (2.22%) year-over-year.
Net commission income rose to NOK 32.2 million from NOK 24.1 million, mainly from payment services, insurance, and Verd Boligkreditt.
Income from dividends and net financials increased by NOK 1.7 million, with NOK 2.0 million from the consolidated subsidiary.
Credit losses for the first nine months were NOK 9.9 million, up from NOK 8.3 million year-over-year.
Outlook and guidance
The global and Norwegian economies remain resilient, but growth is expected to slow, with continued inflationary pressures and geopolitical risks.
Norwegian growth outlook for 2025 has improved, especially in retail and oil/gas sectors.
Net interest margins are under pressure due to increased competition and previous rate cuts; focus will be on volume growth and increasing non-interest income.
The bank aims to further reduce its cost/income ratio and leverage freed-up capital for profitable growth and continued strong dividend policy.
Released capital supports an aggressive dividend policy (50-80%).
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Next Flekkefjord Sparebank earnings date
Q4 202511 Feb, 2026
Next Flekkefjord Sparebank earnings date
Q4 202511 Feb, 2026
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Frequently asked questions
Flekkefjord Sparebank is a savings bank that provides a range of financial services to individuals, businesses, and organizations. The bank's offerings include deposit accounts, personal and business loans, mortgages, payment services, and insurance products. It operates primarily in the Rogaland and Agder regions of Norway, serving local communities through branch offices and digital banking platforms. Flekkefjord Sparebank emphasizes regional customer relationships and supports local development initiatives. The company is headquartered in Flekkefjord, Norway, and its shares are listed on the Euronext Growth Oslo.
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