DNB Bank

OSL:DNB · NO0010161896

BanksMedium

360

Value64

Profit price76

Cash yield67

Sales & asset price30

Price/Sales26

EV / Gross Profit16

Price/Book49

Quality69

Returns on capital25

Profit margins—

Cash backing46

Cash Conversion16

Accruals31

Owner Earnings Margin91

Growth21

Sales growth16

Profit growth34

Profit Growth90

Long-Term EPS Growth4

Owner Earnings Growth9

Reinvestment94

Price momentum16

Safety84

Debt load10

Debt serviceability36

Liquidity89

Sentiment22

Analyst ratings15

Expectations trend46

Opinion Changes50

Price Target Upside41

Market mood46

Value Creation10/20creating some value

Creates more value than its capital costs
Owner earnings growing
Owner earnings per share growing
Reinvests at strong returns
Solid earnings base

What this means

DNB Bank clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryNorway

IndustryBanks

SizeMedium

TypePublic Company

ExchangeOB

Founded2002

Employees7,653

Websitednb.no

ISINNO0010161896

Last UpdateApr 2, 2026

Indices

OBX Index (Norway)

Themes

Consumer LendingOnline PaymentsInsurtechDigital BrokerageBankingFinancial ServicesInsurancePersonal FinanceRetail

Description

DNB Bank ASA operates as a financial services group, offering a wide range of banking, savings, investment, and insurance products to customers both domestically and internationally. Business Segments The company operates through Corporate Banking,…

Analysis

Quality compounder

DNB Bank ASA is a quality compounder: a well-run business trading at a price that reflects what it is worth.

The price is attractive. You pay 10.0× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone. At today's price, the market is assuming roughly -3% yearly growth; analysts expect -1%. The price, in other words, assumes less than the experts do.

The trajectory is tepid and the balance sheet is sturdy. The company scores 10/20 on our value-creation score: creating some value. Analyst sentiment is cautious.

What to watch: Some accounting patterns deserve a closer look. Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250

2026

All-time high

Jun 2026

All-time low

Feb 2026

Average rank

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023

Price/Sales

—

Price/Earnings

—

Price/Book

—

Dividend Yield

—

Value (overall)

—

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View

1 · Watch OutGood· 100

Value

1 · ExpensiveGood Value· 100

Quality

1 · Weak FundamentalsHigh Quality· 100

Growth

1 · Tough TimesHigh Growth· 100

Safety

1 · High LeverageWell-Financed· 100

Sentiment

1 · SkepticismPositive· 100

Learn More →