SpareBank 1 Helgeland (HGDPF) Stock Analysis
Educational signal · not a buy or sell recommendation · How to read this
DELISTED
What happened to SpareBank 1 Helgeland (HGDPF) stock?
SpareBank 1 Helgeland (HGDPF) no longer trades on public markets. The figures below are historical and are not a current quote.
P/E 11.31 means the share price is 11.31 times one year of earnings per share; the S&P 500 usually sits near 20-25. Beta 0.52: the stock has moved about 48% less than the S&P 500.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated Mar 18, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
SpareBank 1 Helgeland (HGDPF). SpareBank 1 Helgeland is a Norwegian regional bank providing financial services to retail, corporate, and institutional clients. Sector: Financial services.
Last analyzed: Mar 18, 2026HGDPF: 1/2 scored disciplines lean bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
SpareBank 1 Helgeland (HGDPF) Financial Services Profile
SpareBank 1 Helgeland is a Norwegian regional bank providing financial products and services to retail, corporate, and municipal clients, focusing on savings, investments, and insurance. Operating primarily in the Helgeland region, the bank distinguishes itself through its local presence and commitment to regional economic development, reflected in a solid dividend yield.
What Is the Investment Thesis for HGDPF?
SpareBank 1 Helgeland presents a stable investment opportunity within the Norwegian regional banking sector. With a P/E ratio of 11.31 and a dividend yield of 4.96%, the bank offers a balance of value and income. The bank's focus on the Helgeland region provides a degree of insulation from broader economic fluctuations, while its diversified revenue streams, including commercial property management, enhance its financial stability. Growth catalysts include potential expansion of its digital banking services and increased lending to SMEs in the region. However, potential risks include regulatory changes in the Norwegian financial sector and increased competition from larger national banks. The bank's beta of 0.52 indicates lower volatility compared to the overall market, making it a potentially noteworthy option for risk-averse investors.
Based on FMP financials and quantitative analysis
HGDPF Key Highlights
Market capitalization of $0.39 billion reflects a solid valuation for a regional bank.
- P/E ratio of 11.31 suggests the bank is reasonably valued compared to its earnings.
- Profit margin of 18.3% indicates efficient operations and profitability.
- Gross margin of 46.6% demonstrates the bank's ability to generate revenue from its core business activities.
- Dividend yield of 4.96% provides a significant income stream for investors.
Who Are HGDPF's Competitors?
HGDPF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| BNZIF Fideicomiso Irrevocable F/2061 FHipo | $0.49 | 0.00% | $284M | — |
| DXBGY Dexia S.A. | $0.94 | 0.00% | $395M | — |
| FETM Fentura Financial, Inc. | $42.70 | +0.35% | $192M | — |
| FFHPF Fairfax Financial Holdings Limited | $17.75 | -0.03% | $397M | — |
| USB U.S. Bancorp | $62.85 | +0.71% | $97.9B | 945-pillar |
| SHG Shinhan Financial Group Co., Ltd. | $83.86 | +3.24% | $39.6B | 985-pillar |
| BBD Banco Bradesco S.A. | $3.58 | +4.37% | $37.9B | 945-pillar |
| CIB Grupo Cibest S.A. | $103.12 | +3.08% | $24.5B | 985-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are HGDPF's Key Strengths?
Strong local presence and brand recognition in the Helgeland region.
- Diversified revenue streams from various financial products and services.
- Conservative risk management practices and a stable financial position.
- Long-standing customer relationships built on trust and personalized service.
What Are HGDPF's Weaknesses?
Limited geographic reach compared to larger national banks.
- Dependence on the economic conditions of the Helgeland region.
- Smaller scale and resources compared to larger competitors.
- Potential vulnerability to technological disruption in the financial sector.
What Could Drive HGDPF Stock Higher?
HGDPF catalyst: Potential expansion of digital banking services by Q4 2026, aimed at attracting younger demographics and increasing market share.
- Continued lending to SMEs in the Helgeland region, supporting local economic growth and increasing the bank's loan portfolio.
- Strategic partnerships with local businesses, enhancing brand reputation and customer acquisition.
What Are the Key Risks for HGDPF?
Increased competition from larger national banks and fintech companies, potentially eroding market share.
- Regulatory changes in the Norwegian financial sector, which could impact the bank's profitability and operations.
- Economic downturn in the Helgeland region, leading to increased loan defaults and reduced demand for financial services.
- Cybersecurity risks and data breaches, potentially compromising customer data and damaging the bank's reputation.
What Are the Growth Opportunities for HGDPF?
- Expansion of Digital Banking Services: SpareBank 1 Helgeland can capitalize on the growing demand for digital banking solutions by investing in its online and mobile platforms. This includes offering a wider range of digital services, such as online account opening, mobile payments, and personalized financial advice. The market for digital banking in Norway is expected to grow significantly, driven by increasing internet penetration and smartphone adoption. By enhancing its digital capabilities, SpareBank 1 Helgeland can attract new customers, improve customer retention, and reduce operational costs, potentially increasing market share by 5% by 2028.
- Increased Lending to SMEs: SpareBank 1 Helgeland can focus on expanding its lending activities to small and medium-sized enterprises (SMEs) in the Helgeland region. SMEs are a vital part of the local economy, and there is a growing demand for financing to support their growth and development. By offering tailored lending solutions and financial advisory services, SpareBank 1 Helgeland can strengthen its relationships with local businesses and increase its loan portfolio. The SME lending market in Norway is estimated to be worth billions of dollars, presenting a significant growth opportunity for the bank. The bank aims to increase its SME loan portfolio by 10% over the next three years.
- Strategic Partnerships with Local Businesses: SpareBank 1 Helgeland can form strategic partnerships with local businesses to offer bundled financial services and cross-promotional opportunities. This can include partnering with real estate agencies to offer mortgage packages, or collaborating with insurance companies to provide comprehensive financial solutions. By leveraging its local network and expertise, SpareBank 1 Helgeland can create mutually beneficial relationships and enhance its brand reputation. These partnerships could contribute to a 3% increase in new customer acquisitions by 2027.
- Investment in Sustainable Finance: SpareBank 1 Helgeland can align its lending and investment activities with sustainable development goals, focusing on financing projects that promote environmental protection and social responsibility. This includes supporting renewable energy projects, energy-efficient buildings, and sustainable agriculture initiatives. The market for sustainable finance is growing rapidly, driven by increasing awareness of environmental and social issues. By positioning itself as a leader in sustainable finance, SpareBank 1 Helgeland can attract socially conscious investors and customers, potentially increasing its assets under management by 8% in the next five years.
- Geographic Expansion within the Helgeland Region: While maintaining its focus on the Helgeland region, SpareBank 1 Helgeland can explore opportunities to expand its physical presence by opening new branches or establishing partnerships in underserved areas. This can help the bank reach new customers and increase its market share. The Helgeland region has a diverse economy and a growing population, presenting opportunities for expansion. By carefully selecting new locations and tailoring its services to local needs, SpareBank 1 Helgeland can achieve sustainable growth and strengthen its position as a leading regional bank. The bank plans to open one new branch in a strategic location by the end of 2027.
What Are HGDPF's Competitive Advantages?
- Strong local presence and brand reputation in the Helgeland region.
- Long-standing customer relationships built on trust and personalized service.
- Diversified revenue streams from various financial products and services.
- Conservative risk management practices and a stable financial position.
What Does HGDPF Do?
SpareBank 1 Helgeland, established in 1860 and headquartered in Mo i Rana, Norway, is a regional bank providing a comprehensive suite of financial products and services. The bank serves retail customers, small and medium enterprises (SMEs), municipal authorities, and institutions within the Helgeland region. Its operations are divided into two primary segments: Retail Market and Corporate Market. The Retail Market segment caters to individual customers, offering savings accounts, investment products, insurance solutions, and mortgage services. The Corporate Market segment focuses on providing financial solutions to businesses, including lending, leasing, and advisory services. SpareBank 1 Helgeland also engages in owning, managing, letting, buying, and selling commercial properties, diversifying its revenue streams and contributing to the local economy. The bank operates through three branches located in Mosjøen, Brønnøysund, and Sandnessjøen, ensuring a local presence and personalized service for its customers. As a regional bank, SpareBank 1 Helgeland plays a crucial role in supporting the economic development of the Helgeland region by providing access to capital and financial expertise. The bank's long history and deep roots in the community have fostered strong customer relationships and a reputation for reliability and trust.
What Products and Services Does HGDPF Offer?
- Provides savings accounts and deposit products for individuals and businesses.
- Offers mortgage loans for residential and commercial properties.
- Provides investment products, including mutual funds and brokerage services.
- Offers various insurance products to protect against financial risks.
- Provides leasing services for equipment and vehicles.
- Offers financial advisory services to individuals and businesses.
- Engages in owning, managing, and selling commercial properties.
How Does HGDPF Make Money?
- Generates revenue from interest income on loans and mortgages.
- Earns fees from investment products and financial advisory services.
- Receives premiums from insurance products.
- Derives income from leasing services.
- Generates rental income from commercial properties.
What Industry Does HGDPF Operate In?
SpareBank 1 Helgeland operates within the Norwegian regional banking sector, which is characterized by a mix of local and national players. The industry is influenced by factors such as interest rates, regulatory policies, and economic growth in the region. The Norwegian banking sector is generally considered stable, but faces increasing competition from fintech companies and larger banks offering digital services. SpareBank 1 Helgeland's focus on the Helgeland region allows it to maintain a strong local presence and customer relationships, differentiating it from larger national banks.
Who Are HGDPF's Key Customers?
- Retail customers seeking savings, investment, and mortgage products.
- Small and medium enterprises (SMEs) requiring financing and advisory services.
- Municipal authorities and institutions needing financial solutions.
- Individuals and businesses seeking insurance coverage.
Earnings Track Record
SpareBank 1 Helgeland has beaten Wall Street's EPS estimate in 4 of its last 8 reported quarters — more hits than misses. Reported results have landed about 5.1% above estimates on average.
Key Financial Metrics
Return on equity for SpareBank 1 Helgeland stands at 8.7%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.1%, showing how much profit it generates from its asset base. HGDPF trades at a trailing price-to-earnings ratio of 11.31, below the Financial Services sector average of ~17.50x. Its free cash flow yield is 22.6%, a gauge of the cash the business throws off relative to its market value. Its earnings yield is 9.5%, the inverse of the P/E and a quick read on earnings relative to price.
Company Profile
SpareBank 1 Helgeland operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Mo i Rana, NO. The company is led by CEO Hanne Johansen Nordgaard. HGDPF has traded publicly since 2013.
HGDPF Financials
Bull Case vs Bear Case
Bull Case
- Strong local presence and brand recognition in the Helgeland region.
- Diversified revenue streams from various financial products and services.
- Conservative risk management practices and a stable financial position.
- Long-standing customer relationships built on trust and personalized service.
Bear Case
- Limited geographic reach compared to larger national banks.
- Dependence on the economic conditions of the Helgeland region.
- Smaller scale and resources compared to larger competitors.
- Potential vulnerability to technological disruption in the financial sector.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
HGDPF Latest News
No recent news available for HGDPF.
Leadership: Hanne Johansen Nordgaard
CEO
Hanne Johansen Nordgaard serves as the CEO of SpareBank 1 Helgeland, leading a team of 165 employees. Her career spans over two decades in the financial services industry, with a focus on regional banking and community development. Prior to joining SpareBank 1 Helgeland, she held various leadership positions at other regional banks in Norway, where she was responsible for strategic planning, risk management, and customer relationship management. She holds a Master's degree in Business Administration from the Norwegian School of Economics.
Track Record: Since assuming the role of CEO, Hanne Johansen Nordgaard has focused on strengthening SpareBank 1 Helgeland's position as a leading regional bank. She has overseen the implementation of new digital banking initiatives, expanded lending to SMEs, and fostered strategic partnerships with local businesses. Under her leadership, the bank has maintained a stable financial performance and a strong commitment to serving the needs of the Helgeland community. She has also championed sustainable finance initiatives within the bank.
HGDPF OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that SpareBank 1 Helgeland (HGDPF) may have limited regulatory oversight and reporting requirements compared to companies listed on major exchanges like the NYSE or NASDAQ. Companies in this tier may not meet the minimum financial standards or disclosure requirements for higher tiers. Investing in OTC Other stocks carries higher risks due to the potential for less transparency and greater price volatility. Investors should conduct thorough due diligence and be aware of the potential for limited information and liquidity.
- OTC Tier: OTC Other
- Limited regulatory oversight and reporting requirements.
- Potential for less transparency and greater price volatility.
- Lower trading volume and wider bid-ask spreads.
- Increased risk of price manipulation.
- Potential for limited information and liquidity.
- Verify the company's financial statements and disclosures.
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Evaluate the company's risk factors and potential liabilities.
- Check for any regulatory actions or legal disputes involving the company.
- Monitor the stock's trading volume and price movements.
- Consult with a financial advisor before investing.
- Established history as a regional bank in Norway since 1860.
- Membership in the SpareBank 1 alliance, a network of Norwegian savings banks.
- Audited financial statements, if available.
- Presence of a recognized management team and board of directors.
- Commitment to serving the needs of the Helgeland community.
SpareBank 1 Helgeland Financial Services Stock: Key Questions Answered
What happened to SpareBank 1 Helgeland (HGDPF) stock?
SpareBank 1 Helgeland (HGDPF) no longer trades on public markets. The figures below are historical and are not a current quote.
Can I still buy HGDPF shares?
No. HGDPF stopped trading on public markets, so the shares are not available through a broker. Anything you see quoted for HGDPF elsewhere is historical data, not a live market.
Are the figures on this page current?
No. Every number here is the last value recorded before HGDPF stopped trading. Nothing on this page updates, and none of it is a current quote.
Why does this page still exist?
Because people still search for what happened to SpareBank 1 Helgeland. An archived profile that states the delisting plainly is more useful than a dead link — provided it is labelled as history, which is what this page does.
What does SpareBank 1 Helgeland do?
SpareBank 1 Helgeland is a regional bank in Norway that provides a range of financial products and services to retail customers, small and medium enterprises, municipal authorities, and institutions. The bank operates through two segments: Retail Market and Corporate Market.
What do analysts say about HGDPF stock?
Analyst coverage for SpareBank 1 Helgeland (HGDPF) is limited due to its OTC listing and regional focus. However, key valuation metrics such as the P/E ratio of 11.31 and dividend yield of 4.96% suggest the bank is reasonably valued and provides a steady income stream.
What are the main risks for HGDPF?
The main risks for SpareBank 1 Helgeland (HGDPF) include increased competition from larger national banks and fintech companies, regulatory changes in the Norwegian financial sector, and the potential for an economic downturn in the Helgeland region.
What is SpareBank 1 Helgeland's credit quality and risk management approach?
SpareBank 1 Helgeland's credit quality is a critical factor in assessing its financial health. As a regional bank, its loan portfolio is primarily concentrated in the Helgeland region, making it susceptible to local economic conditions.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
MoonshotScore is not published for this security.
Data provided for informational purposes only.
- OTC market data may be less reliable than exchange-listed data.
- Analyst coverage for this company is limited.