DDM Analysis: HGSB.OL

Valuation Snapshot

Stable Growth	$1,051.60 - $2,092.09	$1,458.48
Multi-Stage	$832.85 - $909.44	$870.45
Blended Fair Value	$1,164.46
Current Price	$160.50
Upside	625.52%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019
DPS	17.82%	0.00%	6.15	4.87	4.87	4,498.56	2.62	2.71	0.00	0.00	0.00	0.00
YoY Growth	-	-	26.15%	0.00%	-99.89%	171,328.57%	-3.08%	0.00%	0.00%	0.00%	0.00%	0.00%
Dividend Yield	-	-	3.51%	3.21%	3.21%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	184.10
(-) Cash Dividends Paid (M)	46.58
(=) Cash Retained (M)	137.53

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	36.82	23.01	13.81
Cash Retained (M)	137.53	137.53	137.53
(-) Cash Required (M)	-36.82	-23.01	-13.81
(=) Excess Retained (M)	100.71	114.51	123.72
(/) Shares Outstanding (M)	3.00	3.00	3.00
(=) Excess Retained per Share	33.56	38.16	41.23
LTM Dividend per Share	15.52	15.52	15.52
(+) Excess Retained per Share	33.56	38.16	41.23
(=) Adjusted Dividend	49.08	53.68	56.75
WACC / Discount Rate	10.01%	10.01%	10.01%
Growth Rate	5.10%	6.10%	7.10%
Fair Value	$1,051.60	$1,458.48	$2,092.09
Upside / Downside	555.20%	808.71%	1,203.48%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	184.10	195.33	207.25	219.89	233.31	247.54	254.97
Payout Ratio	25.30%	38.24%	51.18%	64.12%	77.06%	90.00%	92.50%
Projected Dividends (M)	46.58	74.69	106.07	141.00	179.79	222.79	235.85

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	10.01%	10.01%	10.01%
Growth Rate	5.10%	6.10%	7.10%
Year 1 PV (M)	67.26	67.90	68.54
Year 2 PV (M)	86.01	87.65	89.31
Year 3 PV (M)	102.95	105.91	108.94
Year 4 PV (M)	118.21	122.77	127.47
Year 5 PV (M)	131.90	138.30	144.94
PV of Terminal Value (M)	1,993.03	2,089.66	2,190.01
Equity Value (M)	2,499.35	2,612.20	2,729.20
Shares Outstanding (M)	3.00	3.00	3.00
Fair Value	$832.85	$870.45	$909.44
Upside / Downside	418.91%	442.34%	466.63%

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Haugesund Sparebank (HGSB.OL)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

High-Yield Dividend Screener