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BIEN SPAREBANK ASA (BIEN.OL) Stock Fundamental Analysis

Europe - OSL:BIEN - NO0012706763 - Common Stock

138 NOK
-2 (-1.43%)
Last: 9/12/2025, 7:00:00 PM
Fundamental Rating

3

Overall BIEN gets a fundamental rating of 3 out of 10. We evaluated BIEN against 0 industry peers in the Unkown industry. BIEN may be in some trouble as it scores bad on both profitability and health. BIEN has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year BIEN was profitable.
In the past year BIEN had a positive cash flow from operations.
Each year in the past 5 years BIEN has been profitable.
Of the past 5 years BIEN 4 years had a positive operating cash flow.
BIEN.OL Yearly Net Income VS EBIT VS OCF VS FCFBIEN.OL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2020 2021 2022 2023 2024 0 50M -50M -100M -150M

1.2 Ratios

Industry RankSector Rank
ROA 1.08%
ROE 8.58%
ROIC N/A
ROA(3y)1.02%
ROA(5y)0.83%
ROE(3y)7.66%
ROE(5y)6.72%
ROIC(3y)N/A
ROIC(5y)N/A
BIEN.OL Yearly ROA, ROE, ROICBIEN.OL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

BIEN's Profit Margin has improved in the last couple of years.
BIEN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 36.16%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y11.71%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
BIEN.OL Yearly Profit, Operating, Gross MarginsBIEN.OL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 2024 10 20 30

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0

2. Health

2.1 Basic Checks

The number of shares outstanding for BIEN remains at a similar level compared to 1 year ago.
Compared to 1 year ago, BIEN has a worse debt to assets ratio.
BIEN.OL Yearly Shares OutstandingBIEN.OL Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 1M 2M 3M 4M 5M
BIEN.OL Yearly Total Debt VS Total AssetsBIEN.OL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

2.2 Solvency

BIEN has a debt to FCF ratio of 7.83. This is a slightly negative value and a sign of low solvency as BIEN would need 7.83 years to pay back of all of its debts.
BIEN has a Debt/Equity ratio of 1.49. This is a high value indicating a heavy dependency on external financing.
Industry RankSector Rank
Debt/Equity 1.49
Debt/FCF 7.83
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
BIEN.OL Yearly LT Debt VS Equity VS FCFBIEN.OL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2020 2021 2022 2023 2024 0 200M 400M 600M 800M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BIEN.OL Yearly Current Assets VS Current LiabilitesBIEN.OL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 2024 5M 10M 15M

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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 8.61% over the past year.
The Earnings Per Share has been growing by 27.29% on average over the past years. This is a very strong growth
The Revenue has been growing slightly by 6.99% in the past year.
BIEN shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.95% yearly.
EPS 1Y (TTM)8.61%
EPS 3Y27.29%
EPS 5YN/A
EPS Q2Q%10.64%
Revenue 1Y (TTM)6.99%
Revenue growth 3Y13.95%
Revenue growth 5YN/A
Sales Q2Q%15%

3.2 Future

BIEN is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.44% yearly.
Based on estimates for the next years, BIEN will show a quite strong growth in Revenue. The Revenue will grow by 10.87% on average per year.
EPS Next Y16.11%
EPS Next 2Y13.19%
EPS Next 3Y12.44%
EPS Next 5YN/A
Revenue Next Year18.94%
Revenue Next 2Y12.42%
Revenue Next 3Y10.87%
Revenue Next 5YN/A

3.3 Evolution

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
BIEN.OL Yearly Revenue VS EstimatesBIEN.OL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M
BIEN.OL Yearly EPS VS EstimatesBIEN.OL Yearly EPS VS EstimatesYearly EPS VS Estimates 2022 2023 2024 2025 2026 2027 5 10

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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 13.02, which indicates a correct valuation of BIEN.
BIEN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.30.
BIEN is valuated reasonably with a Price/Forward Earnings ratio of 10.57.
When comparing the Price/Forward Earnings ratio of BIEN to the average of the S&P500 Index (22.73), we can say BIEN is valued rather cheaply.
Industry RankSector Rank
PE 13.02
Fwd PE 10.57
BIEN.OL Price Earnings VS Forward Price EarningsBIEN.OL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF 5.92
EV/EBITDA N/A
BIEN.OL Per share dataBIEN.OL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80 100

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as BIEN's earnings are expected to grow with 12.44% in the coming years.
PEG (NY)0.81
PEG (5Y)N/A
EPS Next 2Y13.19%
EPS Next 3Y12.44%

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3

5. Dividend

5.1 Amount

BIEN has a Yearly Dividend Yield of 3.82%.
BIEN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
Industry RankSector Rank
Dividend Yield 3.82%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

BIEN pays out 46.70% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP46.7%
EPS Next 2Y13.19%
EPS Next 3Y12.44%
BIEN.OL Yearly Income VS Free CF VS DividendBIEN.OL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2020 2021 2022 2023 2024 0 50M -50M -100M -150M
BIEN.OL Dividend Payout.BIEN.OL Dividend Payout, showing the Payout Ratio.BIEN.OL Dividend Payout.PayoutRetained Earnings

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BIEN SPAREBANK ASA

OSL:BIEN (9/12/2025, 7:00:00 PM)

138

-2 (-1.43%)

Chartmill FA Rating
GICS SectorN/A
GICS IndustryGroupN/A
GICS IndustryN/A
Earnings (Last)08-13 2025-08-13/bmo
Earnings (Next)N/A N/A
Inst Owners1.44%
Inst Owner ChangeN/A
Ins Owners2.7%
Ins Owner ChangeN/A
Market Cap783.84M
Analysts42.22
Price Target161.16 (16.78%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.82%
Yearly Dividend4.92
Dividend Growth(5Y)N/A
DP46.7%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)7.07%
Min EPS beat(2)-0.93%
Max EPS beat(2)15.07%
EPS beat(4)2
Avg EPS beat(4)3.79%
Min EPS beat(4)-6.45%
Max EPS beat(4)15.07%
EPS beat(8)5
Avg EPS beat(8)5.77%
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)0.68%
Min Revenue beat(2)-1.15%
Max Revenue beat(2)2.51%
Revenue beat(4)2
Avg Revenue beat(4)2.56%
Min Revenue beat(4)-1.61%
Max Revenue beat(4)10.51%
Revenue beat(8)3
Avg Revenue beat(8)4.85%
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)13.51%
EPS NY rev (1m)19.59%
EPS NY rev (3m)19.59%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)11.55%
Revenue NY rev (1m)0%
Revenue NY rev (3m)11.42%
Valuation
Industry RankSector Rank
PE 13.02
Fwd PE 10.57
P/S 4.74
P/FCF 5.92
P/OCF 5.92
P/B 1.12
P/tB 1.12
EV/EBITDA N/A
EPS(TTM)10.6
EY7.68%
EPS(NY)13.06
Fwd EY9.46%
FCF(TTM)23.3
FCFY16.89%
OCF(TTM)23.3
OCFY16.89%
SpS29.14
BVpS122.82
TBVpS122.82
PEG (NY)0.81
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.08%
ROE 8.58%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 36.16%
GM N/A
FCFM 79.98%
ROA(3y)1.02%
ROA(5y)0.83%
ROE(3y)7.66%
ROE(5y)6.72%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y11.71%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 1.49
Debt/FCF 7.83
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 221.18%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score3
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)8.61%
EPS 3Y27.29%
EPS 5YN/A
EPS Q2Q%10.64%
EPS Next Y16.11%
EPS Next 2Y13.19%
EPS Next 3Y12.44%
EPS Next 5YN/A
Revenue 1Y (TTM)6.99%
Revenue growth 3Y13.95%
Revenue growth 5YN/A
Sales Q2Q%15%
Revenue Next Year18.94%
Revenue Next 2Y12.42%
Revenue Next 3Y10.87%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y115.33%
FCF growth 3Y1.73%
FCF growth 5YN/A
OCF growth 1Y115.33%
OCF growth 3Y1.73%
OCF growth 5YN/A