BIEN SPAREBANK ASA (BIEN.OL) Fundamental Analysis & Valuation

OSL:BIEN • NO0012706763

Current stock price

148 NOK
+5 (+3.5%)
Last:

This BIEN.OL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. BIEN.OL Profitability Analysis

1.1 Basic Checks

  • BIEN had positive earnings in the past year.
  • BIEN had a positive operating cash flow in the past year.
  • BIEN had positive earnings in each of the past 5 years.
  • BIEN had a positive operating cash flow in 4 of the past 5 years.
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

  • BIEN's Return On Assets of 1.05% is fine compared to the rest of the industry. BIEN outperforms 66.37% of its industry peers.
  • Looking at the Return On Equity, with a value of 8.51%, BIEN is doing worse than 63.72% of the companies in the same industry.
Industry RankSector Rank
ROA 1.05%
ROE 8.51%
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 has a better Profit Margin (36.09%) than 85.84% of its industry peers.
  • BIEN's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for BIEN so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 36.09%
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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1

2. BIEN.OL Health Analysis

2.1 Basic Checks

  • The number of shares outstanding for BIEN remains at a similar level compared to 1 year ago.
  • BIEN has a worse debt/assets ratio than last year.
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

  • The Debt to FCF ratio of BIEN is 36.90, which is on the high side as it means it would take BIEN, 36.90 years of fcf income to pay off all of its debts.
  • BIEN has a Debt to FCF ratio (36.90) which is in line with its industry peers.
  • A Debt/Equity ratio of 1.53 is on the high side and indicates that BIEN has dependencies on debt financing.
  • BIEN has a Debt to Equity ratio (1.53) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 1.53
Debt/FCF 36.9
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. BIEN.OL Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 8.03% over the past year.
  • BIEN shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 27.29% yearly.
  • Looking at the last year, BIEN shows a quite strong growth in Revenue. The Revenue has grown by 11.04% in the last year.
  • Measured over the past years, BIEN shows a quite strong growth in Revenue. The Revenue has been growing by 13.95% on average per year.
EPS 1Y (TTM)8.03%
EPS 3Y27.29%
EPS 5YN/A
EPS Q2Q%1.31%
Revenue 1Y (TTM)11.04%
Revenue growth 3Y13.95%
Revenue growth 5YN/A
Sales Q2Q%8.18%

3.2 Future

  • BIEN is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.30% yearly.
  • Based on estimates for the next years, BIEN will show a small growth in Revenue. The Revenue will grow by 7.29% on average per year.
EPS Next Y6.1%
EPS Next 2Y3.97%
EPS Next 3Y6.3%
EPS Next 5YN/A
Revenue Next Year10.61%
Revenue Next 2Y7.05%
Revenue Next 3Y7.29%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last 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
BIEN.OL Yearly EPS VS EstimatesBIEN.OL Yearly EPS VS EstimatesYearly EPS VS Estimates 2022 2023 2024 2025 2026 2027 2 4 6 8 10

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2

4. BIEN.OL Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 13.92 indicates a correct valuation of BIEN.
  • Based on the Price/Earnings ratio, BIEN is valued more expensive than 85.84% of the companies in the same industry.
  • BIEN's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.73.
  • BIEN is valuated correctly with a Price/Forward Earnings ratio of 13.44.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of BIEN indicates a slightly more expensive valuation: BIEN is more expensive than 77.88% of the companies listed in the same industry.
  • BIEN is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.72, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 13.92
Fwd PE 13.44
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of BIEN is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 27.27
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 high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates BIEN does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.28
PEG (5Y)N/A
EPS Next 2Y3.97%
EPS Next 3Y6.3%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. BIEN.OL Dividend Analysis

5.1 Amount

  • BIEN has a Yearly Dividend Yield of 3.72%.
  • Compared to an average industry Dividend Yield of 4.66, BIEN is paying slightly less dividend.
  • BIEN's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 3.72%

5.2 History

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

5.3 Sustainability

  • BIEN pays out 48.05% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP48.05%
EPS Next 2Y3.97%
EPS Next 3Y6.3%
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.OL Fundamentals: All Metrics, Ratios and Statistics

BIEN SPAREBANK ASA

OSL:BIEN (3/18/2026, 7:00:00 PM)

148

+5 (+3.5%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-05
Earnings (Next)N/A
Inst Owners1.48%
Inst Owner ChangeN/A
Ins Owners2.75%
Ins Owner ChangeN/A
Market Cap840.64M
Revenue(TTM)175.19M
Net Income(TTM)63.23M
Analysts42.22
Price Target153 (3.38%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.72%
Yearly Dividend4.92
Dividend Growth(5Y)N/A
DP48.05%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-10.83%
Min EPS beat(2)-18.77%
Max EPS beat(2)-2.89%
EPS beat(4)1
Avg EPS beat(4)-1.88%
Min EPS beat(4)-18.77%
Max EPS beat(4)15.07%
EPS beat(8)4
Avg EPS beat(8)2.55%
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)1.85%
Min Revenue beat(2)-8.74%
Max Revenue beat(2)12.43%
Revenue beat(4)2
Avg Revenue beat(4)1.26%
Min Revenue beat(4)-8.74%
Max Revenue beat(4)12.43%
Revenue beat(8)3
Avg Revenue beat(8)1.1%
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)-5.06%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-14.81%
EPS NY rev (1m)0%
EPS NY rev (3m)2.61%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-8.99%
Revenue NY rev (1m)-7.01%
Revenue NY rev (3m)-7.01%
Valuation
Industry RankSector Rank
PE 13.92
Fwd PE 13.44
P/S 4.8
P/FCF 27.27
P/OCF 27.27
P/B 1.13
P/tB 1.13
EV/EBITDA N/A
EPS(TTM)10.63
EY7.18%
EPS(NY)11.02
Fwd EY7.44%
FCF(TTM)5.43
FCFY3.67%
OCF(TTM)5.43
OCFY3.67%
SpS30.84
BVpS130.81
TBVpS130.81
PEG (NY)2.28
PEG (5Y)N/A
Graham Number176.88
Profitability
Industry RankSector Rank
ROA 1.05%
ROE 8.51%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 36.09%
GM N/A
FCFM 17.59%
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
ROICexgc growth 3YN/A
ROICexgc 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-Score2
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 1.53
Debt/FCF 36.9
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 48.74%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score2
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)8.03%
EPS 3Y27.29%
EPS 5YN/A
EPS Q2Q%1.31%
EPS Next Y6.1%
EPS Next 2Y3.97%
EPS Next 3Y6.3%
EPS Next 5YN/A
Revenue 1Y (TTM)11.04%
Revenue growth 3Y13.95%
Revenue growth 5YN/A
Sales Q2Q%8.18%
Revenue Next Year10.61%
Revenue Next 2Y7.05%
Revenue Next 3Y7.29%
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 1Y125.38%
FCF growth 3Y1.73%
FCF growth 5YN/A
OCF growth 1Y125.38%
OCF growth 3Y1.73%
OCF growth 5YN/A

BIEN SPAREBANK ASA / BIEN.OL Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for BIEN SPAREBANK ASA?

ChartMill assigns a fundamental rating of 3 / 10 to BIEN.OL.


Can you provide the valuation status for BIEN SPAREBANK ASA?

ChartMill assigns a valuation rating of 2 / 10 to BIEN SPAREBANK ASA (BIEN.OL). This can be considered as Overvalued.


Can you provide the profitability details for BIEN SPAREBANK ASA?

BIEN SPAREBANK ASA (BIEN.OL) has a profitability rating of 4 / 10.


Can you provide the PE and PB ratios for BIEN stock?

The Price/Earnings (PE) ratio for BIEN SPAREBANK ASA (BIEN.OL) is 13.92 and the Price/Book (PB) ratio is 1.13.


How financially healthy is BIEN SPAREBANK ASA?

The financial health rating of BIEN SPAREBANK ASA (BIEN.OL) is 1 / 10.