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BIEN SPAREBANK ASA (BIEN.OL) Stock Fundamental Analysis

OSL:BIEN - Euronext Oslo - NO0012706763 - Common Stock - Currency: NOK

148  +3 (+2.07%)

Fundamental Rating

2

Taking everything into account, BIEN scores 2 out of 10 in our fundamental rating. BIEN was compared to 0 industry peers in the Unkown industry. BIEN may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, BIEN is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

BIEN had positive earnings in the past year.
In the past year BIEN had a positive cash flow from operations.
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

Industry RankSector Rank
ROA 1.11%
ROE 8.48%
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.
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) 37.64%
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

The Debt to FCF ratio of BIEN is 36.48, which is on the high side as it means it would take BIEN, 36.48 years of fcf income to pay off all of its debts.
BIEN has a Debt/Equity ratio of 1.33. This is a high value indicating a heavy dependency on external financing.
Industry RankSector Rank
Debt/Equity 1.33
Debt/FCF 36.48
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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3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 6.81% 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 small growth in Revenue. The Revenue has grown by 7.90% in the last year.
The Revenue has been growing by 13.95% on average over the past years. This is quite good.
EPS 1Y (TTM)6.81%
EPS 3Y27.29%
EPS 5YN/A
EPS Q2Q%18.62%
Revenue 1Y (TTM)7.9%
Revenue growth 3Y13.95%
Revenue growth 5YN/A
Sales Q2Q%12.55%

3.2 Future

The Earnings Per Share is expected to grow by 5.41% on average over the next years.
BIEN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.71% yearly.
EPS Next Y-2.9%
EPS Next 2Y2.03%
EPS Next 3Y5.41%
EPS Next 5YN/A
Revenue Next Year2.83%
Revenue Next 2Y4.42%
Revenue Next 3Y5.71%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 14.52, BIEN is valued correctly.
BIEN is valuated rather cheaply when we compare the Price/Earnings ratio to 24.29, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 14.96, which indicates a correct valuation of BIEN.
BIEN's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 20.42.
Industry RankSector Rank
PE 14.52
Fwd PE 14.96
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

4.2 Price Multiples

Industry RankSector Rank
P/FCF 32.19
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

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y2.03%
EPS Next 3Y5.41%

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3

5. Dividend

5.1 Amount

BIEN has a Yearly Dividend Yield of 3.57%.
Compared to an average S&P500 Dividend Yield of 2.43, BIEN pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.57%

5.2 History

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

5.3 Sustainability

BIEN pays out 45.99% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP45.99%
EPS Next 2Y2.03%
EPS Next 3Y5.41%
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 (5/6/2025, 7:00:00 PM)

148

+3 (+2.07%)

Chartmill FA Rating
GICS SectorN/A
GICS IndustryGroupN/A
GICS IndustryN/A
Earnings (Last)02-12 2025-02-12/bmo
Earnings (Next)N/A N/A
Inst Owners2.81%
Inst Owner ChangeN/A
Ins Owners2.53%
Ins Owner ChangeN/A
Market Cap840.64M
Analysts42.22
Price Target158.1 (6.82%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.57%
Yearly Dividend4.92
Dividend Growth(5Y)N/A
DP45.99%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)4.31%
Min EPS beat(2)-6.45%
Max EPS beat(2)15.07%
EPS beat(4)3
Avg EPS beat(4)5.03%
Min EPS beat(4)-6.45%
Max EPS beat(4)15.07%
EPS beat(8)5
Avg EPS beat(8)3.25%
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)0.45%
Min Revenue beat(2)-1.61%
Max Revenue beat(2)2.51%
Revenue beat(4)2
Avg Revenue beat(4)2.68%
Min Revenue beat(4)-1.61%
Max Revenue beat(4)10.51%
Revenue beat(8)3
Avg Revenue beat(8)4.01%
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)24%
EPS NQ rev (1m)11.76%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-4.9%
Revenue NQ rev (1m)5.78%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.73%
Valuation
Industry RankSector Rank
PE 14.52
Fwd PE 14.96
P/S 5.21
P/FCF 32.19
P/OCF 32.19
P/B 1.17
P/tB 1.17
EV/EBITDA N/A
EPS(TTM)10.19
EY6.89%
EPS(NY)9.89
Fwd EY6.69%
FCF(TTM)4.6
FCFY3.11%
OCF(TTM)4.6
OCFY3.11%
SpS28.43
BVpS126.18
TBVpS126.18
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.11%
ROE 8.48%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 37.64%
GM N/A
FCFM 16.17%
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-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 1.33
Debt/FCF 36.48
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 42.97%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
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)6.81%
EPS 3Y27.29%
EPS 5YN/A
EPS Q2Q%18.62%
EPS Next Y-2.9%
EPS Next 2Y2.03%
EPS Next 3Y5.41%
EPS Next 5YN/A
Revenue 1Y (TTM)7.9%
Revenue growth 3Y13.95%
Revenue growth 5YN/A
Sales Q2Q%12.55%
Revenue Next Year2.83%
Revenue Next 2Y4.42%
Revenue Next 3Y5.71%
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