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BIEN SPAREBANK ASA (BIEN.OL) Stock Fundamental Analysis

Europe - Euronext Oslo - OSL:BIEN - NO0012706763 - Common Stock

151 NOK
-1 (-0.66%)
Last: 1/19/2026, 7:00:00 PM
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. Both the profitability and financial health of BIEN have multiple concerns. While showing a medium growth rate, BIEN is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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.
  • 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 1.05%
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'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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0

2. Health

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/Equity ratio of 1.53. This is a high value indicating a heavy dependency on external financing.
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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6

3. Growth

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.
  • 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)8.03%
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

  • Based on estimates for the next years, BIEN will show a small growth in Earnings Per Share. The EPS will grow by 6.30% on average per year.
  • 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 Y6.1%
EPS Next 2Y3.97%
EPS Next 3Y6.3%
EPS Next 5YN/A
Revenue Next Year18.94%
Revenue Next 2Y12.42%
Revenue Next 3Y10.87%
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.
  • Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of 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 2 4 6 8 10

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2

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 14.21, the valuation of BIEN can be described as correct.
  • When comparing the Price/Earnings ratio of BIEN to the average of the S&P500 Index (27.38), we can say BIEN is valued slightly cheaper.
  • BIEN is valuated correctly with a Price/Forward Earnings ratio of 13.71.
  • BIEN is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.29, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 14.21
Fwd PE 13.71
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 27.83
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)2.33
PEG (5Y)N/A
EPS Next 2Y3.97%
EPS Next 3Y6.3%

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3

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 3.52%, BIEN has a reasonable but not impressive dividend return.
  • BIEN's Dividend Yield is rather good when compared to the S&P500 average which is at 1.84.
Industry RankSector Rank
Dividend Yield 3.52%

5.2 History

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

5.3 Sustainability

  • 48.05% of the earnings are spent on dividend by BIEN. 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 SPAREBANK ASA

OSL:BIEN (1/19/2026, 7:00:00 PM)

151

-1 (-0.66%)

Chartmill FA Rating
GICS SectorN/A
GICS IndustryGroupN/A
GICS IndustryN/A
Earnings (Last)11-05
Earnings (Next)N/A
Inst Owners1.44%
Inst Owner ChangeN/A
Ins Owners2.7%
Ins Owner ChangeN/A
Market Cap857.68M
Revenue(TTM)175.19M
Net Income(TTM)63.23M
Analysts42.22
Price Target153 (1.32%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.52%
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)-5.06%
PT rev (3m)-5.06%
EPS NQ rev (1m)-14.81%
EPS NQ rev (3m)-14.81%
EPS NY rev (1m)2.61%
EPS NY rev (3m)-8.62%
Revenue NQ rev (1m)-8.99%
Revenue NQ rev (3m)-8.99%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 14.21
Fwd PE 13.71
P/S 4.9
P/FCF 27.83
P/OCF 27.83
P/B 1.15
P/tB 1.15
EV/EBITDA N/A
EPS(TTM)10.63
EY7.04%
EPS(NY)11.02
Fwd EY7.3%
FCF(TTM)5.43
FCFY3.59%
OCF(TTM)5.43
OCFY3.59%
SpS30.84
BVpS130.81
TBVpS130.81
PEG (NY)2.33
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 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 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 FAQ

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

ChartMill assigns a fundamental rating of 2 / 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 2 / 10.


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

The Price/Earnings (PE) ratio for BIEN SPAREBANK ASA (BIEN.OL) is 14.21 and the Price/Book (PB) ratio is 1.15.


How financially healthy is BIEN SPAREBANK ASA?

The financial health rating of BIEN SPAREBANK ASA (BIEN.OL) is 0 / 10.