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BIEN SPAREBANK ASA (BIEN.OL) Stock Fundamental Analysis

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

158 NOK
0 (0%)
Last: 12/22/2025, 7:00:00 PM
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to BIEN. 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. BIEN is valied quite expensively at the moment, while it does show a decent growth rate.


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 has reported a negative 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 8.61%
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

In the last couple of years the Profit Margin of BIEN has grown nicely.
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) 36.12%
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

A Debt/Equity ratio of 1.58 is on the high side and indicates that BIEN has dependencies on debt financing.
Industry RankSector Rank
Debt/Equity 1.58
Debt/FCF N/A
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.
The Earnings Per Share has been growing by 27.29% on average over the past years. This is a very strong growth
BIEN shows a small growth in Revenue. In the last year, the Revenue has grown by 6.99%.
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)6.99%
Revenue growth 3Y13.95%
Revenue growth 5YN/A
Sales Q2Q%8.18%

3.2 Future

The Earnings Per Share is expected to grow by 12.44% on average over the next years. This is quite good.
BIEN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.87% yearly.
EPS Next Y3.4%
EPS Next 2Y3.01%
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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2

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 14.86, the valuation of BIEN can be described as correct.
BIEN is valuated rather cheaply when we compare the Price/Earnings ratio to 26.50, which is the current average of the S&P500 Index.
BIEN is valuated correctly with a Price/Forward Earnings ratio of 14.61.
The average S&P500 Price/Forward Earnings ratio is at 23.93. BIEN is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 14.86
Fwd PE 14.61
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 N/A
EV/EBITDA N/A
BIEN.OL Per share dataBIEN.OL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 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.
BIEN's earnings are expected to grow with 12.44% in the coming years. This may justify a more expensive valuation.
PEG (NY)4.37
PEG (5Y)N/A
EPS Next 2Y3.01%
EPS Next 3Y12.44%

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3

5. Dividend

5.1 Amount

BIEN has a Yearly Dividend Yield of 3.39%. Purely for dividend investing, there may be better candidates out there.
Compared to an average S&P500 Dividend Yield of 1.87, BIEN pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.39%

5.2 History

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

5.3 Sustainability

BIEN pays out 48.92% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP48.92%
EPS Next 2Y3.01%
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 (12/22/2025, 7:00:00 PM)

158

0 (0%)

Chartmill FA Rating
GICS SectorN/A
GICS IndustryGroupN/A
GICS IndustryN/A
Earnings (Last)11-05 2025-11-05/bmo
Earnings (Next)N/A N/A
Inst Owners1.44%
Inst Owner ChangeN/A
Ins Owners2.7%
Ins Owner ChangeN/A
Market Cap897.44M
Revenue(TTM)160.10M
Net Income(TTM)62.11M
Analysts42.22
Price Target161.16 (2%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.39%
Yearly Dividend4.92
Dividend Growth(5Y)N/A
DP48.92%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1.91%
Min EPS beat(2)-2.89%
Max EPS beat(2)-0.93%
EPS beat(4)1
Avg EPS beat(4)1.2%
Min EPS beat(4)-6.45%
Max EPS beat(4)15.07%
EPS beat(8)4
Avg EPS beat(8)3.68%
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)5.64%
Min Revenue beat(2)-1.15%
Max Revenue beat(2)12.43%
Revenue beat(4)2
Avg Revenue beat(4)3.04%
Min Revenue beat(4)-1.61%
Max Revenue beat(4)12.43%
Revenue beat(8)3
Avg Revenue beat(8)2.18%
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)0%
EPS NY rev (1m)-10.95%
EPS NY rev (3m)-10.95%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 14.86
Fwd PE 14.61
P/S 5.22
P/FCF N/A
P/OCF N/A
P/B 1.24
P/tB 1.24
EV/EBITDA N/A
EPS(TTM)10.63
EY6.73%
EPS(NY)10.81
Fwd EY6.84%
FCF(TTM)-2.14
FCFYN/A
OCF(TTM)-2.14
OCFYN/A
SpS30.28
BVpS127.07
TBVpS127.07
PEG (NY)4.37
PEG (5Y)N/A
Graham Number174.33
Profitability
Industry RankSector Rank
ROA 1.05%
ROE 8.61%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 36.12%
GM N/A
FCFM 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
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-Score1
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 1.58
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score1
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 Y3.4%
EPS Next 2Y3.01%
EPS Next 3Y12.44%
EPS Next 5YN/A
Revenue 1Y (TTM)6.99%
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 1Y115.33%
FCF growth 3Y1.73%
FCF growth 5YN/A
OCF growth 1Y115.33%
OCF growth 3Y1.73%
OCF growth 5YN/A

BIEN SPAREBANK ASA / BIEN.OL FAQ

What is the fundamental rating for BIEN stock?

ChartMill assigns a fundamental rating of 2 / 10 to BIEN.OL.


What is the valuation status of BIEN SPAREBANK ASA (BIEN.OL) stock?

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


What is the profitability of BIEN stock?

BIEN SPAREBANK ASA (BIEN.OL) has a profitability rating of 2 / 10.


What are the PE and PB ratios of BIEN SPAREBANK ASA (BIEN.OL) stock?

The Price/Earnings (PE) ratio for BIEN SPAREBANK ASA (BIEN.OL) is 14.86 and the Price/Book (PB) ratio is 1.24.


What is the expected EPS growth for BIEN SPAREBANK ASA (BIEN.OL) stock?

The Earnings per Share (EPS) of BIEN SPAREBANK ASA (BIEN.OL) is expected to grow by 3.4% in the next year.