SPAREBANK 1 SMN (MING.OL) Fundamental Analysis & Valuation

OSL:MING • NO0006390301

Current stock price

195.1 NOK
-12.65 (-6.09%)
Last:

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

3

1. MING.OL Profitability Analysis

1.1 Basic Checks

  • MING had positive earnings in the past year.
  • Each year in the past 5 years MING has been profitable.
  • MING had negative operating cash flow in 4 of the past 5 years.
MING.OL Yearly Net Income VS EBIT VS OCF VS FCFMING.OL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B -5B

1.2 Ratios

  • MING has a Return On Assets of 1.13%. This is in the better half of the industry: MING outperforms 74.55% of its industry peers.
  • MING has a Return On Equity (8.84%) which is comparable to the rest of the industry.
Industry RankSector Rank
ROA 1.13%
ROE 8.84%
ROIC N/A
ROA(3y)1.1%
ROA(5y)0.98%
ROE(3y)8.98%
ROE(5y)8.33%
ROIC(3y)N/A
ROIC(5y)N/A
MING.OL Yearly ROA, ROE, ROICMING.OL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • Looking at the Profit Margin, with a value of 29.59%, MING is in the better half of the industry, outperforming 77.27% of the companies in the same industry.
  • MING's Profit Margin has improved in the last couple of years.
  • MING 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) 29.59%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.93%
PM growth 5Y10.56%
GM growth 3YN/A
GM growth 5YN/A
MING.OL Yearly Profit, Operating, Gross MarginsMING.OL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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1

2. MING.OL Health Analysis

2.1 Basic Checks

  • MING has about the same amout of shares outstanding than it did 1 year ago.
  • The number of shares outstanding for MING has been increased compared to 5 years ago.
  • The debt/assets ratio for MING has been reduced compared to a year ago.
MING.OL Yearly Shares OutstandingMING.OL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M
MING.OL Yearly Total Debt VS Total AssetsMING.OL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B 200B

2.2 Solvency

  • MING has a Debt/Equity ratio of 1.53. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 1.53, MING is in line with its industry, outperforming 52.73% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.53
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
MING.OL Yearly LT Debt VS Equity VS FCFMING.OL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B 40B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MING.OL Yearly Current Assets VS Current LiabilitesMING.OL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

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3

3. MING.OL Growth Analysis

3.1 Past

  • The earnings per share for MING have decreased by -6.58% in the last year.
  • The Earnings Per Share has been growing by 16.30% on average over the past years. This is quite good.
  • MING shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -19.43%.
  • Measured over the past years, MING shows a small growth in Revenue. The Revenue has been growing by 7.72% on average per year.
EPS 1Y (TTM)-6.58%
EPS 3Y13.75%
EPS 5Y16.3%
EPS Q2Q%-1.93%
Revenue 1Y (TTM)-19.43%
Revenue growth 3Y16.12%
Revenue growth 5Y7.72%
Sales Q2Q%0.98%

3.2 Future

  • Based on estimates for the next years, MING will show a small growth in Earnings Per Share. The EPS will grow by 2.12% on average per year.
  • Based on estimates for the next years, MING will show a small growth in Revenue. The Revenue will grow by 3.49% on average per year.
EPS Next Y0.25%
EPS Next 2Y1.26%
EPS Next 3Y2.12%
EPS Next 5YN/A
Revenue Next Year1.17%
Revenue Next 2Y2.11%
Revenue Next 3Y3.49%
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
MING.OL Yearly Revenue VS EstimatesMING.OL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2B 4B 6B 8B 10B
MING.OL Yearly EPS VS EstimatesMING.OL Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5 10 15 20

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3

4. MING.OL Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.34, the valuation of MING can be described as very reasonable.
  • MING's Price/Earnings ratio is in line with the industry average.
  • When comparing the Price/Earnings ratio of MING to the average of the S&P500 Index (24.88), we can say MING is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 10.31, the valuation of MING can be described as very reasonable.
  • MING's Price/Forward Earnings ratio is in line with the industry average.
  • MING's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.19.
Industry RankSector Rank
PE 10.34
Fwd PE 10.31
MING.OL Price Earnings VS Forward Price EarningsMING.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 N/A
EV/EBITDA N/A
MING.OL Per share dataMING.OL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150 200

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)41.58
PEG (5Y)0.63
EPS Next 2Y1.26%
EPS Next 3Y2.12%

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6

5. MING.OL Dividend Analysis

5.1 Amount

  • MING has a Yearly Dividend Yield of 6.50%, which is a nice return.
  • MING's Dividend Yield is rather good when compared to the industry average which is at 4.74. MING pays more dividend than 80.91% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, MING pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.5%

5.2 History

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

5.3 Sustainability

DPN/A
EPS Next 2Y1.26%
EPS Next 3Y2.12%
MING.OL Yearly Income VS Free CF VS DividendMING.OL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B 4B -4B -6B -8B

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MING.OL Fundamentals: All Metrics, Ratios and Statistics

SPAREBANK 1 SMN

OSL:MING (3/27/2026, 7:00:00 PM)

195.1

-12.65 (-6.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-12
Earnings (Next)05-07
Inst Owners34.48%
Inst Owner ChangeN/A
Ins Owners0.31%
Ins Owner ChangeN/A
Market Cap28.14B
Revenue(TTM)9.31B
Net Income(TTM)2.76B
Analysts78.18
Price Target220.83 (13.19%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.5%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.12%
Min EPS beat(2)2.05%
Max EPS beat(2)8.19%
EPS beat(4)3
Avg EPS beat(4)1.64%
Min EPS beat(4)-6.65%
Max EPS beat(4)8.19%
EPS beat(8)6
Avg EPS beat(8)4.98%
EPS beat(12)8
Avg EPS beat(12)2.63%
EPS beat(16)11
Avg EPS beat(16)3.03%
Revenue beat(2)2
Avg Revenue beat(2)1.71%
Min Revenue beat(2)0.26%
Max Revenue beat(2)3.15%
Revenue beat(4)3
Avg Revenue beat(4)0.74%
Min Revenue beat(4)-2.72%
Max Revenue beat(4)3.15%
Revenue beat(8)7
Avg Revenue beat(8)2.56%
Revenue beat(12)8
Avg Revenue beat(12)1.2%
Revenue beat(16)10
Avg Revenue beat(16)5.36%
PT rev (1m)5.59%
PT rev (3m)5.59%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.92%
EPS NY rev (3m)1.54%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.46%
Revenue NY rev (3m)0.46%
Valuation
Industry RankSector Rank
PE 10.34
Fwd PE 10.31
P/S 3.02
P/FCF N/A
P/OCF N/A
P/B 0.9
P/tB 0.94
EV/EBITDA N/A
EPS(TTM)18.87
EY9.67%
EPS(NY)18.92
Fwd EY9.7%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS64.57
BVpS216.09
TBVpS207.42
PEG (NY)41.58
PEG (5Y)0.63
Graham Number302.9
Profitability
Industry RankSector Rank
ROA 1.13%
ROE 8.84%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.59%
GM N/A
FCFM N/A
ROA(3y)1.1%
ROA(5y)0.98%
ROE(3y)8.98%
ROE(5y)8.33%
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 3Y1.93%
PM growth 5Y10.56%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 1.53
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-ScoreN/A
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)-6.58%
EPS 3Y13.75%
EPS 5Y16.3%
EPS Q2Q%-1.93%
EPS Next Y0.25%
EPS Next 2Y1.26%
EPS Next 3Y2.12%
EPS Next 5YN/A
Revenue 1Y (TTM)-19.43%
Revenue growth 3Y16.12%
Revenue growth 5Y7.72%
Sales Q2Q%0.98%
Revenue Next Year1.17%
Revenue Next 2Y2.11%
Revenue Next 3Y3.49%
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 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A

SPAREBANK 1 SMN / MING.OL Fundamental Analysis FAQ

What is the ChartMill fundamental rating of SPAREBANK 1 SMN (MING.OL) stock?

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


What is the valuation status of SPAREBANK 1 SMN (MING.OL) stock?

ChartMill assigns a valuation rating of 3 / 10 to SPAREBANK 1 SMN (MING.OL). This can be considered as Overvalued.


What is the profitability of MING stock?

SPAREBANK 1 SMN (MING.OL) has a profitability rating of 3 / 10.


How financially healthy is SPAREBANK 1 SMN?

The financial health rating of SPAREBANK 1 SMN (MING.OL) is 1 / 10.


What is the expected EPS growth for SPAREBANK 1 SMN (MING.OL) stock?

The Earnings per Share (EPS) of SPAREBANK 1 SMN (MING.OL) is expected to grow by 0.25% in the next year.