SPAREBANK 1 SMN (MING.OL) Stock Fundamental Analysis
OSL:MING • NO0006390301
208 NOK
-4.65 (-2.19%)
Last: Mar 3, 2026, 04:19 PM
We assign a fundamental rating of 3 out of 10 to MING. MING was compared to 106 industry peers in the Banks industry. MING has a bad profitability rating. Also its financial health evaluation is rather negative. MING has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
- MING had positive earnings in the past year.
- Each year in the past 5 years MING has been profitable.
- In the past 5 years MING reported 4 times negative operating cash flow.
1.2 Ratios
- The Return On Assets of MING (1.27%) is better than 82.08% of its industry peers.
- The Return On Equity of MING (9.89%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.27% | ||
| ROE | 9.89% | ||
| ROIC | N/A |
ROA(3y)1.11%
ROA(5y)0.99%
ROE(3y)9.06%
ROE(5y)8.38%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- The Profit Margin of MING (33.10%) is better than 80.19% of its industry peers.
- MING's Profit Margin has improved in the last couple of years.
- The Operating Margin and Gross Margin are not available for MING so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 33.1% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.92%
PM growth 5Y10.56%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- The number of shares outstanding for MING remains at a similar level compared to 1 year ago.
- MING has more shares outstanding than it did 5 years ago.
- MING has a better debt/assets ratio than last year.
2.2 Solvency
- A Debt/Equity ratio of 1.52 is on the high side and indicates that MING has dependencies on debt financing.
- With a Debt to Equity ratio value of 1.52, MING perfoms like the industry average, outperforming 56.60% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.52 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- MING shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.58%.
- Measured over the past years, MING shows a quite strong growth in Earnings Per Share. The EPS has been growing by 16.30% on average per year.
- MING shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -19.43%.
- MING shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.72% yearly.
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 1.27% on average per year.
- MING is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.09% yearly.
EPS Next Y-0.66%
EPS Next 2Y1.27%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.9%
Revenue Next 2Y2.09%
Revenue Next 3YN/A
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.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 11.02 indicates a reasonable valuation of MING.
- MING's Price/Earnings is on the same level as the industry average.
- MING's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.13.
- A Price/Forward Earnings ratio of 11.10 indicates a reasonable valuation of MING.
- MING's Price/Forward Earnings is on the same level as the industry average.
- Compared to an average S&P500 Price/Forward Earnings ratio of 28.11, MING is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.02 | ||
| Fwd PE | 11.1 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.68
EPS Next 2Y1.27%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- MING has a Yearly Dividend Yield of 6.36%, which is a nice return.
- MING's Dividend Yield is rather good when compared to the industry average which is at 4.33. MING pays more dividend than 85.85% of the companies in the same industry.
- MING's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.36% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
DPN/A
EPS Next 2Y1.27%
EPS Next 3YN/A
OSL:MING (3/3/2026, 4:19:55 PM)
208
-4.65 (-2.19%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-12 2026-02-12/bmo
Earnings (Next)05-07 2026-05-07
Inst Owners34.33%
Inst Owner ChangeN/A
Ins Owners0.31%
Ins Owner ChangeN/A
Market Cap30.00B
Revenue(TTM)9.31B
Net Income(TTM)3.08B
Analysts76
Price Target216.75 (4.21%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.36% |
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%
EPS NY rev (3m)0.84%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.19%
Revenue NY rev (3m)-1.58%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.02 | ||
| Fwd PE | 11.1 | ||
| P/S | 3.22 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.96 | ||
| P/tB | 1 | ||
| EV/EBITDA | N/A |
EPS(TTM)18.87
EY9.07%
EPS(NY)18.75
Fwd EY9.01%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS64.57
BVpS216.09
TBVpS207.42
PEG (NY)N/A
PEG (5Y)0.68
Graham Number302.9
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.27% | ||
| ROE | 9.89% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 33.1% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)1.11%
ROA(5y)0.99%
ROE(3y)9.06%
ROE(5y)8.38%
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 3Y1.92%
PM growth 5Y10.56%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.52 | ||
| 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 Y-0.66%
EPS Next 2Y1.27%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-19.43%
Revenue growth 3Y16.12%
Revenue growth 5Y7.72%
Sales Q2Q%0.98%
Revenue Next Year0.9%
Revenue Next 2Y2.09%
Revenue Next 3YN/A
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 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 decline by -0.66% in the next year.