SPAREBANK 1 SMN(OSL:MING) stock Fundamental Analysis

Fundamental Rating

Overall MING gets a fundamental rating of 3 out of 10. We evaluated MING against 97 industry peers in the Banks industry. While MING is still in line with the averages on profitability rating, there are concerns on its financial health. MING is valied quite expensively at the moment, while it does show a decent growth rate. Finally MING also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year MING was profitable.

Each year in the past 5 years MING has been profitable.

In multiple years MING reported negative operating cash flow during the last 5 years.

1.2 Ratios

MING has a Return On Assets of 1.45%. This is amongst the best in the industry. MING outperforms 89.69% of its industry peers.

MING's Return On Equity of 12.07% is in line compared to the rest of the industry. MING outperforms 57.73% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.45%
ROE	12.07%
ROIC	N/A

ROA(3y)0.97%

ROA(5y)0.88%

ROE(3y)8.36%

ROE(5y)7.68%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

With an excellent Profit Margin value of 31.03%, MING belongs to the best of the industry, outperforming 80.41% of the companies in the same industry.

In the last couple of years the Profit Margin of MING has grown nicely.

MING does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	31.03%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y7.29%

PM growth 5Y4.66%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

MING does not have a ROIC to compare to the WACC, probably because it is not profitable.

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.

The debt/assets ratio for MING is higher compared to a year ago.

2.2 Solvency

A Debt/Equity ratio of 1.77 is on the high side and indicates that MING has dependencies on debt financing.

MING has a Debt to Equity ratio of 1.77. This is comparable to the rest of the industry: MING outperforms 56.70% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.77
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC3.38%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

MING shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 21.54%, which is quite impressive.

Measured over the past years, MING shows a quite strong growth in Earnings Per Share. The EPS has been growing by 9.16% on average per year.

Looking at the last year, MING shows a very strong growth in Revenue. The Revenue has grown by 23.37%.

The Revenue has been growing slightly by 7.97% on average over the past years.

EPS 1Y (TTM)21.54%

EPS 3Y14.86%

EPS 5Y9.16%

EPS Q2Q%-16.9%

Revenue 1Y (TTM)23.37%

Revenue growth 3Y10.85%

Revenue growth 5Y7.97%

Sales Q2Q%-6.17%

3.2 Future

The Earnings Per Share is expected to decrease by -2.09% on average over the next years.

MING is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.24% yearly.

EPS Next Y-9.12%

EPS Next 2Y-5.2%

EPS Next 3Y-2.09%

EPS Next 5YN/A

Revenue Next Year1.57%

Revenue Next 2Y0.97%

Revenue Next 3Y1.24%

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 9.46, the valuation of MING can be described as very reasonable.

MING's Price/Earnings ratio is in line with the industry average.

MING's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.22.

Based on the Price/Forward Earnings ratio of 10.41, the valuation of MING can be described as reasonable.

MING's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. MING is more expensive than 61.86% of the companies in the same industry.

MING is valuated cheaply when we compare the Price/Forward Earnings ratio to 20.86, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	9.46
Fwd PE	10.41

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

A cheap valuation may be justified as MING's earnings are expected to decrease with -2.09% in the coming years.

PEG (NY)N/A

PEG (5Y)1.03

EPS Next 2Y-5.2%

EPS Next 3Y-2.09%

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5. Dividend

5.1 Amount

MING has a Yearly Dividend Yield of 6.96%, which is a nice return.

Compared to an average industry Dividend Yield of 5.42, MING pays a better dividend. On top of this MING pays more dividend than 80.41% of the companies listed in the same industry.

MING's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.

		Industry Rank	Sector Rank
Dividend Yield	6.96%

5.2 History

The dividend of MING is nicely growing with an annual growth rate of 6.94%!

Dividend Growth(5Y)6.94%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

DP0%

EPS Next 2Y-5.2%

EPS Next 3Y-2.09%

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SPAREBANK 1 SMN

OSL:MING (5/2/2025, 7:00:00 PM)

191.04

+2.9 (+1.54%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-12 2025-02-12/bmo

Earnings (Next)05-08 2025-05-08

Inst Owners34.78%

Inst Owner ChangeN/A

Ins Owners0.3%

Ins Owner ChangeN/A

Market Cap27.55B

Analysts76.92

Price Target184.45 (-3.45%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.96%

Yearly Dividend6.14

Dividend Growth(5Y)6.94%

DP0%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)19.16%

Min EPS beat(2)8.55%

Max EPS beat(2)29.78%

EPS beat(4)3

Avg EPS beat(4)8.31%

Min EPS beat(4)-5.28%

Max EPS beat(4)29.78%

EPS beat(8)5

Avg EPS beat(8)3.12%

EPS beat(12)8

Avg EPS beat(12)3.49%

EPS beat(16)12

Avg EPS beat(16)7.44%

Revenue beat(2)2

Avg Revenue beat(2)4.51%

Min Revenue beat(2)2.76%

Max Revenue beat(2)6.27%

Revenue beat(4)4

Avg Revenue beat(4)4.39%

Min Revenue beat(4)1.74%

Max Revenue beat(4)6.78%

Revenue beat(8)5

Avg Revenue beat(8)1.43%

Revenue beat(12)7

Avg Revenue beat(12)6.9%

Revenue beat(16)10

Avg Revenue beat(16)10.84%

PT rev (1m)1.12%

PT rev (3m)5.65%

EPS NQ rev (1m)0%

EPS NQ rev (3m)N/A

EPS NY rev (1m)0.38%

EPS NY rev (3m)5.54%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0.69%

Revenue NY rev (3m)2.23%

Valuation

		Industry Rank	Sector Rank
PE	9.46
Fwd PE	10.41
P/S	2.38
P/FCF	N/A
P/OCF	N/A
P/B	0.93
P/tB	0.97
EV/EBITDA	N/A

EPS(TTM)20.2

EY10.57%

EPS(NY)18.36

Fwd EY9.61%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS80.13

BVpS205.94

TBVpS197.41

PEG (NY)N/A

PEG (5Y)1.03

Profitability

		Industry Rank	Sector Rank
ROA	1.45%
ROE	12.07%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	31.03%
GM	N/A
FCFM	N/A

ROA(3y)0.97%

ROA(5y)0.88%

ROE(3y)8.36%

ROE(5y)7.68%

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 3Y7.29%

PM growth 5Y4.66%

GM growth 3YN/A

GM growth 5YN/A

F-ScoreN/A

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	1.77
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

WACC3.38%

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)21.54%

EPS 3Y14.86%

EPS 5Y9.16%

EPS Q2Q%-16.9%

EPS Next Y-9.12%

EPS Next 2Y-5.2%

EPS Next 3Y-2.09%

EPS Next 5YN/A

Revenue 1Y (TTM)23.37%

Revenue growth 3Y10.85%

Revenue growth 5Y7.97%

Sales Q2Q%-6.17%

Revenue Next Year1.57%

Revenue Next 2Y0.97%

Revenue Next 3Y1.24%

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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens