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

OSL:MING • NO0006390301

Current stock price

206.8 NOK
+1.45 (+0.71%)
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

  • In the past year MING was profitable.
  • MING had positive earnings in each of the past 5 years.
  • In the past 5 years MING reported 4 times negative operating cash flow.
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 71.70% of its industry peers.
  • With a Return On Equity value of 8.84%, MING perfoms like the industry average, outperforming 44.34% of the companies in the same 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

  • With a decent Profit Margin value of 29.59%, MING is doing good in the industry, outperforming 74.53% of the companies in the same industry.
  • In the last couple of years the Profit Margin of MING has grown nicely.
  • The Operating Margin and Gross Margin are not available for MING so they could not be analyzed.
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

  • Compared to 1 year ago, MING has about the same amount of shares outstanding.
  • The number of shares outstanding for MING has been increased compared to 5 years ago.
  • MING has a better debt/assets ratio than last year.
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

  • A Debt/Equity ratio of 1.53 is on the high side and indicates that MING has dependencies on debt financing.
  • MING's Debt to Equity ratio of 1.53 is in line compared to the rest of the industry. MING outperforms 55.66% of its industry peers.
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. MING.OL Growth Analysis

3.1 Past

  • MING shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.58%.
  • 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%.
  • 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 4.03% on average per year.
  • The Revenue is expected to grow by 1.29% on average over the next years.
EPS Next Y-0.26%
EPS Next 2Y1.96%
EPS Next 3Y4.03%
EPS Next 5YN/A
Revenue Next Year0.96%
Revenue Next 2Y2.08%
Revenue Next 3Y1.29%
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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
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

  • A Price/Earnings ratio of 10.96 indicates a reasonable valuation of MING.
  • 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 (27.42), we can say MING is valued rather cheaply.
  • MING is valuated reasonably with a Price/Forward Earnings ratio of 10.99.
  • MING's Price/Forward Earnings is on the same level as the industry average.
  • MING's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.24.
Industry RankSector Rank
PE 10.96
Fwd PE 10.99
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 25

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

PEG (NY)N/A
PEG (5Y)0.67
EPS Next 2Y1.96%
EPS Next 3Y4.03%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. MING.OL Dividend Analysis

5.1 Amount

  • MING has a Yearly Dividend Yield of 6.37%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.47, MING pays a better dividend. On top of this MING pays more dividend than 81.13% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.81, MING pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.37%

5.2 History

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

5.3 Sustainability

DPN/A
EPS Next 2Y1.96%
EPS Next 3Y4.03%
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 (4/24/2026, 7:00:00 PM)

206.8

+1.45 (+0.71%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-12
Earnings (Next)05-07
Inst Owners33.46%
Inst Owner ChangeN/A
Ins Owners0.31%
Ins Owner ChangeN/A
Market Cap29.82B
Revenue(TTM)9.31B
Net Income(TTM)2.76B
Analysts78.18
Price Target220.83 (6.78%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.37%
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)1.88%
PT rev (3m)7.58%
EPS NQ rev (1m)1.91%
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.51%
EPS NY rev (3m)0.41%
Revenue NQ rev (1m)-6.36%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.21%
Revenue NY rev (3m)0.25%
Valuation
Industry RankSector Rank
PE 10.96
Fwd PE 10.99
P/S 3.2
P/FCF N/A
P/OCF N/A
P/B 0.96
P/tB 1
EV/EBITDA N/A
EPS(TTM)18.87
EY9.12%
EPS(NY)18.82
Fwd EY9.1%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS64.57
BVpS216.09
TBVpS207.42
PEG (NY)N/A
PEG (5Y)0.67
Graham Number302.899 (46.47%)
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 Y-0.26%
EPS Next 2Y1.96%
EPS Next 3Y4.03%
EPS Next 5YN/A
Revenue 1Y (TTM)-19.43%
Revenue growth 3Y16.12%
Revenue growth 5Y7.72%
Sales Q2Q%0.98%
Revenue Next Year0.96%
Revenue Next 2Y2.08%
Revenue Next 3Y1.29%
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.


Can you provide the profitability details for SPAREBANK 1 SMN?

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


What are the PE and PB ratios of SPAREBANK 1 SMN (MING.OL) stock?

The Price/Earnings (PE) ratio for SPAREBANK 1 SMN (MING.OL) is 10.96 and the Price/Book (PB) ratio is 0.96.


What is the earnings growth outlook for SPAREBANK 1 SMN?

The Earnings per Share (EPS) of SPAREBANK 1 SMN (MING.OL) is expected to decline by -0.26% in the next year.