MORROW BANK ASA (MOBA.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:MOBA - NO0010694029 - Common Stock
13.2 NOK
+0.1 (+0.76%)
Overall MOBA gets a fundamental rating of 3 out of 10. We evaluated MOBA against 108 industry peers in the Banks industry. MOBA has a bad profitability rating. Also its financial health evaluation is rather negative. MOBA is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
MOBA had positive earnings in the past year.
MOBA had a negative operating cash flow in the past year.
In multiple years MOBA reported negative net income over the last 5 years.
MOBA had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.24%, MOBA belongs to the top of the industry, outperforming 84.26% of the companies in the same industry.
The Return On Equity of MOBA (8.84%) is worse than 62.04% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.24% | ||
| ROE | 8.84% | ||
| ROIC | N/A |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 16.76%, MOBA is doing worse than 70.37% of the companies in the same industry.
MOBA's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for MOBA so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 16.76% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5Y-1.25%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
MOBA does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 5 years ago, MOBA has more shares outstanding
2.2 Solvency
A Debt/Equity ratio of 0.10 indicates that MOBA is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.10, MOBA belongs to the top of the industry, outperforming 91.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.37%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 49.30% over the past year.
MOBA shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -5.00% yearly.
The Revenue has grown by 18.14% in the past year. This is quite good.
The Revenue has been decreasing by -0.13% on average over the past years.
EPS 1Y (TTM)49.3%
EPS 3YN/A
EPS 5Y-5%
EPS Q2Q%38.1%
Revenue 1Y (TTM)18.14%
Revenue growth 3Y11%
Revenue growth 5Y-0.13%
Sales Q2Q%10.24%
3.2 Future
MOBA is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 23.79% yearly.
The Revenue is expected to grow by 9.51% on average over the next years. This is quite good.
EPS Next Y31.23%
EPS Next 2Y30.3%
EPS Next 3Y23.79%
EPS Next 5YN/A
Revenue Next Year10.87%
Revenue Next 2Y10.2%
Revenue Next 3Y9.51%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 12.45, MOBA is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of MOBA indicates a slightly more expensive valuation: MOBA is more expensive than 75.00% of the companies listed in the same industry.
MOBA is valuated cheaply when we compare the Price/Earnings ratio to 26.15, which is the current average of the S&P500 Index.
MOBA is valuated reasonably with a Price/Forward Earnings ratio of 9.48.
MOBA's Price/Forward Earnings ratio is rather cheap when compared to the industry. MOBA is cheaper than 80.56% of the companies in the same industry.
MOBA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.12.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.45 | ||
| Fwd PE | 9.48 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as MOBA's earnings are expected to grow with 23.79% in the coming years.
PEG (NY)0.4
PEG (5Y)N/A
EPS Next 2Y30.3%
EPS Next 3Y23.79%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.03%, MOBA has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.85, MOBA is paying slightly less dividend.
MOBA's Dividend Yield is a higher than the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.03% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
40.52% of the earnings are spent on dividend by MOBA. This is a bit on the high side, but may be sustainable.
DP40.52%
EPS Next 2Y30.3%
EPS Next 3Y23.79%
OSL:MOBA (11/27/2025, 7:00:00 PM)
13.2
+0.1 (+0.76%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners12.05%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap3.05B
Revenue(TTM)1.28B
Net Income(TTM)227.80M
Analysts82.5
Price Target18.36 (39.09%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.03% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP40.52%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.84%
Min EPS beat(2)-15.48%
Max EPS beat(2)9.8%
EPS beat(4)2
Avg EPS beat(4)6.74%
Min EPS beat(4)-15.48%
Max EPS beat(4)47.06%
EPS beat(8)6
Avg EPS beat(8)12.8%
EPS beat(12)8
Avg EPS beat(12)-9.74%
EPS beat(16)8
Avg EPS beat(16)-34.93%
Revenue beat(2)0
Avg Revenue beat(2)-0.78%
Min Revenue beat(2)-1.1%
Max Revenue beat(2)-0.45%
Revenue beat(4)1
Avg Revenue beat(4)0.93%
Min Revenue beat(4)-2.95%
Max Revenue beat(4)8.21%
Revenue beat(8)4
Avg Revenue beat(8)1.87%
Revenue beat(12)8
Avg Revenue beat(12)3.4%
Revenue beat(16)9
Avg Revenue beat(16)2.83%
PT rev (1m)4.35%
PT rev (3m)5.88%
EPS NQ rev (1m)1.92%
EPS NQ rev (3m)-10.17%
EPS NY rev (1m)-1.4%
EPS NY rev (3m)-5.38%
Revenue NQ rev (1m)0.7%
Revenue NQ rev (3m)-1.51%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.75%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.45 | ||
| Fwd PE | 9.48 | ||
| P/S | 2.25 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.19 | ||
| P/tB | 1.22 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.06
EY8.03%
EPS(NY)1.39
Fwd EY10.55%
FCF(TTM)-4.22
FCFYN/A
OCF(TTM)-4.03
OCFYN/A
SpS5.88
BVpS11.14
TBVpS10.83
PEG (NY)0.4
PEG (5Y)N/A
Graham Number16.3
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.24% | ||
| ROE | 8.84% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 16.76% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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 3YN/A
PM growth 5Y-1.25%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.07
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 96.19% | ||
| Cap/Sales | 3.35% | ||
| 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-Score3
WACC8.37%
ROIC/WACCN/A
Cap/Depr(3y)94.9%
Cap/Depr(5y)97.75%
Cap/Sales(3y)5.08%
Cap/Sales(5y)6%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)49.3%
EPS 3YN/A
EPS 5Y-5%
EPS Q2Q%38.1%
EPS Next Y31.23%
EPS Next 2Y30.3%
EPS Next 3Y23.79%
EPS Next 5YN/A
Revenue 1Y (TTM)18.14%
Revenue growth 3Y11%
Revenue growth 5Y-0.13%
Sales Q2Q%10.24%
Revenue Next Year10.87%
Revenue Next 2Y10.2%
Revenue Next 3Y9.51%
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 1Y-92.63%
FCF growth 3Y16.62%
FCF growth 5YN/A
OCF growth 1Y-99.34%
OCF growth 3Y11.16%
OCF growth 5YN/A
MORROW BANK ASA / MOBA.OL FAQ
What is the fundamental rating for MOBA stock?
ChartMill assigns a fundamental rating of 3 / 10 to MOBA.OL.
What is the valuation status of MORROW BANK ASA (MOBA.OL) stock?
ChartMill assigns a valuation rating of 5 / 10 to MORROW BANK ASA (MOBA.OL). This can be considered as Fairly Valued.
Can you provide the profitability details for MORROW BANK ASA?
MORROW BANK ASA (MOBA.OL) has a profitability rating of 2 / 10.
What is the valuation of MORROW BANK ASA based on its PE and PB ratios?
The Price/Earnings (PE) ratio for MORROW BANK ASA (MOBA.OL) is 12.45 and the Price/Book (PB) ratio is 1.19.
What is the financial health of MORROW BANK ASA (MOBA.OL) stock?
The financial health rating of MORROW BANK ASA (MOBA.OL) is 1 / 10.