MORROW BANK ASA (MOBA.OL) Stock Fundamental Analysis
Europe - OSL:MOBA - NO0010694029 - Common Stock
13.35 NOK
-0.2 (-1.48%)
MOBA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 97 industry peers in the Banks industry. MOBA may be in some trouble as it scores bad on both profitability and health. MOBA has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year MOBA was profitable.
In the past year MOBA has reported a negative cash flow from operations.
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
With an excellent Return On Assets value of 1.24%, MOBA belongs to the best of the industry, outperforming 81.44% of the companies in the same industry.
With a Return On Equity value of 8.84%, MOBA perfoms like the industry average, outperforming 44.33% of the companies in the same industry.
| 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
MOBA has a worse Profit Margin (16.76%) than 69.07% of its industry peers.
In the last couple of years the Profit Margin of MOBA has remained more or less at the same level.
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.
The number of shares outstanding for MOBA has been increased compared to 5 years ago.
2.2 Solvency
A Debt/Equity ratio of 0.10 indicates that MOBA is not too dependend on debt financing.
MOBA's Debt to Equity ratio of 0.10 is amongst the best of the industry. MOBA outperforms 89.69% of its industry peers.
| 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
MOBA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 55.56%, which is quite impressive.
MOBA shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -5.00% yearly.
Looking at the last year, MOBA shows a quite strong growth in Revenue. The Revenue has grown by 16.12% in the last year.
MOBA shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.13% yearly.
EPS 1Y (TTM)55.56%
EPS 3YN/A
EPS 5Y-5%
EPS Q2Q%40%
Revenue 1Y (TTM)16.12%
Revenue growth 3Y11%
Revenue growth 5Y-0.13%
Sales Q2Q%14.61%
3.2 Future
Based on estimates for the next years, MOBA will show a very strong growth in Earnings Per Share. The EPS will grow by 23.93% on average per year.
MOBA is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.51% yearly.
EPS Next Y33.1%
EPS Next 2Y31.02%
EPS Next 3Y23.93%
EPS Next 5YN/A
Revenue Next Year10.87%
Revenue Next 2Y10.2%
Revenue Next 3Y9.51%
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 accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
MOBA is valuated correctly with a Price/Earnings ratio of 13.62.
MOBA's Price/Earnings ratio is a bit more expensive when compared to the industry. MOBA is more expensive than 78.35% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.19. MOBA is valued slightly cheaper when compared to this.
MOBA is valuated reasonably with a Price/Forward Earnings ratio of 9.48.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MOBA indicates a somewhat cheap valuation: MOBA is cheaper than 64.95% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.50, MOBA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.62 | ||
| 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 23.93% in the coming years.
PEG (NY)0.41
PEG (5Y)N/A
EPS Next 2Y31.02%
EPS Next 3Y23.93%
5. Dividend
5.1 Amount
MOBA has a Yearly Dividend Yield of 2.85%. Purely for dividend investing, there may be better candidates out there.
MOBA's Dividend Yield is slightly below the industry average, which is at 4.83.
MOBA's Dividend Yield is a higher than the S&P500 average which is at 2.33.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.85% |
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 2Y31.02%
EPS Next 3Y23.93%
OSL:MOBA (10/31/2025, 4:11:31 PM)
13.35
-0.2 (-1.48%)
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 Cap3.09B
Revenue(TTM)1.36B
Net Income(TTM)227.80M
Analysts82.5
Price Target17.6 (31.84%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.85% |
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)0%
PT rev (3m)15.77%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-13.33%
EPS NY rev (1m)0%
EPS NY rev (3m)-13.01%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.65%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.14%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.62 | ||
| Fwd PE | 9.48 | ||
| P/S | 2.27 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.2 | ||
| P/tB | 1.23 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.98
EY7.34%
EPS(NY)1.41
Fwd EY10.54%
FCF(TTM)-4.22
FCFYN/A
OCF(TTM)-4.03
OCFYN/A
SpS5.88
BVpS11.14
TBVpS10.83
PEG (NY)0.41
PEG (5Y)N/A
Graham Number15.67
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)55.56%
EPS 3YN/A
EPS 5Y-5%
EPS Q2Q%40%
EPS Next Y33.1%
EPS Next 2Y31.02%
EPS Next 3Y23.93%
EPS Next 5YN/A
Revenue 1Y (TTM)16.12%
Revenue growth 3Y11%
Revenue growth 5Y-0.13%
Sales Q2Q%14.61%
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 4 / 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 13.62 and the Price/Book (PB) ratio is 1.2.
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.