SPAREBANK 1 NORD-NORGE(OSL:NONG) stock Fundamental Analysis

Fundamental Rating

NONG gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 97 industry peers in the Banks industry. NONG has a medium profitability rating, but doesn't score so well on its financial health evaluation. NONG has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

In the past year NONG was profitable.

In the past year NONG had a positive cash flow from operations.

NONG had positive earnings in each of the past 5 years.

In the past 5 years NONG always reported a positive cash flow from operatings.

1.2 Ratios

NONG has a better Return On Assets (1.24%) than 80.41% of its industry peers.

With a Return On Equity value of 8.83%, NONG perfoms like the industry average, outperforming 49.48% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.24%
ROE	8.83%
ROIC	N/A

ROA(3y)0.95%

ROA(5y)0.88%

ROE(3y)7.04%

ROE(5y)6.58%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

With a decent Profit Margin value of 24.92%, NONG is doing good in the industry, outperforming 69.07% of the companies in the same industry.

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

NONG 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)	24.92%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y1.44%

PM growth 5Y2.12%

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

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

The number of shares outstanding for NONG remains at a similar level compared to 1 year ago.

The number of shares outstanding for NONG has been increased compared to 5 years ago.

Compared to 1 year ago, NONG has an improved debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of NONG is 6.60, which is on the high side as it means it would take NONG, 6.60 years of fcf income to pay off all of its debts.

Looking at the Debt to FCF ratio, with a value of 6.60, NONG belongs to the top of the industry, outperforming 87.63% of the companies in the same industry.

NONG has a Debt/Equity ratio of 1.24. This is a high value indicating a heavy dependency on external financing.

NONG's Debt to Equity ratio of 1.24 is fine compared to the rest of the industry. NONG outperforms 73.20% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.24
Debt/FCF	6.6
Altman-Z	N/A

ROIC/WACCN/A

WACC3.58%

2.3 Liquidity

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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 44.16% over the past year.

Measured over the past years, NONG shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.67% on average per year.

The Revenue has grown by 22.27% in the past year. This is a very strong growth!

Measured over the past years, NONG shows a quite strong growth in Revenue. The Revenue has been growing by 9.65% on average per year.

EPS 1Y (TTM)44.16%

EPS 3Y16.06%

EPS 5Y11.67%

EPS Q2Q%12.13%

Revenue 1Y (TTM)22.27%

Revenue growth 3Y15.05%

Revenue growth 5Y9.65%

Sales Q2Q%4.9%

3.2 Future

Based on estimates for the next years, NONG will show a decrease in Earnings Per Share. The EPS will decrease by -5.56% on average per year.

The Revenue is expected to decrease by -1.32% on average over the next years.

EPS Next Y-16.21%

EPS Next 2Y-9.55%

EPS Next 3Y-5.56%

EPS Next 5YN/A

Revenue Next Year-3.79%

Revenue Next 2Y-2.21%

Revenue Next 3Y-1.32%

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 8.83, which indicates a very decent valuation of NONG.

Compared to the rest of the industry, the Price/Earnings ratio of NONG is on the same level as its industry peers.

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

The Price/Forward Earnings ratio is 10.54, which indicates a very decent valuation of NONG.

63.92% of the companies in the same industry are cheaper than NONG, based on the Price/Forward Earnings ratio.

When comparing the Price/Forward Earnings ratio of NONG to the average of the S&P500 Index (20.86), we can say NONG is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	8.83
Fwd PE	10.54

4.2 Price Multiples

NONG's Price/Free Cash Flow ratio is rather cheap when compared to the industry. NONG is cheaper than 81.44% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	4.05
EV/EBITDA	N/A

4.3 Compensation for Growth

NONG's earnings are expected to decrease with -5.56% in the coming years. This may justify a cheaper valuation.

PEG (NY)N/A

PEG (5Y)0.76

EPS Next 2Y-9.55%

EPS Next 3Y-5.56%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.31%, NONG is a good candidate for dividend investing.

NONG's Dividend Yield is a higher than the industry average which is at 5.36.

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

		Industry Rank	Sector Rank
Dividend Yield	6.31%

5.2 History

The dividend of NONG is nicely growing with an annual growth rate of 12.24%!

Dividend Growth(5Y)12.24%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

114.86% of the earnings are spent on dividend by NONG. This is not a sustainable payout ratio.

The Dividend Rate of NONG has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.

DP114.86%

EPS Next 2Y-9.55%

EPS Next 3Y-5.56%

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SPAREBANK 1 NORD-NORGE

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

143.9

+5.22 (+3.76%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-13 2025-02-13/bmo

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

Inst Owners37.07%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap14.45B

Analysts72.31

Price Target129.88 (-9.74%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.31%

Yearly Dividend19.25

Dividend Growth(5Y)12.24%

DP114.86%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)57.87%

Min EPS beat(2)37.75%

Max EPS beat(2)78%

EPS beat(4)3

Avg EPS beat(4)27.93%

Min EPS beat(4)-4.5%

Max EPS beat(4)78%

EPS beat(8)4

Avg EPS beat(8)10.28%

EPS beat(12)6

Avg EPS beat(12)12.58%

EPS beat(16)10

Avg EPS beat(16)15.38%

Revenue beat(2)2

Avg Revenue beat(2)13.09%

Min Revenue beat(2)8.82%

Max Revenue beat(2)17.37%

Revenue beat(4)4

Avg Revenue beat(4)6.91%

Min Revenue beat(4)0.68%

Max Revenue beat(4)17.37%

Revenue beat(8)6

Avg Revenue beat(8)3.07%

Revenue beat(12)8

Avg Revenue beat(12)3.28%

Revenue beat(16)12

Avg Revenue beat(16)5.23%

PT rev (1m)1.33%

PT rev (3m)6.56%

EPS NQ rev (1m)-0.1%

EPS NQ rev (3m)N/A

EPS NY rev (1m)0.61%

EPS NY rev (3m)3.06%

Revenue NQ rev (1m)0.88%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0.36%

Revenue NY rev (3m)1.98%

Valuation

		Industry Rank	Sector Rank
PE	8.83
Fwd PE	10.54
P/S	2.14
P/FCF	4.05
P/OCF	3.95
P/B	0.76
P/tB	0.77
EV/EBITDA	N/A

EPS(TTM)16.29

EY11.32%

EPS(NY)13.65

Fwd EY9.49%

FCF(TTM)35.57

FCFY24.72%

OCF(TTM)36.4

OCFY25.3%

SpS67.25

BVpS189.86

TBVpS187.94

PEG (NY)N/A

PEG (5Y)0.76

Profitability

		Industry Rank	Sector Rank
ROA	1.24%
ROE	8.83%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	24.92%
GM	N/A
FCFM	52.89%

ROA(3y)0.95%

ROA(5y)0.88%

ROE(3y)7.04%

ROE(5y)6.58%

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 3Y1.44%

PM growth 5Y2.12%

GM growth 3YN/A

GM growth 5YN/A

F-Score8

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	1.24
Debt/FCF	6.6
Debt/EBITDA	N/A
Cap/Depr	100%
Cap/Sales	1.24%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	212.2%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC3.58%

ROIC/WACCN/A

Cap/Depr(3y)82.31%

Cap/Depr(5y)71.29%

Cap/Sales(3y)1.35%

Cap/Sales(5y)1.36%

Profit Quality(3y)233.76%

Profit Quality(5y)242.6%

High Growth Momentum

Growth

EPS 1Y (TTM)44.16%

EPS 3Y16.06%

EPS 5Y11.67%

EPS Q2Q%12.13%

EPS Next Y-16.21%

EPS Next 2Y-9.55%

EPS Next 3Y-5.56%

EPS Next 5YN/A

Revenue 1Y (TTM)22.27%

Revenue growth 3Y15.05%

Revenue growth 5Y9.65%

Sales Q2Q%4.9%

Revenue Next Year-3.79%

Revenue Next 2Y-2.21%

Revenue Next 3Y-1.32%

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 1Y116.42%

FCF growth 3Y8.72%

FCF growth 5YN/A

OCF growth 1Y112.5%

OCF growth 3Y8.93%

OCF growth 5YN/A

SPAREBANK 1 NORD-NORGE (NONG.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