SPAREBANK 1 NORD-NORGE (NONG.OL) Stock Fundamental Analysis
Europe - OSL:NONG - NO0006000801 - Common Stock
139.04 NOK
-1.88 (-1.33%)
NONG gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 99 industry peers in the Banks industry. While NONG is still in line with the averages on profitability rating, there are concerns on its financial health. NONG has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year NONG was profitable.
NONG had a positive operating cash flow in the past year.
In the past 5 years NONG has always been profitable.
NONG had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With an excellent Return On Assets value of 1.26%, NONG belongs to the best of the industry, outperforming 82.83% of the companies in the same industry.
NONG's Return On Equity of 9.64% is in line compared to the rest of the industry. NONG outperforms 51.52% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.26% | ||
| ROE | 9.64% | ||
| 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
Looking at the Profit Margin, with a value of 25.74%, NONG is in the better half of the industry, outperforming 69.70% of the companies in the same industry.
NONG's Profit Margin has improved in the last couple of years.
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) | 25.74% | ||
| 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
2. Health
2.1 Basic Checks
NONG does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, NONG has about the same amount of shares outstanding.
The number of shares outstanding for NONG has been increased compared to 5 years ago.
NONG has a better debt/assets ratio than last year.
2.2 Solvency
NONG has a debt to FCF ratio of 16.99. This is a negative value and a sign of low solvency as NONG would need 16.99 years to pay back of all of its debts.
The Debt to FCF ratio of NONG (16.99) is better than 78.79% of its industry peers.
A Debt/Equity ratio of 1.30 is on the high side and indicates that NONG has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 1.30, NONG is in the better half of the industry, outperforming 68.69% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.3 | ||
| Debt/FCF | 16.99 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC3.55%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
NONG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 45.33%, which is quite impressive.
NONG shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.67% yearly.
NONG shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 19.10%.
NONG shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.65% yearly.
EPS 1Y (TTM)45.33%
EPS 3Y16.06%
EPS 5Y11.67%
EPS Q2Q%26.51%
Revenue 1Y (TTM)19.1%
Revenue growth 3Y15.05%
Revenue growth 5Y9.65%
Sales Q2Q%13.13%
3.2 Future
Based on estimates for the next years, NONG will show a decrease in Earnings Per Share. The EPS will decrease by -4.25% on average per year.
Based on estimates for the next years, NONG will show a decrease in Revenue. The Revenue will decrease by -0.15% on average per year.
EPS Next Y-11.12%
EPS Next 2Y-7.58%
EPS Next 3Y-4.25%
EPS Next 5YN/A
Revenue Next Year-2.15%
Revenue Next 2Y-1.53%
Revenue Next 3Y-0.15%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 7.90, which indicates a rather cheap valuation of NONG.
Compared to the rest of the industry, the Price/Earnings ratio of NONG indicates a rather cheap valuation: NONG is cheaper than 83.84% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.67. NONG is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 9.99, the valuation of NONG can be described as very reasonable.
NONG's Price/Forward Earnings ratio is in line with the industry average.
NONG is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.33, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.9 | ||
| Fwd PE | 9.99 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, NONG is valued a bit cheaper than the industry average as 73.74% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.63 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as NONG's earnings are expected to decrease with -4.25% in the coming years.
PEG (NY)N/A
PEG (5Y)0.68
EPS Next 2Y-7.58%
EPS Next 3Y-4.25%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.19%, NONG is a good candidate for dividend investing.
NONG's Dividend Yield is a higher than the industry average which is at 4.86.
NONG's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.19% |
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
120.61% 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.
DP120.61%
EPS Next 2Y-7.58%
EPS Next 3Y-4.25%
OSL:NONG (10/23/2025, 7:00:00 PM)
139.04
-1.88 (-1.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners37.65%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap13.96B
Revenue(TTM)7.07B
Net Income(TTM)1.82B
Analysts46.15
Price Target141.53 (1.79%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.19% |
Yearly Dividend19.25
Dividend Growth(5Y)12.24%
DP120.61%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.23%
Min EPS beat(2)6.82%
Max EPS beat(2)11.65%
EPS beat(4)4
Avg EPS beat(4)33.55%
Min EPS beat(4)6.82%
Max EPS beat(4)78%
EPS beat(8)5
Avg EPS beat(8)11.91%
EPS beat(12)8
Avg EPS beat(12)16.68%
EPS beat(16)10
Avg EPS beat(16)13.02%
Revenue beat(2)2
Avg Revenue beat(2)5.1%
Min Revenue beat(2)4.64%
Max Revenue beat(2)5.56%
Revenue beat(4)4
Avg Revenue beat(4)9.1%
Min Revenue beat(4)4.64%
Max Revenue beat(4)17.37%
Revenue beat(8)7
Avg Revenue beat(8)4.34%
Revenue beat(12)9
Avg Revenue beat(12)4.29%
Revenue beat(16)12
Avg Revenue beat(16)4.71%
PT rev (1m)0%
PT rev (3m)-1.03%
EPS NQ rev (1m)-2.85%
EPS NQ rev (3m)-16.72%
EPS NY rev (1m)2.17%
EPS NY rev (3m)6.08%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.53%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.9 | ||
| Fwd PE | 9.99 | ||
| P/S | 1.98 | ||
| P/FCF | 9.63 | ||
| P/OCF | 8.54 | ||
| P/B | 0.74 | ||
| P/tB | 0.75 | ||
| EV/EBITDA | N/A |
EPS(TTM)17.6
EY12.66%
EPS(NY)13.92
Fwd EY10.01%
FCF(TTM)14.43
FCFY10.38%
OCF(TTM)16.27
OCFY11.71%
SpS70.37
BVpS187.94
TBVpS186.02
PEG (NY)N/A
PEG (5Y)0.68
Graham Number272.81
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.26% | ||
| ROE | 9.64% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.74% | ||
| GM | N/A | ||
| FCFM | 20.51% |
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
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 3Y1.44%
PM growth 5Y2.12%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.3 | ||
| Debt/FCF | 16.99 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 220.24% | ||
| Cap/Sales | 2.62% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 79.69% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC3.55%
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)45.33%
EPS 3Y16.06%
EPS 5Y11.67%
EPS Q2Q%26.51%
EPS Next Y-11.12%
EPS Next 2Y-7.58%
EPS Next 3Y-4.25%
EPS Next 5YN/A
Revenue 1Y (TTM)19.1%
Revenue growth 3Y15.05%
Revenue growth 5Y9.65%
Sales Q2Q%13.13%
Revenue Next Year-2.15%
Revenue Next 2Y-1.53%
Revenue Next 3Y-0.15%
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 1Y31.49%
FCF growth 3Y8.72%
FCF growth 5YN/A
OCF growth 1Y40.5%
OCF growth 3Y8.93%
OCF growth 5YN/A