SPAREBANK 1 NORD-NORGE (NONG.OL) Stock Fundamental Analysis
OSL:NONG - Euronext Oslo - NO0006000801 - Common Stock - Currency: NOK
Overall NONG gets a fundamental rating of 4 out of 10. We evaluated NONG against 92 industry peers in the Banks industry. NONG has a medium profitability rating, but doesn't score so well on its financial health evaluation. NONG is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
NONG had positive earnings in the past year.
NONG had a positive operating cash flow in the past year.
In the past 5 years NONG has always been profitable.
In the past 5 years NONG always reported a positive cash flow from operatings.
1.2 Ratios
NONG has a Return On Assets of 1.24%. This is amongst the best in the industry. NONG outperforms 81.52% of its industry peers.
NONG has a Return On Equity (8.83%) which is in line with its industry peers.
| 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
Looking at the Profit Margin, with a value of 24.92%, NONG is in the better half of the industry, outperforming 67.39% of the companies in the same industry.
In the last couple of years the Profit Margin of NONG has grown nicely.
The Operating Margin and Gross Margin are not available for NONG so they could not be analyzed.
| 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
2. Health
2.1 Basic Checks
NONG does not have a ROIC to compare to the WACC, probably because it is not profitable.
NONG has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, NONG has more shares outstanding
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.
NONG has a better Debt to FCF ratio (6.60) than 90.22% of its industry peers.
NONG has a Debt/Equity ratio of 1.24. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of NONG (1.24) is better than 70.65% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.24 | ||
| Debt/FCF | 6.6 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC3.51%
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 49.29% 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 25.11% in the past year. This is a very strong growth!
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)49.29%
EPS 3Y16.06%
EPS 5Y11.67%
EPS Q2Q%13.69%
Revenue 1Y (TTM)25.11%
Revenue growth 3Y15.05%
Revenue growth 5Y9.65%
Sales Q2Q%8.13%
3.2 Future
Based on estimates for the next years, NONG will show a decrease in Earnings Per Share. The EPS will decrease by -5.56% on average per year.
NONG is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.89% yearly.
EPS Next Y-16.21%
EPS Next 2Y-9.55%
EPS Next 3Y-5.56%
EPS Next 5YN/A
Revenue Next Year-3.37%
Revenue Next 2Y-1.74%
Revenue Next 3Y-0.89%
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.
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 8.63, which indicates a very decent valuation of NONG.
Compared to the rest of the industry, the Price/Earnings ratio of NONG indicates a somewhat cheap valuation: NONG is cheaper than 64.13% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of NONG to the average of the S&P500 Index (26.20), we can say NONG is valued rather cheaply.
The Price/Forward Earnings ratio is 10.83, which indicates a very decent valuation of NONG.
64.13% of the companies in the same industry are cheaper than NONG, based on the Price/Forward Earnings ratio.
NONG is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.13, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.63 | ||
| Fwd PE | 10.83 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, NONG is valued cheaper than 84.78% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.06 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as NONG's earnings are expected to decrease with -5.56% in the coming years.
PEG (NY)N/A
PEG (5Y)0.74
EPS Next 2Y-9.55%
EPS Next 3Y-5.56%
5. Dividend
5.1 Amount
NONG has a Yearly Dividend Yield of 5.88%, which is a nice return.
Compared to an average industry Dividend Yield of 5.03, NONG pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.40, NONG pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.88% |
5.2 History
On average, the dividend of NONG grows each year by 12.24%, which is quite nice.
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%
OSL:NONG (5/28/2025, 7:00:00 PM)
144.26
-1.06 (-0.73%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners37.07%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap14.48B
Analysts72.31
Price Target130.05 (-9.85%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.88% |
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)0.13%
PT rev (3m)2.41%
EPS NQ rev (1m)-0.1%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)1.63%
Revenue NQ rev (1m)0.88%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.44%
Revenue NY rev (3m)1.97%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.63 | ||
| Fwd PE | 10.83 | ||
| P/S | 2.15 | ||
| P/FCF | 4.06 | ||
| P/OCF | 3.96 | ||
| P/B | 0.76 | ||
| P/tB | 0.77 | ||
| EV/EBITDA | N/A |
EPS(TTM)16.72
EY11.59%
EPS(NY)13.33
Fwd EY9.24%
FCF(TTM)35.57
FCFY24.66%
OCF(TTM)36.4
OCFY25.24%
SpS67.25
BVpS189.86
TBVpS187.94
PEG (NY)N/A
PEG (5Y)0.74
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
WACC3.51%
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)49.29%
EPS 3Y16.06%
EPS 5Y11.67%
EPS Q2Q%13.69%
EPS Next Y-16.21%
EPS Next 2Y-9.55%
EPS Next 3Y-5.56%
EPS Next 5YN/A
Revenue 1Y (TTM)25.11%
Revenue growth 3Y15.05%
Revenue growth 5Y9.65%
Sales Q2Q%8.13%
Revenue Next Year-3.37%
Revenue Next 2Y-1.74%
Revenue Next 3Y-0.89%
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