NONG Fundamental Analysis - SPAREBANK 1 NORD-NORGE

Fundamental Rating

NONG gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 89 industry peers in the Banks industry. There are concerns on the financial health of NONG while its profitability can be described as average. NONG has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

In the past year NONG was profitable.

NONG had a positive operating cash flow in the past year.

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

Each year in the past 5 years NONG had a positive operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of 1.26%, NONG belongs to the top of the industry, outperforming 84.27% of the companies in the same industry.

The Return On Equity of NONG (9.64%) is comparable to the rest of the industry.

		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

NONG has a Profit Margin of 25.74%. This is in the better half of the industry: NONG outperforms 71.91% of its industry peers.

NONG's Profit Margin has improved in the last couple of years.

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)	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

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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.

Compared to 1 year ago, NONG has about the same amount of shares outstanding.

Compared to 5 years ago, NONG has more shares outstanding

The debt/assets ratio for NONG has been reduced compared to a year ago.

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.

NONG has a Debt to FCF ratio of 16.99. This is in the better half of the industry: NONG outperforms 78.65% of its industry peers.

NONG has a Debt/Equity ratio of 1.30. This is a high value indicating a heavy dependency on external financing.

NONG has a better Debt to Equity ratio (1.30) than 66.29% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.3
Debt/FCF	16.99
Altman-Z	N/A

ROIC/WACCN/A

WACC3.43%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 45.33% 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.

Looking at the last year, NONG shows a quite strong growth in Revenue. The Revenue has grown by 19.10% in the last year.

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

The Earnings Per Share is expected to decrease by -4.84% on average over the next years.

The Revenue is expected to decrease by -0.09% on average over the next years.

EPS Next Y-13%

EPS Next 2Y-7.94%

EPS Next 3Y-4.84%

EPS Next 5YN/A

Revenue Next Year-1.99%

Revenue Next 2Y-1.33%

Revenue Next 3Y-0.09%

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.

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4. Valuation

4.1 Price/Earnings Ratio

NONG is valuated cheaply with a Price/Earnings ratio of 7.84.

Based on the Price/Earnings ratio, NONG is valued cheaper than 80.90% of the companies in the same industry.

NONG is valuated cheaply when we compare the Price/Earnings ratio to 27.03, which is the current average of the S&P500 Index.

NONG is valuated reasonably with a Price/Forward Earnings ratio of 9.99.

The rest of the industry has a similar Price/Forward Earnings ratio as NONG.

When comparing the Price/Forward Earnings ratio of NONG to the average of the S&P500 Index (22.54), we can say NONG is valued rather cheaply.

		Industry Rank	Sector Rank
PE	7.84
Fwd PE	9.99

4.2 Price Multiples

74.16% of the companies in the same industry are more expensive than NONG, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	9.56
EV/EBITDA	N/A

4.3 Compensation for Growth

NONG's earnings are expected to decrease with -4.84% in the coming years. This may justify a cheaper valuation.

PEG (NY)N/A

PEG (5Y)0.67

EPS Next 2Y-7.94%

EPS Next 3Y-4.84%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.40%, NONG is a good candidate for dividend investing.

NONG's Dividend Yield is a higher than the industry average which is at 5.09.

NONG's Dividend Yield is rather good when compared to the S&P500 average which is at 2.45.

		Industry Rank	Sector Rank
Dividend Yield	6.4%

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

NONG pays out 120.61% of its income as dividend. This is not a sustainable payout ratio.

NONG's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.

DP120.61%

EPS Next 2Y-7.94%

EPS Next 3Y-4.84%

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SPAREBANK 1 NORD-NORGE

OSL:NONG (9/11/2025, 12:17:41 PM)

137.96

+0.27 (+0.2%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)08-07 2025-08-07/bmo

Earnings (Next)10-29 2025-10-29

Inst Owners38.64%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap13.85B

Analysts43.08

Price Target142.04 (2.96%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.4%

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)-0.68%

PT rev (3m)9.22%

EPS NQ rev (1m)-14.22%

EPS NQ rev (3m)N/A

EPS NY rev (1m)3.83%

EPS NY rev (3m)3.83%

Revenue NQ rev (1m)-2.25%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)-0.1%

Revenue NY rev (3m)1.43%

Valuation

		Industry Rank	Sector Rank
PE	7.84
Fwd PE	9.99
P/S	1.96
P/FCF	9.56
P/OCF	8.48
P/B	0.73
P/tB	0.74
EV/EBITDA	N/A

EPS(TTM)17.6

EY12.76%

EPS(NY)13.8

Fwd EY10.01%

FCF(TTM)14.43

FCFY10.46%

OCF(TTM)16.27

OCFY11.8%

SpS70.37

BVpS187.94

TBVpS186.02

PEG (NY)N/A

PEG (5Y)0.67

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

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-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

WACC3.43%

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-13%

EPS Next 2Y-7.94%

EPS Next 3Y-4.84%

EPS Next 5YN/A

Revenue 1Y (TTM)19.1%

Revenue growth 3Y15.05%

Revenue growth 5Y9.65%

Sales Q2Q%13.13%

Revenue Next Year-1.99%

Revenue Next 2Y-1.33%

Revenue Next 3Y-0.09%

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

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

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