SPAREBANK 1 NORD-NORGE (NONG.OL) Fundamental Analysis & Valuation

OSL:NONG • NO0006000801

Current stock price

158.8 NOK
+1.32 (+0.84%)
Last:

This NONG.OL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. NONG.OL Profitability Analysis

1.1 Basic Checks

  • NONG had positive earnings in the past year.
  • NONG had a positive operating cash flow in the past year.
  • NONG had positive earnings in each of the past 5 years.
  • NONG had a positive operating cash flow in each of the past 5 years.
NONG.OL Yearly Net Income VS EBIT VS OCF VS FCFNONG.OL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B

1.2 Ratios

  • The Return On Assets of NONG (1.10%) is better than 66.38% of its industry peers.
  • Looking at the Return On Equity, with a value of 7.73%, NONG is doing worse than 65.52% of the companies in the same industry.
Industry RankSector Rank
ROA 1.1%
ROE 7.73%
ROIC N/A
ROA(3y)1.08%
ROA(5y)0.97%
ROE(3y)7.82%
ROE(5y)7.05%
ROIC(3y)N/A
ROIC(5y)N/A
NONG.OL Yearly ROA, ROE, ROICNONG.OL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • NONG has a Profit Margin of 24.16%. This is comparable to the rest of the industry: NONG outperforms 49.14% of its industry peers.
  • 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 RankSector Rank
OM N/A
PM (TTM) 24.16%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y5.95%
PM growth 5Y4.38%
GM growth 3YN/A
GM growth 5YN/A
NONG.OL Yearly Profit, Operating, Gross MarginsNONG.OL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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2

2. NONG.OL Health Analysis

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.
  • Compared to 5 years ago, NONG has more shares outstanding
  • NONG has a better debt/assets ratio than last year.
NONG.OL Yearly Shares OutstandingNONG.OL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
NONG.OL Yearly Total Debt VS Total AssetsNONG.OL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B

2.2 Solvency

  • The Debt to FCF ratio of NONG is 11.63, which is on the high side as it means it would take NONG, 11.63 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of NONG (11.63) is better than 78.45% of its industry peers.
  • A Debt/Equity ratio of 1.16 is on the high side and indicates that NONG has dependencies on debt financing.
  • NONG has a better Debt to Equity ratio (1.16) than 64.66% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.16
Debt/FCF 11.63
Altman-Z N/A
ROIC/WACCN/A
WACC4%
NONG.OL Yearly LT Debt VS Equity VS FCFNONG.OL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B 15B 20B 25B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
NONG.OL Yearly Current Assets VS Current LiabilitesNONG.OL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. NONG.OL Growth Analysis

3.1 Past

  • NONG shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.20%.
  • Measured over the past years, NONG shows a quite strong growth in Earnings Per Share. The EPS has been growing by 15.73% on average per year.
  • NONG shows a decrease in Revenue. In the last year, the revenue decreased by -2.77%.
  • 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)-6.2%
EPS 3Y13.87%
EPS 5Y15.73%
EPS Q2Q%-7.12%
Revenue 1Y (TTM)-2.77%
Revenue growth 3Y16.4%
Revenue growth 5Y9.65%
Sales Q2Q%-4.49%

3.2 Future

  • The Earnings Per Share is expected to decrease by -0.05% on average over the next years.
  • The Revenue is expected to grow by 3.04% on average over the next years.
EPS Next Y-6.06%
EPS Next 2Y-1.49%
EPS Next 3Y-0.05%
EPS Next 5YN/A
Revenue Next Year-0.08%
Revenue Next 2Y1.41%
Revenue Next 3Y3.04%
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
NONG.OL Yearly Revenue VS EstimatesNONG.OL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2B 4B 6B
NONG.OL Yearly EPS VS EstimatesNONG.OL Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5 10 15

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5

4. NONG.OL Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.39, which indicates a very decent valuation of NONG.
  • Based on the Price/Earnings ratio, NONG is valued a bit cheaper than 62.93% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of NONG to the average of the S&P500 Index (25.70), we can say NONG is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 11.06, the valuation of NONG can be described as very reasonable.
  • NONG's Price/Forward Earnings is on the same level as the industry average.
  • NONG is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.84, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.39
Fwd PE 11.06
NONG.OL Price Earnings VS Forward Price EarningsNONG.OL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, NONG is valued a bit cheaper than the industry average as 74.14% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 7.78
EV/EBITDA N/A
NONG.OL Per share dataNONG.OL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150 200

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.66
EPS Next 2Y-1.49%
EPS Next 3Y-0.05%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. NONG.OL Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 5.31%, NONG is a good candidate for dividend investing.
  • NONG's Dividend Yield is a higher than the industry average which is at 4.56.
  • NONG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 5.31%

5.2 History

  • On average, the dividend of NONG grows each year by 16.99%, which is quite nice.
Dividend Growth(5Y)16.99%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • NONG pays out 120.30% of its income as dividend. 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.
DP120.3%
EPS Next 2Y-1.49%
EPS Next 3Y-0.05%
NONG.OL Yearly Income VS Free CF VS DividendNONG.OL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B
NONG.OL Dividend Payout.NONG.OL Dividend Payout, showing the Payout Ratio.NONG.OL Dividend Payout.PayoutRetained Earnings

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NONG.OL Fundamentals: All Metrics, Ratios and Statistics

SPAREBANK 1 NORD-NORGE

OSL:NONG (3/13/2026, 7:00:00 PM)

158.8

+1.32 (+0.84%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-12
Earnings (Next)05-06
Inst Owners31.37%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap15.94B
Revenue(TTM)6.57B
Net Income(TTM)1.59B
Analysts47.69
Price Target152.49 (-3.97%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.31%
Yearly Dividend19
Dividend Growth(5Y)16.99%
DP120.3%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)29.14%
Min EPS beat(2)27.73%
Max EPS beat(2)30.55%
EPS beat(4)4
Avg EPS beat(4)19.19%
Min EPS beat(4)6.82%
Max EPS beat(4)30.55%
EPS beat(8)7
Avg EPS beat(8)23.56%
EPS beat(12)8
Avg EPS beat(12)13.25%
EPS beat(16)10
Avg EPS beat(16)14.23%
Revenue beat(2)2
Avg Revenue beat(2)5.04%
Min Revenue beat(2)4.52%
Max Revenue beat(2)5.56%
Revenue beat(4)4
Avg Revenue beat(4)5.07%
Min Revenue beat(4)4.52%
Max Revenue beat(4)5.56%
Revenue beat(8)8
Avg Revenue beat(8)5.99%
Revenue beat(12)10
Avg Revenue beat(12)3.74%
Revenue beat(16)12
Avg Revenue beat(16)3.72%
PT rev (1m)5.28%
PT rev (3m)5.28%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-6.08%
EPS NY rev (3m)-1.38%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.79%
Revenue NY rev (3m)0.79%
Valuation
Industry RankSector Rank
PE 10.39
Fwd PE 11.06
P/S 2.43
P/FCF 7.78
P/OCF 7.27
P/B 0.78
P/tB 0.78
EV/EBITDA N/A
EPS(TTM)15.28
EY9.62%
EPS(NY)14.35
Fwd EY9.04%
FCF(TTM)20.42
FCFY12.86%
OCF(TTM)21.83
OCFY13.75%
SpS65.39
BVpS204.39
TBVpS204.39
PEG (NY)N/A
PEG (5Y)0.66
Graham Number265.08
Profitability
Industry RankSector Rank
ROA 1.1%
ROE 7.73%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.16%
GM N/A
FCFM 31.23%
ROA(3y)1.08%
ROA(5y)0.97%
ROE(3y)7.82%
ROE(5y)7.05%
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 3Y5.95%
PM growth 5Y4.38%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 1.16
Debt/FCF 11.63
Debt/EBITDA N/A
Cap/Depr 154.35%
Cap/Sales 2.16%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 129.26%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC4%
ROIC/WACCN/A
Cap/Depr(3y)111.3%
Cap/Depr(5y)89.68%
Cap/Sales(3y)1.57%
Cap/Sales(5y)1.46%
Profit Quality(3y)160.88%
Profit Quality(5y)218.62%
High Growth Momentum
Growth
EPS 1Y (TTM)-6.2%
EPS 3Y13.87%
EPS 5Y15.73%
EPS Q2Q%-7.12%
EPS Next Y-6.06%
EPS Next 2Y-1.49%
EPS Next 3Y-0.05%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.77%
Revenue growth 3Y16.4%
Revenue growth 5Y9.65%
Sales Q2Q%-4.49%
Revenue Next Year-0.08%
Revenue Next 2Y1.41%
Revenue Next 3Y3.04%
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-42.59%
FCF growth 3Y-11.34%
FCF growth 5Y0.37%
OCF growth 1Y-40.03%
OCF growth 3Y-9.97%
OCF growth 5Y1.05%

SPAREBANK 1 NORD-NORGE / NONG.OL Fundamental Analysis FAQ

What is the ChartMill fundamental rating of SPAREBANK 1 NORD-NORGE (NONG.OL) stock?

ChartMill assigns a fundamental rating of 3 / 10 to NONG.OL.


Can you provide the valuation status for SPAREBANK 1 NORD-NORGE?

ChartMill assigns a valuation rating of 5 / 10 to SPAREBANK 1 NORD-NORGE (NONG.OL). This can be considered as Fairly Valued.


How profitable is SPAREBANK 1 NORD-NORGE (NONG.OL) stock?

SPAREBANK 1 NORD-NORGE (NONG.OL) has a profitability rating of 3 / 10.


Can you provide the PE and PB ratios for NONG stock?

The Price/Earnings (PE) ratio for SPAREBANK 1 NORD-NORGE (NONG.OL) is 10.39 and the Price/Book (PB) ratio is 0.78.


What is the earnings growth outlook for SPAREBANK 1 NORD-NORGE?

The Earnings per Share (EPS) of SPAREBANK 1 NORD-NORGE (NONG.OL) is expected to decline by -6.06% in the next year.