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 91 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 correct valuation and a medium 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.
Each year in the past 5 years NONG has been profitable.
Each year in the past 5 years NONG had a positive operating cash flow.
1.2 Ratios
NONG has a better Return On Assets (1.24%) than 82.02% of its industry peers.
With a Return On Equity value of 8.70%, NONG perfoms like the industry average, outperforming 46.07% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.24% | ||
| ROE | 8.7% | ||
| 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 25.15%, NONG is in the better half of the industry, outperforming 69.66% of the companies in the same industry.
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) | 25.15% | ||
| 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.
The number of shares outstanding for NONG remains at a similar level compared to 1 year ago.
NONG has more shares outstanding than it did 5 years ago.
The debt/assets ratio for NONG has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of NONG is 36.66, which is on the high side as it means it would take NONG, 36.66 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of NONG (36.66) is better than 78.65% of its industry peers.
A Debt/Equity ratio of 1.24 is on the high side and indicates that NONG has dependencies on debt financing.
NONG has a Debt to Equity ratio of 1.24. This is in the better half of the industry: NONG outperforms 71.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.24 | ||
| Debt/FCF | 36.66 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC3.62%
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 49.29%, which is quite impressive.
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 20.68% in the past year. This is a very strong growth!
The Revenue has been growing by 9.65% on average over the past years. This is quite good.
EPS 1Y (TTM)49.29%
EPS 3Y16.06%
EPS 5Y11.67%
EPS Q2Q%13.69%
Revenue 1Y (TTM)20.68%
Revenue growth 3Y15.05%
Revenue growth 5Y9.65%
Sales Q2Q%8.13%
3.2 Future
The Earnings Per Share is expected to decrease by -5.56% on average over the next years.
Based on estimates for the next years, NONG will show a decrease in Revenue. The Revenue will decrease by -0.89% on average per year.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 8.98 indicates a reasonable valuation of NONG.
64.04% of the companies in the same industry are more expensive than NONG, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 27.41, NONG is valued rather cheaply.
With a Price/Forward Earnings ratio of 11.27, the valuation of NONG can be described as very reasonable.
Based on the Price/Forward Earnings ratio, NONG is valued a bit more expensive than 62.92% of the companies in the same industry.
NONG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 35.19.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.98 | ||
| Fwd PE | 11.27 |
4.2 Price Multiples
NONG's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. NONG is cheaper than 76.40% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.47 | ||
| 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)0.77
EPS Next 2Y-9.55%
EPS Next 3Y-5.56%
5. Dividend
5.1 Amount
NONG has a Yearly Dividend Yield of 5.65%, which is a nice return.
Compared to an average industry Dividend Yield of 5.19, NONG pays a bit more dividend than its industry peers.
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 | 5.65% |
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 73.17% 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.
DP73.17%
EPS Next 2Y-9.55%
EPS Next 3Y-5.56%
OSL:NONG (7/11/2025, 7:00:00 PM)
150.16
-4.84 (-3.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners38.64%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap15.08B
Analysts44.29
Price Target143 (-4.77%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.65% |
Yearly Dividend19.25
Dividend Growth(5Y)12.24%
DP73.17%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)22.28%
Min EPS beat(2)6.82%
Max EPS beat(2)37.75%
EPS beat(4)4
Avg EPS beat(4)30.76%
Min EPS beat(4)0.46%
Max EPS beat(4)78%
EPS beat(8)4
Avg EPS beat(8)8.67%
EPS beat(12)7
Avg EPS beat(12)13.29%
EPS beat(16)10
Avg EPS beat(16)14.29%
Revenue beat(2)2
Avg Revenue beat(2)6.73%
Min Revenue beat(2)4.64%
Max Revenue beat(2)8.82%
Revenue beat(4)4
Avg Revenue beat(4)7.88%
Min Revenue beat(4)0.68%
Max Revenue beat(4)17.37%
Revenue beat(8)6
Avg Revenue beat(8)3.03%
Revenue beat(12)9
Avg Revenue beat(12)3.94%
Revenue beat(16)12
Avg Revenue beat(16)5.34%
PT rev (1m)2.59%
PT rev (3m)10.1%
EPS NQ rev (1m)2.4%
EPS NQ rev (3m)0.47%
EPS NY rev (1m)0%
EPS NY rev (3m)0.61%
Revenue NQ rev (1m)1.47%
Revenue NQ rev (3m)1.73%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.8%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.98 | ||
| Fwd PE | 11.27 | ||
| P/S | 2.19 | ||
| P/FCF | 22.47 | ||
| P/OCF | 21.79 | ||
| P/B | 0.76 | ||
| P/tB | 0.77 | ||
| EV/EBITDA | N/A |
EPS(TTM)16.72
EY11.13%
EPS(NY)13.33
Fwd EY8.87%
FCF(TTM)6.68
FCFY4.45%
OCF(TTM)6.89
OCFY4.59%
SpS68.42
BVpS197.75
TBVpS195.84
PEG (NY)N/A
PEG (5Y)0.77
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.24% | ||
| ROE | 8.7% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.15% | ||
| GM | N/A | ||
| FCFM | 9.77% |
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 | 1.24 | ||
| Debt/FCF | 36.66 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 25.61% | ||
| Cap/Sales | 0.31% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 38.85% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC3.62%
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)20.68%
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 1Y309.15%
FCF growth 3Y8.72%
FCF growth 5YN/A
OCF growth 1Y198.28%
OCF growth 3Y8.93%
OCF growth 5YN/A