PARB Fundamental Analysis - PARETO BANK ASA

Fundamental Rating

Overall PARB gets a fundamental rating of 4 out of 10. We evaluated PARB against 96 industry peers in the Banks industry. Both the profitability and financial health of PARB have multiple concerns. PARB 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 PARB was profitable.

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

Each year in the past 5 years PARB has been profitable.

In multiple years PARB reported negative operating cash flow during the last 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 2.25%, PARB belongs to the top of the industry, outperforming 98.96% of the companies in the same industry.

With a Return On Equity value of 11.41%, PARB perfoms like the industry average, outperforming 55.21% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	2.25%
ROE	11.41%
ROIC	N/A

ROA(3y)2.39%

ROA(5y)2.38%

ROE(3y)12.32%

ROE(5y)12.46%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

With an excellent Profit Margin value of 49.72%, PARB belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.

In the last couple of years the Profit Margin of PARB has declined.

The Operating Margin and Gross Margin are not available for PARB so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	49.72%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-5.01%

PM growth 5Y-2.39%

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

PARB does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, PARB has less shares outstanding

PARB has more shares outstanding than it did 5 years ago.

Compared to 1 year ago, PARB has an improved debt to assets ratio.

2.2 Solvency

PARB has a debt to FCF ratio of 4.11. This is a neutral value as PARB would need 4.11 years to pay back of all of its debts.

PARB has a better Debt to FCF ratio (4.11) than 92.71% of its industry peers.

A Debt/Equity ratio of 1.43 is on the high side and indicates that PARB has dependencies on debt financing.

PARB's Debt to Equity ratio of 1.43 is fine compared to the rest of the industry. PARB outperforms 66.67% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.43
Debt/FCF	4.11
Altman-Z	N/A

ROIC/WACCN/A

WACC6.6%

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

PARB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.38%.

The Earnings Per Share has been growing slightly by 7.22% on average over the past years.

Looking at the last year, PARB shows a quite strong growth in Revenue. The Revenue has grown by 9.31% in the last year.

PARB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 12.57% yearly.

EPS 1Y (TTM)7.38%

EPS 3Y5.3%

EPS 5Y7.22%

EPS Q2Q%-6.04%

Revenue 1Y (TTM)9.31%

Revenue growth 3Y13.77%

Revenue growth 5Y12.57%

Sales Q2Q%10.11%

3.2 Future

PARB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.48% yearly.

Based on estimates for the next years, PARB will show a small growth in Revenue. The Revenue will grow by 4.35% on average per year.

EPS Next Y6.55%

EPS Next 2Y6.1%

EPS Next 3Y5.48%

EPS Next 5YN/A

Revenue Next Year7.17%

Revenue Next 2Y4.66%

Revenue Next 3Y4.35%

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.53, the valuation of PARB can be described as reasonable.

PARB's Price/Earnings ratio is in line with the industry average.

Compared to an average S&P500 Price/Earnings ratio of 26.34, PARB is valued rather cheaply.

PARB is valuated reasonably with a Price/Forward Earnings ratio of 8.46.

65.63% of the companies in the same industry are more expensive than PARB, based on the Price/Forward Earnings ratio.

The average S&P500 Price/Forward Earnings ratio is at 22.19. PARB is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	9.53
Fwd PE	8.46

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, PARB is valued cheaply inside the industry as 88.54% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	3.11
EV/EBITDA	N/A

4.3 Compensation for Growth

PARB's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.45

PEG (5Y)1.32

EPS Next 2Y6.1%

EPS Next 3Y5.48%

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5. Dividend

5.1 Amount

PARB has a Yearly Dividend Yield of 5.10%, which is a nice return.

PARB's Dividend Yield is comparable with the industry average which is at 5.14.

PARB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.

		Industry Rank	Sector Rank
Dividend Yield	5.1%

5.2 History

On average, the dividend of PARB grows each year by 43.77%, which is quite nice.

Dividend Growth(5Y)43.77%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

PARB pays out 46.85% of its income as dividend. This is a bit on the high side, but may be sustainable.

PARB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP46.85%

EPS Next 2Y6.1%

EPS Next 3Y5.48%

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PARETO BANK ASA

OSL:PARB (6/19/2025, 9:55:27 AM)

-0.4 (-0.5%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-30 2025-04-30

Earnings (Next)07-18 2025-07-18

Inst Owners22.13%

Inst Owner ChangeN/A

Ins Owners1.16%

Ins Owner ChangeN/A

Market Cap6.07B

Analysts85

Price Target85.68 (8.46%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.1%

Yearly Dividend3.9

Dividend Growth(5Y)43.77%

DP46.85%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)0%

PT rev (3m)10.53%

EPS NQ rev (1m)1.43%

EPS NQ rev (3m)1.43%

EPS NY rev (1m)0%

EPS NY rev (3m)1.05%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)3.97%

Valuation

		Industry Rank	Sector Rank
PE	9.53
Fwd PE	8.46
P/S	4.72
P/FCF	3.11
P/OCF	3.08
P/B	1.08
P/tB	1.09
EV/EBITDA	N/A

EPS(TTM)8.29

EY10.49%

EPS(NY)9.33

Fwd EY11.81%

FCF(TTM)25.44

FCFY32.2%

OCF(TTM)25.61

OCFY32.42%

SpS16.74

BVpS72.96

TBVpS72.43

PEG (NY)1.45

PEG (5Y)1.32

Profitability

		Industry Rank	Sector Rank
ROA	2.25%
ROE	11.41%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	49.72%
GM	N/A
FCFM	151.95%

ROA(3y)2.39%

ROA(5y)2.38%

ROE(3y)12.32%

ROE(5y)12.46%

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 3Y-5.01%

PM growth 5Y-2.39%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	1.43
Debt/FCF	4.11
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	1.03%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	305.57%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC6.6%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)1.15%

Cap/Sales(5y)1.19%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)7.38%

EPS 3Y5.3%

EPS 5Y7.22%

EPS Q2Q%-6.04%

EPS Next Y6.55%

EPS Next 2Y6.1%

EPS Next 3Y5.48%

EPS Next 5YN/A

Revenue 1Y (TTM)9.31%

Revenue growth 3Y13.77%

Revenue growth 5Y12.57%

Sales Q2Q%10.11%

Revenue Next Year7.17%

Revenue Next 2Y4.66%

Revenue Next 3Y4.35%

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 1Y480.32%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y493.86%

OCF growth 3YN/A

OCF growth 5YN/A

PARETO BANK ASA (PARB.OL) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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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

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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