PARETO BANK ASA (PARB.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:PARB - NO0010397581 - Common Stock
89.2 NOK
0 (0%)
We assign a fundamental rating of 4 out of 10 to PARB. PARB was compared to 114 industry peers in the Banks industry. Both the profitability and financial health of PARB have multiple concerns. PARB is not valued too expensively and it also shows a decent growth rate. PARB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
PARB had positive earnings in the past year.
In the past year PARB had a positive cash flow from operations.
In the past 5 years PARB has always been profitable.
The reported operating cash flow has been mixed in the past 5 years: PARB reported negative operating cash flow in multiple years.
1.2 Ratios
Looking at the Return On Assets, with a value of 2.40%, PARB belongs to the top of the industry, outperforming 96.49% of the companies in the same industry.
PARB has a Return On Equity of 12.10%. This is comparable to the rest of the industry: PARB outperforms 56.14% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.4% | ||
| ROE | 12.1% | ||
| 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
The Profit Margin of PARB (50.39%) is better than 98.25% of its industry peers.
PARB's Profit Margin has declined in the last couple of years.
PARB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 50.39% | ||
| 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
2. Health
2.1 Basic Checks
PARB does not have a ROIC to compare to the WACC, probably because it is not profitable.
PARB has less shares outstanding than it did 1 year ago.
The number of shares outstanding for PARB has been increased compared to 5 years ago.
The debt/assets ratio for PARB has been reduced compared to a year ago.
2.2 Solvency
PARB has a debt to FCF ratio of 3.01. This is a good value and a sign of high solvency as PARB would need 3.01 years to pay back of all of its debts.
PARB has a better Debt to FCF ratio (3.01) than 92.11% of its industry peers.
A Debt/Equity ratio of 1.47 is on the high side and indicates that PARB has dependencies on debt financing.
The Debt to Equity ratio of PARB (1.47) is better than 60.53% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.47 | ||
| Debt/FCF | 3.01 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.85%
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 been growing slightly by 7.38% over the past year.
PARB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.22% yearly.
The Revenue has grown by 11.01% in the past year. This is quite good.
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%2.4%
Revenue 1Y (TTM)11.01%
Revenue growth 3Y13.77%
Revenue growth 5Y12.57%
Sales Q2Q%-3.02%
3.2 Future
Based on estimates for the next years, PARB will show a small growth in Earnings Per Share. The EPS will grow by 5.36% on average per year.
PARB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.69% yearly.
EPS Next Y7.54%
EPS Next 2Y2.72%
EPS Next 3Y5.36%
EPS Next 5YN/A
Revenue Next Year4.09%
Revenue Next 2Y1.68%
Revenue Next 3Y3.69%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.76, the valuation of PARB can be described as very reasonable.
65.79% of the companies in the same industry are more expensive than PARB, based on the Price/Earnings ratio.
PARB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.61.
A Price/Forward Earnings ratio of 10.20 indicates a reasonable valuation of PARB.
69.30% of the companies in the same industry are more expensive than PARB, based on the Price/Forward Earnings ratio.
PARB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.01.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.76 | ||
| Fwd PE | 10.2 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of PARB indicates a rather cheap valuation: PARB is cheaper than 92.11% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.56 | ||
| 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)1.43
PEG (5Y)1.49
EPS Next 2Y2.72%
EPS Next 3Y5.36%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.67%, PARB is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.12, PARB pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.87, PARB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.67% |
5.2 History
The dividend of PARB is nicely growing with an annual growth rate of 43.77%!
Dividend Growth(5Y)43.77%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
PARB pays out 48.16% 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.
DP48.16%
EPS Next 2Y2.72%
EPS Next 3Y5.36%
OSL:PARB (12/23/2025, 2:27:45 PM)
89.2
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners15.7%
Inst Owner ChangeN/A
Ins Owners1.91%
Ins Owner ChangeN/A
Market Cap6.85B
Revenue(TTM)1.25B
Net Income(TTM)661.68M
Analysts85
Price Target102 (14.35%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.67% |
Yearly Dividend3.9
Dividend Growth(5Y)43.77%
DP48.16%
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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.4%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.86%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.76 | ||
| Fwd PE | 10.2 | ||
| P/S | 5.22 | ||
| P/FCF | 2.56 | ||
| P/OCF | 2.55 | ||
| P/B | 1.25 | ||
| P/tB | 1.26 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.29
EY9.29%
EPS(NY)8.75
Fwd EY9.81%
FCF(TTM)34.83
FCFY39.05%
OCF(TTM)34.99
OCFY39.23%
SpS17.1
BVpS71.23
TBVpS70.7
PEG (NY)1.43
PEG (5Y)1.49
Graham Number115.27
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.4% | ||
| ROE | 12.1% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 50.39% | ||
| GM | N/A | ||
| FCFM | 203.64% |
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
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 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 | 1.47 | ||
| Debt/FCF | 3.01 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.97% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 404.16% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC6.85%
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%2.4%
EPS Next Y7.54%
EPS Next 2Y2.72%
EPS Next 3Y5.36%
EPS Next 5YN/A
Revenue 1Y (TTM)11.01%
Revenue growth 3Y13.77%
Revenue growth 5Y12.57%
Sales Q2Q%-3.02%
Revenue Next Year4.09%
Revenue Next 2Y1.68%
Revenue Next 3Y3.69%
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 1Y432.79%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y440.81%
OCF growth 3YN/A
OCF growth 5YN/A
PARETO BANK ASA / PARB.OL FAQ
What is the fundamental rating for PARB stock?
ChartMill assigns a fundamental rating of 4 / 10 to PARB.OL.
What is the valuation status for PARB stock?
ChartMill assigns a valuation rating of 6 / 10 to PARETO BANK ASA (PARB.OL). This can be considered as Fairly Valued.
How profitable is PARETO BANK ASA (PARB.OL) stock?
PARETO BANK ASA (PARB.OL) has a profitability rating of 3 / 10.
What is the financial health of PARETO BANK ASA (PARB.OL) stock?
The financial health rating of PARETO BANK ASA (PARB.OL) is 3 / 10.
Can you provide the expected EPS growth for PARB stock?
The Earnings per Share (EPS) of PARETO BANK ASA (PARB.OL) is expected to grow by 7.54% in the next year.