PARB Fundamental Analysis - PARETO BANK ASA

Fundamental Rating

PARB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 89 industry peers in the Banks industry. PARB may be in some trouble as it scores bad on both profitability and health. PARB has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

PARB had positive earnings in the past year.

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

PARB has a better Return On Assets (2.40%) than 97.92% of its industry peers.

With a Return On Equity value of 12.10%, PARB perfoms like the industry average, outperforming 59.38% of the companies in the same industry.

		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

PARB has a better Profit Margin (50.39%) than 98.96% 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

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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.

PARB has less shares outstanding than it did 1 year ago.

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

The Debt to FCF ratio of PARB is 3.01, which is a good value as it means it would take PARB, 3.01 years of fcf income to pay off all of its debts.

PARB's Debt to FCF ratio of 3.01 is amongst the best of the industry. PARB outperforms 93.75% of its industry peers.

PARB has a Debt/Equity ratio of 1.47. This is a high value indicating a heavy dependency on external financing.

Looking at the Debt to Equity ratio, with a value of 1.47, PARB is in the better half of the industry, outperforming 64.58% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	1.47
Debt/FCF	3.01
Altman-Z	N/A

ROIC/WACCN/A

WACC6.69%

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 been growing slightly by 7.38% over the past year.

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

The Revenue has grown by 8.07% in the past year. This is quite good.

Measured over the past years, PARB shows a quite strong growth in Revenue. The Revenue has been growing by 12.57% on average per year.

EPS 1Y (TTM)7.38%

EPS 3Y5.3%

EPS 5Y7.22%

EPS Q2Q%13.49%

Revenue 1Y (TTM)8.07%

Revenue growth 3Y13.77%

Revenue growth 5Y12.57%

Sales Q2Q%8.77%

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 6.20% on average per year.

PARB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.28% yearly.

EPS Next Y7.97%

EPS Next 2Y4.06%

EPS Next 3Y6.2%

EPS Next 5YN/A

Revenue Next Year6.06%

Revenue Next 2Y4.58%

Revenue Next 3Y5.28%

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.

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

Based on the Price/Earnings ratio of 10.77, the valuation of PARB can be described as reasonable.

Based on the Price/Earnings ratio, PARB is valued a bit more expensive than the industry average as 63.54% of the companies are valued more cheaply.

The average S&P500 Price/Earnings ratio is at 27.06. PARB is valued rather cheaply when compared to this.

The Price/Forward Earnings ratio is 9.95, which indicates a very decent valuation of PARB.

Compared to the rest of the industry, the Price/Forward Earnings ratio of PARB is on the same level as its industry peers.

PARB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.69.

		Industry Rank	Sector Rank
PE	10.77
Fwd PE	9.95

4.2 Price Multiples

PARB's Price/Free Cash Flow ratio is rather cheap when compared to the industry. PARB is cheaper than 90.63% of the companies 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)1.35

PEG (5Y)1.49

EPS Next 2Y4.06%

EPS Next 3Y6.2%

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5. Dividend

5.1 Amount

PARB has a Yearly Dividend Yield of 4.57%, which is a nice return.

Compared to an average industry Dividend Yield of 5.09, PARB has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.45, PARB pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.57%

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 2Y4.06%

EPS Next 3Y6.2%

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PARETO BANK ASA

OSL:PARB (9/5/2025, 7:00:00 PM)

89.3

-1.5 (-1.65%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-18 2025-07-18/bmo

Earnings (Next)10-30 2025-10-30

Inst Owners22.13%

Inst Owner ChangeN/A

Ins Owners1.16%

Ins Owner ChangeN/A

Market Cap6.86B

Analysts85

Price Target102 (14.22%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.57%

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)11.11%

PT rev (3m)19.05%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-4.21%

EPS NY rev (1m)1.33%

EPS NY rev (3m)1.33%

Revenue NQ rev (1m)-2.84%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)-0.74%

Revenue NY rev (3m)-1.03%

Valuation

		Industry Rank	Sector Rank
PE	10.77
Fwd PE	9.95
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

EY9.28%

EPS(NY)8.98

Fwd EY10.05%

FCF(TTM)34.83

FCFY39%

OCF(TTM)34.99

OCFY39.19%

SpS17.1

BVpS71.23

TBVpS70.7

PEG (NY)1.35

PEG (5Y)1.49

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

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	1.47
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

WACC6.69%

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%13.49%

EPS Next Y7.97%

EPS Next 2Y4.06%

EPS Next 3Y6.2%

EPS Next 5YN/A

Revenue 1Y (TTM)8.07%

Revenue growth 3Y13.77%

Revenue growth 5Y12.57%

Sales Q2Q%8.77%

Revenue Next Year6.06%

Revenue Next 2Y4.58%

Revenue Next 3Y5.28%

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) 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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