PARETO BANK ASA (PARB.OL) Stock Fundamental Analysis
Europe - OSL:PARB - NO0010397581 - Common Stock
91.2 NOK
+1 (+1.11%)
Taking everything into account, PARB scores 4 out of 10 in our fundamental rating. PARB was compared to 97 industry peers in the Banks industry. Both the profitability and financial health of PARB have multiple concerns. PARB has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year PARB was profitable.
PARB had a positive operating cash flow in the past year.
In the past 5 years PARB has always been profitable.
In multiple years PARB reported negative operating cash flow during the last 5 years.
1.2 Ratios
With an excellent Return On Assets value of 2.40%, PARB belongs to the best of the industry, outperforming 95.88% 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 59.79% 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 97.94% of its industry peers.
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) | 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.
The number of shares outstanding for PARB has been reduced compared to 1 year ago.
Compared to 5 years ago, PARB has more shares outstanding
PARB has a better debt/assets ratio than last year.
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 93.81% 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.
PARB has a Debt to Equity ratio of 1.47. This is in the better half of the industry: PARB outperforms 65.98% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.47 | ||
| Debt/FCF | 3.01 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.73%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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%.
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 8.07% 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%13.49%
Revenue 1Y (TTM)8.07%
Revenue growth 3Y13.77%
Revenue growth 5Y12.57%
Sales Q2Q%8.77%
3.2 Future
PARB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.20% yearly.
The Revenue is expected to grow by 5.28% on average over the next years.
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.
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
PARB is valuated reasonably with a Price/Earnings ratio of 11.00.
63.92% of the companies in the same industry are cheaper than PARB, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.76. PARB is valued rather cheaply when compared to this.
PARB is valuated reasonably with a Price/Forward Earnings ratio of 10.16.
PARB's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 22.63. PARB is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11 | ||
| Fwd PE | 10.16 |
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 90.72% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.62 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.38
PEG (5Y)1.52
EPS Next 2Y4.06%
EPS Next 3Y6.2%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.60%, PARB is a good candidate for dividend investing.
PARB's Dividend Yield is comparable with the industry average which is at 4.83.
Compared to an average S&P500 Dividend Yield of 2.31, PARB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.6% |
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
48.16% of the earnings are spent on dividend by PARB. 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%
OSL:PARB (10/29/2025, 4:18:46 PM)
91.2
+1 (+1.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners14.51%
Inst Owner ChangeN/A
Ins Owners1.91%
Ins Owner ChangeN/A
Market Cap7.00B
Revenue(TTM)1.31B
Net Income(TTM)661.68M
Analysts85
Price Target102 (11.84%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.6% |
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)11.11%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)1.33%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.84%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11 | ||
| Fwd PE | 10.16 | ||
| P/S | 5.33 | ||
| P/FCF | 2.62 | ||
| P/OCF | 2.61 | ||
| P/B | 1.28 | ||
| P/tB | 1.29 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.29
EY9.09%
EPS(NY)8.98
Fwd EY9.84%
FCF(TTM)34.83
FCFY38.19%
OCF(TTM)34.99
OCFY38.37%
SpS17.1
BVpS71.23
TBVpS70.7
PEG (NY)1.38
PEG (5Y)1.52
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
WACC6.73%
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 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 5 / 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 7.97% in the next year.