PARETO BANK ASA (PARB.OL) Fundamental Analysis & Valuation

OSL:PARB • NO0010397581

Current stock price

83.4 NOK
-0.7 (-0.83%)
Last:

This PARB.OL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. PARB.OL Profitability Analysis

1.1 Basic Checks

  • PARB had positive earnings in the past year.
  • PARB had a positive operating cash flow in the past year.
  • 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.
PARB.OL Yearly Net Income VS EBIT VS OCF VS FCFPARB.OL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B -1B 2B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 2.56%, PARB belongs to the top of the industry, outperforming 97.27% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 11.32%, PARB is in line with its industry, outperforming 55.45% of the companies in the same industry.
Industry RankSector Rank
ROA 2.56%
ROE 11.32%
ROIC N/A
ROA(3y)2.38%
ROA(5y)2.43%
ROE(3y)11.56%
ROE(5y)12.21%
ROIC(3y)N/A
ROIC(5y)N/A
PARB.OL Yearly ROA, ROE, ROICPARB.OL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10

1.3 Margins

  • With an excellent Profit Margin value of 50.12%, PARB belongs to the best of the industry, outperforming 97.27% of the companies in the same industry.
  • 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 RankSector Rank
OM N/A
PM (TTM) 50.12%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.75%
PM growth 5Y-3.04%
GM growth 3YN/A
GM growth 5YN/A
PARB.OL Yearly Profit, Operating, Gross MarginsPARB.OL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40 50

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2

2. PARB.OL Health Analysis

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 about the same amount of shares outstanding.
  • Compared to 5 years ago, PARB has more shares outstanding
  • Compared to 1 year ago, PARB has an improved debt to assets ratio.
PARB.OL Yearly Shares OutstandingPARB.OL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
PARB.OL Yearly Total Debt VS Total AssetsPARB.OL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B 25B

2.2 Solvency

  • The Debt to FCF ratio of PARB is 18.34, which is on the high side as it means it would take PARB, 18.34 years of fcf income to pay off all of its debts.
  • With a decent Debt to FCF ratio value of 18.34, PARB is doing good in the industry, outperforming 62.73% of the companies in the same industry.
  • A Debt/Equity ratio of 1.30 is on the high side and indicates that PARB has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 1.30, PARB is in line with its industry, outperforming 57.27% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.3
Debt/FCF 18.34
Altman-Z N/A
ROIC/WACCN/A
WACC6.77%
PARB.OL Yearly LT Debt VS Equity VS FCFPARB.OL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B 6B 8B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PARB.OL Yearly Current Assets VS Current LiabilitesPARB.OL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M

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4

3. PARB.OL Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 7.38% over the past year.
  • Measured over the past 5 years, PARB shows a small growth in Earnings Per Share. The EPS has been growing by 7.22% on average per year.
  • PARB shows a small growth in Revenue. In the last year, the Revenue has grown by 3.28%.
  • 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%-27.23%
Revenue 1Y (TTM)3.28%
Revenue growth 3Y13.77%
Revenue growth 5Y12.57%
Sales Q2Q%-2.01%

3.2 Future

  • PARB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.16% yearly.
  • The Revenue is expected to grow by 3.92% on average over the next years.
EPS Next Y6.61%
EPS Next 2Y-1.78%
EPS Next 3Y3.21%
EPS Next 5Y5.16%
Revenue Next Year4.09%
Revenue Next 2Y-0.04%
Revenue Next 3Y2.36%
Revenue Next 5Y3.92%

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.
PARB.OL Yearly Revenue VS EstimatesPARB.OL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B
PARB.OL Yearly EPS VS EstimatesPARB.OL Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2 4 6 8 10

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4

4. PARB.OL Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 10.06 indicates a reasonable valuation of PARB.
  • Compared to the rest of the industry, the Price/Earnings ratio of PARB indicates a somewhat cheap valuation: PARB is cheaper than 61.82% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.61, PARB is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 10.43, the valuation of PARB can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of PARB is on the same level as its industry peers.
  • PARB is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.79, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.06
Fwd PE 10.43
PARB.OL Price Earnings VS Forward Price EarningsPARB.OL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Price/Free Cash Flow ratio as PARB.
Industry RankSector Rank
P/FCF 15.78
EV/EBITDA N/A
PARB.OL Per share dataPARB.OL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

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)1.52
PEG (5Y)1.39
EPS Next 2Y-1.78%
EPS Next 3Y3.21%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. PARB.OL Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 9.58%, PARB is a good candidate for dividend investing.
  • PARB's Dividend Yield is rather good when compared to the industry average which is at 4.75. PARB pays more dividend than 98.18% of the companies in the same industry.
  • PARB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 9.58%

5.2 History

  • The dividend of PARB is nicely growing with an annual growth rate of 15.82%!
Dividend Growth(5Y)15.82%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 49.03% 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.
DP49.03%
EPS Next 2Y-1.78%
EPS Next 3Y3.21%
PARB.OL Yearly Income VS Free CF VS DividendPARB.OL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B -1B 2B
PARB.OL Dividend Payout.PARB.OL Dividend Payout, showing the Payout Ratio.PARB.OL Dividend Payout.PayoutRetained Earnings

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PARB.OL Fundamentals: All Metrics, Ratios and Statistics

PARETO BANK ASA

OSL:PARB (3/26/2026, 11:00:56 AM)

83.4

-0.7 (-0.83%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-30
Inst Owners15.91%
Inst Owner ChangeN/A
Ins Owners1.91%
Ins Owner ChangeN/A
Market Cap6.40B
Revenue(TTM)1.30B
Net Income(TTM)649.88M
Analysts85
Price Target91.8 (10.07%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 9.58%
Yearly Dividend4.16
Dividend Growth(5Y)15.82%
DP49.03%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-14.13%
Min EPS beat(2)-30.12%
Max EPS beat(2)1.87%
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)1
Avg Revenue beat(2)-1.84%
Min Revenue beat(2)-7.67%
Max Revenue beat(2)3.98%
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%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-12.38%
EPS NY rev (1m)-8.57%
EPS NY rev (3m)-8.57%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-3.35%
Revenue NY rev (3m)-3.35%
Valuation
Industry RankSector Rank
PE 10.06
Fwd PE 10.43
P/S 4.94
P/FCF 15.78
P/OCF 15.44
P/B 1.12
P/tB 1.12
EV/EBITDA N/A
EPS(TTM)8.29
EY9.94%
EPS(NY)8
Fwd EY9.59%
FCF(TTM)5.28
FCFY6.34%
OCF(TTM)5.4
OCFY6.48%
SpS16.89
BVpS74.77
TBVpS74.26
PEG (NY)1.52
PEG (5Y)1.39
Graham Number118.1
Profitability
Industry RankSector Rank
ROA 2.56%
ROE 11.32%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 50.12%
GM N/A
FCFM 31.29%
ROA(3y)2.38%
ROA(5y)2.43%
ROE(3y)11.56%
ROE(5y)12.21%
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-5.75%
PM growth 5Y-3.04%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 1.3
Debt/FCF 18.34
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.7%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 62.44%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC6.77%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)1.08%
Cap/Sales(5y)1.14%
Profit Quality(3y)151.76%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)7.38%
EPS 3Y5.3%
EPS 5Y7.22%
EPS Q2Q%-27.23%
EPS Next Y6.61%
EPS Next 2Y-1.78%
EPS Next 3Y3.21%
EPS Next 5Y5.16%
Revenue 1Y (TTM)3.28%
Revenue growth 3Y13.77%
Revenue growth 5Y12.57%
Sales Q2Q%-2.01%
Revenue Next Year4.09%
Revenue Next 2Y-0.04%
Revenue Next 3Y2.36%
Revenue Next 5Y3.92%
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 1Y-81.18%
FCF growth 3YN/A
FCF growth 5Y-16.4%
OCF growth 1Y-80.85%
OCF growth 3YN/A
OCF growth 5Y-16.16%

PARETO BANK ASA / PARB.OL Fundamental Analysis FAQ

What is the fundamental rating for PARB stock?

ChartMill assigns a fundamental rating of 3 / 10 to PARB.OL.


What is the valuation status of PARETO BANK ASA (PARB.OL) stock?

ChartMill assigns a valuation rating of 4 / 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.


Can you provide the financial health for PARB stock?

The financial health rating of PARETO BANK ASA (PARB.OL) is 2 / 10.


What is the expected EPS growth for PARETO BANK ASA (PARB.OL) stock?

The Earnings per Share (EPS) of PARETO BANK ASA (PARB.OL) is expected to grow by 6.61% in the next year.