PARETO BANK ASA (PARB.OL) Stock Fundamental Analysis

OSL:PARB • NO0010397581

83.6 NOK
+0.4 (+0.48%)
Last: Feb 20, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

4

Taking everything into account, PARB scores 4 out of 10 in our fundamental rating. PARB was compared to 110 industry peers in the Banks industry. PARB has a bad profitability rating. Also its financial health evaluation is rather negative. PARB is not valued too expensively and it also shows a decent growth rate. Finally PARB also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

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.
  • 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

  • PARB has a better Return On Assets (2.62%) than 98.18% of its industry peers.
  • The Return On Equity of PARB (11.55%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 2.62%
ROE 11.55%
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

  • The Profit Margin of PARB (51.13%) is better than 99.09% 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 RankSector Rank
OM N/A
PM (TTM) 51.13%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

2

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 remains at a similar level compared to 1 year ago.
  • PARB has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for PARB has been reduced compared to a year ago.
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

  • PARB has a debt to FCF ratio of 18.34. This is a negative value and a sign of low solvency as PARB would need 18.34 years to pay back of all of its debts.
  • PARB has a better Debt to FCF ratio (18.34) than 68.18% of its industry peers.
  • A Debt/Equity ratio of 1.30 is on the high side and indicates that PARB has dependencies on debt financing.
  • PARB has a better Debt to Equity ratio (1.30) than 63.64% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.3
Debt/FCF 18.34
Altman-Z N/A
ROIC/WACCN/A
WACC6.9%
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

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.
  • 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%-2.57%
Revenue 1Y (TTM)3.28%
Revenue growth 3Y13.77%
Revenue growth 5Y12.57%
Sales Q2Q%-2.01%

3.2 Future

  • The Earnings Per Share is expected to grow by 4.23% on average over the next years.
  • Based on estimates for the next years, PARB will show a small growth in Revenue. The Revenue will grow by 3.21% on average per year.
EPS Next Y7.54%
EPS Next 2Y2.72%
EPS Next 3Y5.36%
EPS Next 5Y4.23%
Revenue Next Year4.09%
Revenue Next 2Y1.68%
Revenue Next 3Y3.69%
Revenue Next 5Y3.21%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less 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.
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

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6

4. Valuation

4.1 Price/Earnings Ratio

  • PARB is valuated reasonably with a Price/Earnings ratio of 10.08.
  • PARB's Price/Earnings ratio is a bit cheaper when compared to the industry. PARB is cheaper than 71.82% of the companies in the same industry.
  • PARB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.99.
  • The Price/Forward Earnings ratio is 9.56, which indicates a very decent valuation of PARB.
  • Based on the Price/Forward Earnings ratio, PARB is valued cheaply inside the industry as 87.27% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 28.06. PARB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.08
Fwd PE 9.56
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

  • Based on the Price/Free Cash Flow ratio, PARB is valued a bit cheaper than 65.45% of the companies in the same industry.
Industry RankSector Rank
P/FCF 15.82
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

  • PARB's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.34
PEG (5Y)1.4
EPS Next 2Y2.72%
EPS Next 3Y5.36%

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

7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 9.59%, PARB is a good candidate for dividend investing.
  • PARB's Dividend Yield is rather good when compared to the industry average which is at 4.32. PARB pays more dividend than 98.18% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.81, PARB pays a better dividend.
Industry RankSector Rank
Dividend Yield 9.59%

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

  • 48.07% of the earnings are spent on dividend by PARB. This is a bit on the high side, but may be sustainable.
  • The dividend of PARB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP48.07%
EPS Next 2Y2.72%
EPS Next 3Y5.36%
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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PARETO BANK ASA

OSL:PARB (2/20/2026, 7:00:00 PM)

83.6

+0.4 (+0.48%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-30
Inst Owners15.73%
Inst Owner ChangeN/A
Ins Owners1.91%
Ins Owner ChangeN/A
Market Cap6.42B
Revenue(TTM)1.30B
Net Income(TTM)662.93M
Analysts85
Price Target91.8 (9.81%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 9.59%
Yearly Dividend4.16
Dividend Growth(5Y)15.82%
DP48.07%
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)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)-10%
PT rev (3m)-10%
EPS NQ rev (1m)-12.38%
EPS NQ rev (3m)-12.38%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 10.08
Fwd PE 9.56
P/S 4.95
P/FCF 15.82
P/OCF 15.47
P/B 1.12
P/tB 1.13
EV/EBITDA N/A
EPS(TTM)8.29
EY9.92%
EPS(NY)8.75
Fwd EY10.46%
FCF(TTM)5.28
FCFY6.32%
OCF(TTM)5.4
OCFY6.46%
SpS16.89
BVpS74.77
TBVpS74.26
PEG (NY)1.34
PEG (5Y)1.4
Graham Number118.1
Profitability
Industry RankSector Rank
ROA 2.62%
ROE 11.55%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 51.13%
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-Score7
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 61.21%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC6.9%
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%-2.57%
EPS Next Y7.54%
EPS Next 2Y2.72%
EPS Next 3Y5.36%
EPS Next 5Y4.23%
Revenue 1Y (TTM)3.28%
Revenue growth 3Y13.77%
Revenue growth 5Y12.57%
Sales Q2Q%-2.01%
Revenue Next Year4.09%
Revenue Next 2Y1.68%
Revenue Next 3Y3.69%
Revenue Next 5Y3.21%
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 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 of PARETO BANK ASA (PARB.OL) 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.


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 7.54% in the next year.