PARB Fundamental Analysis - PARETO BANK ASA

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to PARB. PARB was compared to 95 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.

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1. Profitability

1.1 Basic Checks

In the past year PARB was profitable.

In the past year PARB had a positive cash flow from operations.

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 2.25%, PARB belongs to the best of the industry, outperforming 98.95% of the companies in the same industry.

PARB has a Return On Equity of 11.41%. This is comparable to the rest of the industry: PARB outperforms 55.79% of its industry peers.

		Industry Rank	Sector Rank
ROA	2.25%
ROE	11.41%
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

Looking at the Profit Margin, with a value of 49.72%, PARB belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.

In the last couple of years the Profit Margin of PARB has declined.

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)	49.72%
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.

PARB has a better debt/assets ratio than last year.

2.2 Solvency

PARB has a debt to FCF ratio of 4.11. This is a neutral value as PARB would need 4.11 years to pay back of all of its debts.

With an excellent Debt to FCF ratio value of 4.11, PARB belongs to the best of the industry, outperforming 92.63% of the companies in the same industry.

A Debt/Equity ratio of 1.43 is on the high side and indicates that PARB has dependencies on debt financing.

PARB has a better Debt to Equity ratio (1.43) than 66.32% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.43
Debt/FCF	4.11
Altman-Z	N/A

ROIC/WACCN/A

WACC6.77%

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

PARB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.38%.

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.

The Revenue has grown by 9.31% in the past year. This is quite good.

The Revenue has been growing by 12.57% on average over the past years. This is quite good.

EPS 1Y (TTM)7.38%

EPS 3Y5.3%

EPS 5Y7.22%

EPS Q2Q%-6.04%

Revenue 1Y (TTM)9.31%

Revenue growth 3Y13.77%

Revenue growth 5Y12.57%

Sales Q2Q%10.11%

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 5.48% on average per year.

PARB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.35% yearly.

EPS Next Y6.55%

EPS Next 2Y6.1%

EPS Next 3Y5.48%

EPS Next 5YN/A

Revenue Next Year7.17%

Revenue Next 2Y4.66%

Revenue Next 3Y4.35%

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.

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

The Price/Earnings ratio is 11.41, which indicates a very decent valuation of PARB.

Based on the Price/Earnings ratio, PARB is valued a bit more expensive than 71.58% of the companies in the same industry.

PARB is valuated cheaply when we compare the Price/Earnings ratio to 28.04, which is the current average of the S&P500 Index.

PARB is valuated reasonably with a Price/Forward Earnings ratio of 10.14.

PARB's Price/Forward Earnings is on the same level as the industry average.

When comparing the Price/Forward Earnings ratio of PARB to the average of the S&P500 Index (37.64), we can say PARB is valued rather cheaply.

		Industry Rank	Sector Rank
PE	11.41
Fwd PE	10.14

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 86.32% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	3.72
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)1.74

PEG (5Y)1.58

EPS Next 2Y6.1%

EPS Next 3Y5.48%

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5. Dividend

5.1 Amount

PARB has a Yearly Dividend Yield of 4.43%, which is a nice return.

Compared to an average industry Dividend Yield of 5.03, PARB has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.31, PARB pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.43%

5.2 History

On average, the dividend of PARB grows each year by 43.77%, which is quite nice.

Dividend Growth(5Y)43.77%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

46.85% 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.

DP46.85%

EPS Next 2Y6.1%

EPS Next 3Y5.48%

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PARETO BANK ASA

OSL:PARB (7/25/2025, 7:00:00 PM)

94.6

-0.6 (-0.63%)

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 Cap7.26B

Analysts85

Price Target91.8 (-2.96%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.43%

Yearly Dividend3.9

Dividend Growth(5Y)43.77%

DP46.85%

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)7.14%

PT rev (3m)7.14%

EPS NQ rev (1m)0%

EPS NQ rev (3m)1.43%

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)3.97%

Valuation

		Industry Rank	Sector Rank
PE	11.41
Fwd PE	10.14
P/S	5.65
P/FCF	3.72
P/OCF	3.69
P/B	1.3
P/tB	1.31
EV/EBITDA	N/A

EPS(TTM)8.29

EY8.76%

EPS(NY)9.33

Fwd EY9.87%

FCF(TTM)25.44

FCFY26.89%

OCF(TTM)25.61

OCFY27.07%

SpS16.74

BVpS72.96

TBVpS72.43

PEG (NY)1.74

PEG (5Y)1.58

Profitability

		Industry Rank	Sector Rank
ROA	2.25%
ROE	11.41%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	49.72%
GM	N/A
FCFM	151.95%

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	1.43
Debt/FCF	4.11
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	1.03%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	305.57%
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)1.15%

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%-6.04%

EPS Next Y6.55%

EPS Next 2Y6.1%

EPS Next 3Y5.48%

EPS Next 5YN/A

Revenue 1Y (TTM)9.31%

Revenue growth 3Y13.77%

Revenue growth 5Y12.57%

Sales Q2Q%10.11%

Revenue Next Year7.17%

Revenue Next 2Y4.66%

Revenue Next 3Y4.35%

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 1Y480.32%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y493.86%

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

More info and screens