SPAREBANK 1 SOR-NORGE ASA (SB1NO.OL) Fundamental Analysis & Valuation

OSL:SB1NO • NO0010631567

Current stock price

215.5 NOK
-1.5 (-0.69%)
Last:

This SB1NO.OL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. SB1NO.OL Profitability Analysis

1.1 Basic Checks

  • In the past year SB1NO was profitable.
  • In the past year SB1NO had a positive cash flow from operations.
  • Each year in the past 5 years SB1NO has been profitable.
  • The reported operating cash flow has been mixed in the past 5 years: SB1NO reported negative operating cash flow in multiple years.
SB1NO.OL Yearly Net Income VS EBIT VS OCF VS FCFSB1NO.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 5B -5B 10B -10B -15B

1.2 Ratios

  • SB1NO has a better Return On Assets (1.24%) than 79.09% of its industry peers.
  • SB1NO's Return On Equity of 11.46% is in line compared to the rest of the industry. SB1NO outperforms 55.45% of its industry peers.
Industry RankSector Rank
ROA 1.24%
ROE 11.46%
ROIC N/A
ROA(3y)1.15%
ROA(5y)1.08%
ROE(3y)11.2%
ROE(5y)11.29%
ROIC(3y)N/A
ROIC(5y)N/A
SB1NO.OL Yearly ROA, ROE, ROICSB1NO.OL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • The Profit Margin of SB1NO (42.43%) is better than 93.64% of its industry peers.
  • SB1NO's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for SB1NO so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 42.43%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.79%
PM growth 5Y14.11%
GM growth 3YN/A
GM growth 5YN/A
SB1NO.OL Yearly Profit, Operating, Gross MarginsSB1NO.OL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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1

2. SB1NO.OL Health Analysis

2.1 Basic Checks

  • SB1NO does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for SB1NO remains at a similar level compared to 1 year ago.
  • Compared to 5 years ago, SB1NO has more shares outstanding
  • Compared to 1 year ago, SB1NO has an improved debt to assets ratio.
SB1NO.OL Yearly Shares OutstandingSB1NO.OL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M
SB1NO.OL Yearly Total Debt VS Total AssetsSB1NO.OL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100B 200B 300B 400B 500B

2.2 Solvency

  • SB1NO has a debt to FCF ratio of 21.56. This is a negative value and a sign of low solvency as SB1NO would need 21.56 years to pay back of all of its debts.
  • SB1NO has a Debt to FCF ratio (21.56) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 3.82 is on the high side and indicates that SB1NO has dependencies on debt financing.
  • The Debt to Equity ratio of SB1NO (3.82) is worse than 87.27% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.82
Debt/FCF 21.56
Altman-Z N/A
ROIC/WACCN/A
WACC8.37%
SB1NO.OL Yearly LT Debt VS Equity VS FCFSB1NO.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 50B 100B 150B 200B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SB1NO.OL Yearly Current Assets VS Current LiabilitesSB1NO.OL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B 25B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. SB1NO.OL Growth Analysis

3.1 Past

  • The earnings per share for SB1NO have decreased by -0.99% in the last year.
  • Measured over the past years, SB1NO shows a very strong growth in Earnings Per Share. The EPS has been growing by 22.22% on average per year.
  • SB1NO shows a strong growth in Revenue. In the last year, the Revenue has grown by 22.13%.
  • Measured over the past years, SB1NO shows a quite strong growth in Revenue. The Revenue has been growing by 16.96% on average per year.
EPS 1Y (TTM)-0.99%
EPS 3Y4.34%
EPS 5Y22.22%
EPS Q2Q%16.95%
Revenue 1Y (TTM)22.13%
Revenue growth 3Y21.19%
Revenue growth 5Y16.96%
Sales Q2Q%7.89%

3.2 Future

  • The Earnings Per Share is expected to grow by 5.70% on average over the next years.
  • SB1NO is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.77% yearly.
EPS Next Y3.19%
EPS Next 2Y5.26%
EPS Next 3Y5.7%
EPS Next 5YN/A
Revenue Next Year0.63%
Revenue Next 2Y2.86%
Revenue Next 3Y3.77%
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.
SB1NO.OL Yearly Revenue VS EstimatesSB1NO.OL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B
SB1NO.OL Yearly EPS VS EstimatesSB1NO.OL Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5 10 15 20

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3

4. SB1NO.OL Valuation Analysis

4.1 Price/Earnings Ratio

  • SB1NO is valuated correctly with a Price/Earnings ratio of 12.71.
  • Based on the Price/Earnings ratio, SB1NO is valued a bit more expensive than the industry average as 72.73% of the companies are valued more cheaply.
  • SB1NO is valuated cheaply when we compare the Price/Earnings ratio to 27.87, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 12.31 indicates a correct valuation of SB1NO.
  • SB1NO's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. SB1NO is more expensive than 68.18% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 38.51. SB1NO is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.71
Fwd PE 12.31
SB1NO.OL Price Earnings VS Forward Price EarningsSB1NO.OL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 71.82% of the companies in the same industry are more expensive than SB1NO, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 8.24
EV/EBITDA N/A
SB1NO.OL Per share dataSB1NO.OL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates SB1NO does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)3.98
PEG (5Y)0.57
EPS Next 2Y5.26%
EPS Next 3Y5.7%

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

6

5. SB1NO.OL Dividend Analysis

5.1 Amount

  • SB1NO has a Yearly Dividend Yield of 5.53%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.50, SB1NO pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.81, SB1NO pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.53%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 50.15% of the earnings are spent on dividend by SB1NO. This is a bit on the high side, but may be sustainable.
DP50.15%
EPS Next 2Y5.26%
EPS Next 3Y5.7%
SB1NO.OL Yearly Income VS Free CF VS DividendSB1NO.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 5B -5B -10B -15B
SB1NO.OL Dividend Payout.SB1NO.OL Dividend Payout, showing the Payout Ratio.SB1NO.OL Dividend Payout.PayoutRetained Earnings

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SB1NO.OL Fundamentals: All Metrics, Ratios and Statistics

SPAREBANK 1 SOR-NORGE ASA

OSL:SB1NO (4/17/2026, 7:00:00 PM)

215.5

-1.5 (-0.69%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-12
Earnings (Next)05-07
Inst Owners25.34%
Inst Owner ChangeN/A
Ins Owners0.15%
Ins Owner ChangeN/A
Market Cap80.91B
Revenue(TTM)15.00B
Net Income(TTM)6.36B
Analysts77.33
Price Target209.51 (-2.78%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.53%
Yearly Dividend8.51
Dividend Growth(5Y)N/A
DP50.15%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.56%
Min EPS beat(2)-0.84%
Max EPS beat(2)7.96%
EPS beat(4)2
Avg EPS beat(4)3.37%
Min EPS beat(4)-2.22%
Max EPS beat(4)8.6%
EPS beat(8)4
Avg EPS beat(8)1.95%
EPS beat(12)5
Avg EPS beat(12)1.24%
EPS beat(16)9
Avg EPS beat(16)7.05%
Revenue beat(2)1
Avg Revenue beat(2)1.53%
Min Revenue beat(2)-1.26%
Max Revenue beat(2)4.32%
Revenue beat(4)3
Avg Revenue beat(4)2.19%
Min Revenue beat(4)-1.26%
Max Revenue beat(4)5.21%
Revenue beat(8)4
Avg Revenue beat(8)1.58%
Revenue beat(12)8
Avg Revenue beat(12)6.31%
Revenue beat(16)12
Avg Revenue beat(16)7.27%
PT rev (1m)2.7%
PT rev (3m)7.43%
EPS NQ rev (1m)-3.81%
EPS NQ rev (3m)N/A
EPS NY rev (1m)1.84%
EPS NY rev (3m)1.59%
Revenue NQ rev (1m)-1.4%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.64%
Revenue NY rev (3m)0.18%
Valuation
Industry RankSector Rank
PE 12.71
Fwd PE 12.31
P/S 5.4
P/FCF 8.24
P/OCF 8.07
P/B 1.46
P/tB 1.57
EV/EBITDA N/A
EPS(TTM)16.96
EY7.87%
EPS(NY)17.5
Fwd EY8.12%
FCF(TTM)26.17
FCFY12.14%
OCF(TTM)26.72
OCFY12.4%
SpS39.94
BVpS147.82
TBVpS136.92
PEG (NY)3.98
PEG (5Y)0.57
Graham Number237.503 (10.21%)
Profitability
Industry RankSector Rank
ROA 1.24%
ROE 11.46%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 42.43%
GM N/A
FCFM 65.51%
ROA(3y)1.15%
ROA(5y)1.08%
ROE(3y)11.2%
ROE(5y)11.29%
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 3Y2.79%
PM growth 5Y14.11%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 3.82
Debt/FCF 21.56
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 1.39%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 154.39%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC8.37%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)1.46%
Cap/Sales(5y)1.59%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-0.99%
EPS 3Y4.34%
EPS 5Y22.22%
EPS Q2Q%16.95%
EPS Next Y3.19%
EPS Next 2Y5.26%
EPS Next 3Y5.7%
EPS Next 5YN/A
Revenue 1Y (TTM)22.13%
Revenue growth 3Y21.19%
Revenue growth 5Y16.96%
Sales Q2Q%7.89%
Revenue Next Year0.63%
Revenue Next 2Y2.86%
Revenue Next 3Y3.77%
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 1Y224.28%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y229.93%
OCF growth 3YN/A
OCF growth 5YN/A

SPAREBANK 1 SOR-NORGE ASA / SB1NO.OL Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for SPAREBANK 1 SOR-NORGE ASA?

ChartMill assigns a fundamental rating of 3 / 10 to SB1NO.OL.


What is the valuation status for SB1NO stock?

ChartMill assigns a valuation rating of 3 / 10 to SPAREBANK 1 SOR-NORGE ASA (SB1NO.OL). This can be considered as Overvalued.


What is the profitability of SB1NO stock?

SPAREBANK 1 SOR-NORGE ASA (SB1NO.OL) has a profitability rating of 4 / 10.


What is the valuation of SPAREBANK 1 SOR-NORGE ASA based on its PE and PB ratios?

The Price/Earnings (PE) ratio for SPAREBANK 1 SOR-NORGE ASA (SB1NO.OL) is 12.71 and the Price/Book (PB) ratio is 1.46.


Is the dividend of SPAREBANK 1 SOR-NORGE ASA sustainable?

The dividend rating of SPAREBANK 1 SOR-NORGE ASA (SB1NO.OL) is 6 / 10 and the dividend payout ratio is 50.15%.