SPAREBANK 1 SOR-NORGE ASA(OSL:SB1NO) stock Fundamental Analysis

Fundamental Rating

SB1NO gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 92 industry peers in the Banks industry. SB1NO has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, SB1NO is valued expensive at the moment. Finally SB1NO also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year SB1NO was profitable.

In the past year SB1NO has reported a negative cash flow from operations.

SB1NO had positive earnings in each of the past 5 years.

SB1NO had negative operating cash flow in 4 of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 1.11%, SB1NO is in the better half of the industry, outperforming 75.00% of the companies in the same industry.

Looking at the Return On Equity, with a value of 9.99%, SB1NO is in line with its industry, outperforming 50.00% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.11%
ROE	9.99%
ROIC	N/A

ROA(3y)1.05%

ROA(5y)0.94%

ROE(3y)11.21%

ROE(5y)10.14%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

SB1NO's Profit Margin of 41.04% is amongst the best of the industry. SB1NO outperforms 92.39% of its industry peers.

SB1NO's Profit Margin has been stable in the last couple of years.

The Operating Margin and Gross Margin are not available for SB1NO so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	41.04%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y0.81%

PM growth 5Y-1.22%

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

SB1NO does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, SB1NO has more shares outstanding

The number of shares outstanding for SB1NO has been increased compared to 5 years ago.

The debt/assets ratio for SB1NO has remained at the same level compared to a year ago.

2.2 Solvency

A Debt/Equity ratio of 3.84 is on the high side and indicates that SB1NO has dependencies on debt financing.

The Debt to Equity ratio of SB1NO (3.84) is worse than 79.35% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	3.84
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC4.86%

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

SB1NO shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -1.93%.

The Earnings Per Share has been growing slightly by 6.99% on average over the past years.

The Revenue has grown by 20.72% in the past year. This is a very strong growth!

SB1NO shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.10% yearly.

EPS 1Y (TTM)-1.93%

EPS 3Y12.35%

EPS 5Y6.99%

EPS Q2Q%2.58%

Revenue 1Y (TTM)20.72%

Revenue growth 3Y15.76%

Revenue growth 5Y11.1%

Sales Q2Q%32.07%

3.2 Future

SB1NO is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.09% yearly.

The Revenue is expected to grow by 8.39% on average over the next years. This is quite good.

EPS Next Y-5.65%

EPS Next 2Y-1.16%

EPS Next 3Y1.09%

EPS Next 5YN/A

Revenue Next Year21.02%

Revenue Next 2Y11.14%

Revenue Next 3Y8.39%

Revenue Next 5YN/A

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.

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4. Valuation

4.1 Price/Earnings Ratio

SB1NO is valuated reasonably with a Price/Earnings ratio of 10.22.

68.48% of the companies in the same industry are cheaper than SB1NO, based on the Price/Earnings ratio.

SB1NO's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.20.

With a Price/Forward Earnings ratio of 10.53, the valuation of SB1NO can be described as very reasonable.

Based on the Price/Forward Earnings ratio, SB1NO is valued a bit more expensive than 61.96% of the companies in the same industry.

SB1NO is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.13, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	10.22
Fwd PE	10.53

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)1.46

EPS Next 2Y-1.16%

EPS Next 3Y1.09%

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5. Dividend

5.1 Amount

SB1NO has a Yearly Dividend Yield of 4.62%, which is a nice return.

Compared to an average industry Dividend Yield of 5.03, SB1NO has a dividend in line with its industry peers.

SB1NO's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.

		Industry Rank	Sector Rank
Dividend Yield	4.62%

5.2 History

The dividend of SB1NO is nicely growing with an annual growth rate of 6.63%!

Dividend Growth(5Y)6.63%

Div Incr YearsN/A

Div Non Decr YearsN/A

5.3 Sustainability

36.52% of the earnings are spent on dividend by SB1NO. This is a low number and sustainable payout ratio.

The dividend of SB1NO is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP36.52%

EPS Next 2Y-1.16%

EPS Next 3Y1.09%

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SPAREBANK 1 SOR-NORGE ASA

OSL:SB1NO (5/28/2025, 7:00:00 PM)

176.2

-3.4 (-1.89%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)05-08 2025-05-08/bmo

Earnings (Next)08-07 2025-08-07

Inst Owners26.03%

Inst Owner ChangeN/A

Ins Owners0.12%

Ins Owner ChangeN/A

Market Cap66.16B

Analysts78.67

Price Target171.36 (-2.75%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.62%

Yearly Dividend6.2

Dividend Growth(5Y)6.63%

DP36.52%

Div Incr YearsN/A

Div Non Decr YearsN/A

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-0.62%

Min EPS beat(2)-9.84%

Max EPS beat(2)8.6%

EPS beat(4)2

Avg EPS beat(4)2.37%

Min EPS beat(4)-9.84%

Max EPS beat(4)16.91%

EPS beat(8)4

Avg EPS beat(8)2.73%

EPS beat(12)7

Avg EPS beat(12)8.21%

EPS beat(16)10

Avg EPS beat(16)8.63%

Revenue beat(2)1

Avg Revenue beat(2)1.21%

Min Revenue beat(2)-2.79%

Max Revenue beat(2)5.21%

Revenue beat(4)1

Avg Revenue beat(4)-0.28%

Min Revenue beat(4)-3.36%

Max Revenue beat(4)5.21%

Revenue beat(8)5

Avg Revenue beat(8)8.65%

Revenue beat(12)9

Avg Revenue beat(12)8.96%

Revenue beat(16)13

Avg Revenue beat(16)9.24%

PT rev (1m)3.07%

PT rev (3m)2.96%

EPS NQ rev (1m)0.83%

EPS NQ rev (3m)N/A

EPS NY rev (1m)0%

EPS NY rev (3m)0.49%

Revenue NQ rev (1m)1.87%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0.59%

Revenue NY rev (3m)6.13%

Valuation

		Industry Rank	Sector Rank
PE	10.22
Fwd PE	10.53
P/S	5
P/FCF	N/A
P/OCF	N/A
P/B	1.22
P/tB	1.32
EV/EBITDA	N/A

EPS(TTM)17.24

EY9.78%

EPS(NY)16.74

Fwd EY9.5%

FCF(TTM)-5.57

FCFYN/A

OCF(TTM)-4.99

OCFYN/A

SpS35.22

BVpS144.72

TBVpS133.87

PEG (NY)N/A

PEG (5Y)1.46

Profitability

		Industry Rank	Sector Rank
ROA	1.11%
ROE	9.99%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	41.04%
GM	N/A
FCFM	N/A

ROA(3y)1.05%

ROA(5y)0.94%

ROE(3y)11.21%

ROE(5y)10.14%

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 3Y0.81%

PM growth 5Y-1.22%

GM growth 3YN/A

GM growth 5YN/A

F-Score2

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	3.84
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	1.63%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score2

WACC4.86%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)1.38%

Cap/Sales(5y)1.45%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-1.93%

EPS 3Y12.35%

EPS 5Y6.99%

EPS Q2Q%2.58%

EPS Next Y-5.65%

EPS Next 2Y-1.16%

EPS Next 3Y1.09%

EPS Next 5YN/A

Revenue 1Y (TTM)20.72%

Revenue growth 3Y15.76%

Revenue growth 5Y11.1%

Sales Q2Q%32.07%

Revenue Next Year21.02%

Revenue Next 2Y11.14%

Revenue Next 3Y8.39%

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 1Y90.85%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y91.76%

OCF growth 3YN/A

OCF growth 5YN/A

SPAREBANK 1 SOR-NORGE ASA (SB1NO.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