SB1NO Fundamental Analysis - SPAREBANK 1 SOR-NORGE ASA

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to SB1NO. SB1NO was compared to 96 industry peers in the Banks industry. Both the profitability and financial health of SB1NO have multiple concerns. SB1NO has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

SB1NO had positive earnings in the past year.

In the past year SB1NO had a positive cash flow from operations.

In the past 5 years SB1NO has always been profitable.

In the past 5 years SB1NO reported 4 times negative operating cash flow.

1.2 Ratios

SB1NO has a better Return On Assets (1.15%) than 80.21% of its industry peers.

SB1NO has a Return On Equity (11.26%) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
ROA	1.15%
ROE	11.26%
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 has a better Profit Margin (40.48%) than 91.67% of its industry peers.

In the last couple of years the Profit Margin of SB1NO has remained more or less at the same level.

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)	40.48%
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

Compared to 5 years ago, SB1NO has more shares outstanding

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

2.2 Solvency

SB1NO has a debt to FCF ratio of 73.80. This is a negative value and a sign of low solvency as SB1NO would need 73.80 years to pay back of all of its debts.

SB1NO's Debt to FCF ratio of 73.80 is fine compared to the rest of the industry. SB1NO outperforms 67.71% of its industry peers.

A Debt/Equity ratio of 4.23 is on the high side and indicates that SB1NO has dependencies on debt financing.

The Debt to Equity ratio of SB1NO (4.23) is worse than 80.21% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	4.23
Debt/FCF	73.8
Altman-Z	N/A

ROIC/WACCN/A

WACC7.8%

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

The earnings per share for SB1NO have decreased by -3.41% in the last year.

SB1NO shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.99% yearly.

Looking at the last year, SB1NO shows a very strong growth in Revenue. The Revenue has grown by 32.47%.

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)-3.41%

EPS 3Y12.35%

EPS 5Y6.99%

EPS Q2Q%0.71%

Revenue 1Y (TTM)32.47%

Revenue growth 3Y15.76%

Revenue growth 5Y11.1%

Sales Q2Q%46.34%

3.2 Future

SB1NO is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.44% yearly.

Based on estimates for the next years, SB1NO will show a small growth in Revenue. The Revenue will grow by 7.73% on average per year.

EPS Next Y-1.69%

EPS Next 2Y-0.05%

EPS Next 3Y1.44%

EPS Next 5YN/A

Revenue Next Year22.85%

Revenue Next 2Y11.98%

Revenue Next 3Y7.73%

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

SB1NO is valuated reasonably with a Price/Earnings ratio of 9.97.

SB1NO's Price/Earnings is on the same level as the industry average.

The average S&P500 Price/Earnings ratio is at 26.84. SB1NO is valued rather cheaply when compared to this.

SB1NO is valuated reasonably with a Price/Forward Earnings ratio of 10.06.

SB1NO's Price/Forward Earnings ratio is in line with the industry average.

When comparing the Price/Forward Earnings ratio of SB1NO to the average of the S&P500 Index (22.48), we can say SB1NO is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.97
Fwd PE	10.06

4.2 Price Multiples

SB1NO's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. SB1NO is cheaper than 68.75% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	21.5
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)1.43

EPS Next 2Y-0.05%

EPS Next 3Y1.44%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.81%, SB1NO is a good candidate for dividend investing.

SB1NO's Dividend Yield is comparable with the industry average which is at 5.01.

Compared to an average S&P500 Dividend Yield of 2.32, SB1NO pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.81%

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 Years0

Div Non Decr Years0

5.3 Sustainability

SB1NO pays out 54.06% of its income as dividend. This is a bit on the high side, but may be sustainable.

SB1NO's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP54.06%

EPS Next 2Y-0.05%

EPS Next 3Y1.44%

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SPAREBANK 1 SOR-NORGE ASA

OSL:SB1NO (9/3/2025, 7:00:00 PM)

172.2

-2.8 (-1.6%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)08-07 2025-08-07/bmo

Earnings (Next)10-30 2025-10-30

Inst Owners25.73%

Inst Owner ChangeN/A

Ins Owners0.15%

Ins Owner ChangeN/A

Market Cap64.65B

Analysts73.75

Price Target187.17 (8.69%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.81%

Yearly Dividend6.2

Dividend Growth(5Y)6.63%

DP54.06%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)3.19%

Min EPS beat(2)-2.22%

Max EPS beat(2)8.6%

EPS beat(4)2

Avg EPS beat(4)3.36%

Min EPS beat(4)-9.84%

Max EPS beat(4)16.91%

EPS beat(8)4

Avg EPS beat(8)3.7%

EPS beat(12)6

Avg EPS beat(12)7.62%

EPS beat(16)9

Avg EPS beat(16)7.64%

Revenue beat(2)2

Avg Revenue beat(2)2.85%

Min Revenue beat(2)0.48%

Max Revenue beat(2)5.21%

Revenue beat(4)2

Avg Revenue beat(4)0.68%

Min Revenue beat(4)-2.79%

Max Revenue beat(4)5.21%

Revenue beat(8)5

Avg Revenue beat(8)7.48%

Revenue beat(12)9

Avg Revenue beat(12)8.99%

Revenue beat(16)13

Avg Revenue beat(16)8.78%

PT rev (1m)0.92%

PT rev (3m)9.23%

EPS NQ rev (1m)-2.01%

EPS NQ rev (3m)N/A

EPS NY rev (1m)4.19%

EPS NY rev (3m)4.19%

Revenue NQ rev (1m)-0.79%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)-0.3%

Revenue NY rev (3m)1.52%

Valuation

		Industry Rank	Sector Rank
PE	9.97
Fwd PE	10.06
P/S	4.43
P/FCF	21.5
P/OCF	19.75
P/B	1.23
P/tB	1.34
EV/EBITDA	N/A

EPS(TTM)17.27

EY10.03%

EPS(NY)17.11

Fwd EY9.94%

FCF(TTM)8.01

FCFY4.65%

OCF(TTM)8.72

OCFY5.06%

SpS38.84

BVpS139.61

TBVpS128.77

PEG (NY)N/A

PEG (5Y)1.43

Profitability

		Industry Rank	Sector Rank
ROA	1.15%
ROE	11.26%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	40.48%
GM	N/A
FCFM	20.62%

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-Score4

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	4.23
Debt/FCF	73.8
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	1.82%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	50.94%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC7.8%

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)-3.41%

EPS 3Y12.35%

EPS 5Y6.99%

EPS Q2Q%0.71%

EPS Next Y-1.69%

EPS Next 2Y-0.05%

EPS Next 3Y1.44%

EPS Next 5YN/A

Revenue 1Y (TTM)32.47%

Revenue growth 3Y15.76%

Revenue growth 5Y11.1%

Sales Q2Q%46.34%

Revenue Next Year22.85%

Revenue Next 2Y11.98%

Revenue Next 3Y7.73%

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 1Y122.47%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y124.69%

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

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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