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

OSL:SB1NO • NO0010631567

Current stock price

205 NOK
+4 (+1.99%)
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

  • SB1NO had positive earnings in the past year.
  • SB1NO had a positive operating cash flow in the past year.
  • In the past 5 years SB1NO has always 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 76.99% of its industry peers.
  • SB1NO has a Return On Equity (11.47%) which is in line with its industry peers.
Industry RankSector Rank
ROA 1.24%
ROE 11.47%
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

  • With an excellent Profit Margin value of 42.67%, SB1NO belongs to the best of the industry, outperforming 92.04% of the companies in the same industry.
  • SB1NO's Profit Margin has improved in the last couple of years.
  • SB1NO does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 42.67%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.59%
PM growth 5Y13.97%
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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2

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.
  • Compared to 1 year ago, SB1NO has about the same amount of shares outstanding.
  • Compared to 5 years ago, SB1NO has more shares outstanding
  • SB1NO has a better debt/assets ratio than last year.
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.
  • Looking at the Debt to FCF ratio, with a value of 21.56, SB1NO is in the better half of the industry, outperforming 63.72% of the companies in the same industry.
  • A Debt/Equity ratio of 3.82 is on the high side and indicates that SB1NO has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 3.82, SB1NO is doing worse than 88.50% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 3.82
Debt/FCF 21.56
Altman-Z N/A
ROIC/WACCN/A
WACC8.3%
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

  • SB1NO shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -0.99%.
  • SB1NO shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 22.22% yearly.
  • The Revenue has grown by 21.45% in the past year. This is a very strong growth!
  • The Revenue has been growing by 17.10% on average over the past years. This is quite good.
EPS 1Y (TTM)-0.99%
EPS 3Y4.34%
EPS 5Y22.22%
EPS Q2Q%16.95%
Revenue 1Y (TTM)21.45%
Revenue growth 3Y21.43%
Revenue growth 5Y17.1%
Sales Q2Q%7.89%

3.2 Future

  • Based on estimates for the next years, SB1NO will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.02% on average per year.
  • SB1NO is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.77% yearly.
EPS Next Y1.32%
EPS Next 2Y4.76%
EPS Next 3Y8.02%
EPS Next 5YN/A
Revenue Next Year-0.01%
Revenue Next 2Y2.35%
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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4

4. SB1NO.OL Valuation Analysis

4.1 Price/Earnings Ratio

  • SB1NO is valuated correctly with a Price/Earnings ratio of 12.09.
  • 69.03% 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 26.11.
  • The Price/Forward Earnings ratio is 11.93, which indicates a very decent valuation of SB1NO.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of SB1NO indicates a slightly more expensive valuation: SB1NO is more expensive than 68.14% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of SB1NO to the average of the S&P500 Index (24.12), we can say SB1NO is valued rather cheaply.
Industry RankSector Rank
PE 12.09
Fwd PE 11.93
SB1NO.OL Price Earnings VS Forward Price EarningsSB1NO.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, SB1NO is valued a bit cheaper than 73.45% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.83
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 an expensive valuation of the company.
PEG (NY)9.13
PEG (5Y)0.54
EPS Next 2Y4.76%
EPS Next 3Y8.02%

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

6

5. SB1NO.OL Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 5.87%, SB1NO is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.66, SB1NO pays a bit more dividend than its industry peers.
  • SB1NO's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 5.87%

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 2Y4.76%
EPS Next 3Y8.02%
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 (3/18/2026, 4:26:15 PM)

205

+4 (+1.99%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-12
Earnings (Next)05-07
Inst Owners25.11%
Inst Owner ChangeN/A
Ins Owners0.15%
Ins Owner ChangeN/A
Market Cap76.97B
Revenue(TTM)14.91B
Net Income(TTM)6.36B
Analysts77.33
Price Target204 (-0.49%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.87%
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)4.6%
PT rev (3m)7.41%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.25%
EPS NY rev (3m)-0.53%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.46%
Revenue NY rev (3m)-0.64%
Valuation
Industry RankSector Rank
PE 12.09
Fwd PE 11.93
P/S 5.16
P/FCF 7.83
P/OCF 7.67
P/B 1.39
P/tB 1.5
EV/EBITDA N/A
EPS(TTM)16.96
EY8.27%
EPS(NY)17.18
Fwd EY8.38%
FCF(TTM)26.17
FCFY12.76%
OCF(TTM)26.72
OCFY13.03%
SpS39.72
BVpS147.81
TBVpS136.91
PEG (NY)9.13
PEG (5Y)0.54
Graham Number237.49
Profitability
Industry RankSector Rank
ROA 1.24%
ROE 11.47%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 42.67%
GM N/A
FCFM 65.88%
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 3Y2.59%
PM growth 5Y13.97%
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
WACC8.3%
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 Y1.32%
EPS Next 2Y4.76%
EPS Next 3Y8.02%
EPS Next 5YN/A
Revenue 1Y (TTM)21.45%
Revenue growth 3Y21.43%
Revenue growth 5Y17.1%
Sales Q2Q%7.89%
Revenue Next Year-0.01%
Revenue Next 2Y2.35%
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 4 / 10 to SB1NO.OL.


What is the valuation status of SPAREBANK 1 SOR-NORGE ASA (SB1NO.OL) stock?

ChartMill assigns a valuation rating of 4 / 10 to SPAREBANK 1 SOR-NORGE ASA (SB1NO.OL). This can be considered as Fairly Valued.


Can you provide the profitability details for SPAREBANK 1 SOR-NORGE ASA?

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


What are the PE and PB ratios of SPAREBANK 1 SOR-NORGE ASA (SB1NO.OL) stock?

The Price/Earnings (PE) ratio for SPAREBANK 1 SOR-NORGE ASA (SB1NO.OL) is 12.09 and the Price/Book (PB) ratio is 1.39.


What is the expected EPS growth for SPAREBANK 1 SOR-NORGE ASA (SB1NO.OL) stock?

The Earnings per Share (EPS) of SPAREBANK 1 SOR-NORGE ASA (SB1NO.OL) is expected to grow by 1.32% in the next year.