SB1NO Fundamental Analysis - SPAREBANK 1 SOR-NORGE ASA

Fundamental Rating

SB1NO gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 97 industry peers in the Banks industry. SB1NO may be in some trouble as it scores bad on both profitability and health. SB1NO has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

In the past year SB1NO was profitable.

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

In the past 5 years SB1NO has always been profitable.

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

1.2 Ratios

SB1NO has a better Return On Assets (1.15%) than 78.35% of its industry peers.

The Return On Equity of SB1NO (11.26%) 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

Looking at the Profit Margin, with a value of 40.48%, SB1NO belongs to the top of the industry, outperforming 91.75% of the companies in the same industry.

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)	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

SB1NO has more shares outstanding than it did 5 years ago.

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

2.2 Solvency

The Debt to FCF ratio of SB1NO is 73.80, which is on the high side as it means it would take SB1NO, 73.80 years of fcf income to pay off all of its debts.

The Debt to FCF ratio of SB1NO (73.80) is better than 68.04% of its industry peers.

SB1NO has a Debt/Equity ratio of 4.23. This is a high value indicating a heavy dependency on external financing.

SB1NO's Debt to Equity ratio of 4.23 is on the low side compared to the rest of the industry. SB1NO is outperformed by 82.47% of its industry peers.

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

ROIC/WACCN/A

WACC7.79%

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%.

Measured over the past years, SB1NO shows a quite strong growth in Revenue. The Revenue has been growing by 11.10% on average per year.

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

The Earnings Per Share is expected to grow by 2.60% 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 7.58% yearly.

EPS Next Y-1.2%

EPS Next 2Y0.66%

EPS Next 3Y2.6%

EPS Next 5YN/A

Revenue Next Year22.97%

Revenue Next 2Y12.05%

Revenue Next 3Y7.58%

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

Based on the Price/Earnings ratio of 10.23, the valuation of SB1NO can be described as reasonable.

Compared to the rest of the industry, the Price/Earnings ratio of SB1NO is on the same level as its industry peers.

SB1NO's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.67.

The Price/Forward Earnings ratio is 10.18, which indicates a very decent valuation of SB1NO.

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

Compared to an average S&P500 Price/Forward Earnings ratio of 23.13, SB1NO is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.23
Fwd PE	10.18

4.2 Price Multiples

69.07% of the companies in the same industry are more expensive than SB1NO, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	22.06
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)1.46

EPS Next 2Y0.66%

EPS Next 3Y2.6%

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5. Dividend

5.1 Amount

SB1NO has a Yearly Dividend Yield of 4.83%, which is a nice return.

SB1NO's Dividend Yield is comparable with the industry average which is at 5.02.

Compared to an average S&P500 Dividend Yield of 2.41, SB1NO pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.83%

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

54.06% of the earnings are spent on dividend by SB1NO. 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 2Y0.66%

EPS Next 3Y2.6%

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SPAREBANK 1 SOR-NORGE ASA

OSL:SB1NO (9/29/2025, 11:03:29 AM)

176.7

+0.7 (+0.4%)

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 Owners25.35%

Inst Owner ChangeN/A

Ins Owners0.16%

Ins Owner ChangeN/A

Market Cap66.34B

Analysts74.67

Price Target188.09 (6.45%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.83%

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)0.49%

PT rev (3m)3.95%

EPS NQ rev (1m)-0.72%

EPS NQ rev (3m)N/A

EPS NY rev (1m)0.5%

EPS NY rev (3m)4.71%

Revenue NQ rev (1m)-0.35%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0.09%

Revenue NY rev (3m)1.61%

Valuation

		Industry Rank	Sector Rank
PE	10.23
Fwd PE	10.18
P/S	4.55
P/FCF	22.06
P/OCF	20.27
P/B	1.27
P/tB	1.37
EV/EBITDA	N/A

EPS(TTM)17.27

EY9.77%

EPS(NY)17.36

Fwd EY9.82%

FCF(TTM)8.01

FCFY4.53%

OCF(TTM)8.72

OCFY4.93%

SpS38.84

BVpS139.61

TBVpS128.77

PEG (NY)N/A

PEG (5Y)1.46

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

WACC7.79%

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-1.2%

EPS Next 2Y0.66%

EPS Next 3Y2.6%

EPS Next 5YN/A

Revenue 1Y (TTM)32.47%

Revenue growth 3Y15.76%

Revenue growth 5Y11.1%

Sales Q2Q%46.34%

Revenue Next Year22.97%

Revenue Next 2Y12.05%

Revenue Next 3Y7.58%

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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens