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

OSL:SB1NO • NO0010631567

201 NOK
0 (0%)
Last: Feb 13, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

SB1NO gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 109 industry peers in the Banks industry. SB1NO may be in some trouble as it scores bad on both profitability and health. SB1NO has a correct valuation and a medium growth rate. Finally SB1NO also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

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.
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 0 5B -5B -10B -15B

1.2 Ratios

  • SB1NO has a better Return On Assets (1.21%) than 75.44% of its industry peers.
  • SB1NO has a Return On Equity (11.37%) which is comparable to the rest of the industry.
Industry RankSector Rank
ROA 1.21%
ROE 11.37%
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
SB1NO.OL Yearly ROA, ROE, ROICSB1NO.OL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • SB1NO has a better Profit Margin (41.19%) than 89.47% 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 RankSector Rank
OM N/A
PM (TTM) 41.19%
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
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 10 20 30 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

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
  • SB1NO has about the same debt/assets ratio as last year.
SB1NO.OL Yearly Shares OutstandingSB1NO.OL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 100B 200B 300B 400B

2.2 Solvency

  • SB1NO has a debt to FCF ratio of 38.93. This is a negative value and a sign of low solvency as SB1NO would need 38.93 years to pay back of all of its debts.
  • With a decent Debt to FCF ratio value of 38.93, SB1NO is doing good in the industry, outperforming 64.04% of the companies in the same industry.
  • A Debt/Equity ratio of 3.98 is on the high side and indicates that SB1NO has dependencies on debt financing.
  • The Debt to Equity ratio of SB1NO (3.98) is worse than 86.84% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.98
Debt/FCF 38.93
Altman-Z N/A
ROIC/WACCN/A
WACC8.11%
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 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 5B 10B 15B 20B 25B

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

4

3. Growth

3.1 Past

  • SB1NO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -14.43%.
  • SB1NO shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.99% yearly.
  • The Revenue has grown by 22.69% in the past year. This is a very strong growth!
  • 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)-14.43%
EPS 3Y12.35%
EPS 5Y6.99%
EPS Q2Q%-17.34%
Revenue 1Y (TTM)22.69%
Revenue growth 3Y15.76%
Revenue growth 5Y11.1%
Sales Q2Q%28.82%

3.2 Future

  • Based on estimates for the next years, SB1NO will show a small growth in Earnings Per Share. The EPS will grow by 2.47% on average per year.
  • The Revenue is expected to grow by 6.99% on average over the next years.
EPS Next Y1.86%
EPS Next 2Y0.28%
EPS Next 3Y2.47%
EPS Next 5YN/A
Revenue Next Year23.79%
Revenue Next 2Y11.55%
Revenue Next 3Y6.99%
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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 5B 10B
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 5 10 15

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4

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 12.28, which indicates a correct valuation of SB1NO.
  • Compared to the rest of the industry, the Price/Earnings ratio of SB1NO indicates a slightly more expensive valuation: SB1NO is more expensive than 68.42% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.68. SB1NO is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 11.67, the valuation of SB1NO can be described as very reasonable.
  • SB1NO's Price/Forward Earnings ratio is in line with the industry average.
  • SB1NO's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.06.
Industry RankSector Rank
PE 12.28
Fwd PE 11.67
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 69.30% of the companies in the same industry.
Industry RankSector Rank
P/FCF 13.67
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)6.61
PEG (5Y)1.76
EPS Next 2Y0.28%
EPS Next 3Y2.47%

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

7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 5.97%, SB1NO is a good candidate for dividend investing.
  • SB1NO's Dividend Yield is a higher than the industry average which is at 4.35.
  • SB1NO's Dividend Yield is rather good when compared to the S&P500 average which is at 1.84.
Industry RankSector Rank
Dividend Yield 5.97%

5.2 History

  • On average, the dividend of SB1NO grows each year by 6.63%, which is quite nice.
Dividend Growth(5Y)6.63%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • SB1NO pays out 51.94% 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.
DP51.94%
EPS Next 2Y0.28%
EPS Next 3Y2.47%
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 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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SPAREBANK 1 SOR-NORGE ASA

OSL:SB1NO (2/13/2026, 7:00:00 PM)

201

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-12
Earnings (Next)05-07
Inst Owners25.4%
Inst Owner ChangeN/A
Ins Owners0.15%
Ins Owner ChangeN/A
Market Cap75.47B
Revenue(TTM)14.92B
Net Income(TTM)6.14B
Analysts77.33
Price Target195.02 (-2.98%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.97%
Yearly Dividend6.2
Dividend Growth(5Y)6.63%
DP51.94%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.87%
Min EPS beat(2)-2.22%
Max EPS beat(2)7.96%
EPS beat(4)2
Avg EPS beat(4)1.12%
Min EPS beat(4)-9.84%
Max EPS beat(4)8.6%
EPS beat(8)5
Avg EPS beat(8)5.4%
EPS beat(12)6
Avg EPS beat(12)8.21%
EPS beat(16)10
Avg EPS beat(16)8.33%
Revenue beat(2)2
Avg Revenue beat(2)2.4%
Min Revenue beat(2)0.48%
Max Revenue beat(2)4.32%
Revenue beat(4)3
Avg Revenue beat(4)1.81%
Min Revenue beat(4)-2.79%
Max Revenue beat(4)5.21%
Revenue beat(8)5
Avg Revenue beat(8)7.38%
Revenue beat(12)9
Avg Revenue beat(12)8.24%
Revenue beat(16)13
Avg Revenue beat(16)8.46%
PT rev (1m)2.69%
PT rev (3m)3.58%
EPS NQ rev (1m)-1.67%
EPS NQ rev (3m)0.73%
EPS NY rev (1m)0%
EPS NY rev (3m)2.35%
Revenue NQ rev (1m)-1.46%
Revenue NQ rev (3m)-2.15%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.55%
Valuation
Industry RankSector Rank
PE 12.28
Fwd PE 11.67
P/S 5.06
P/FCF 13.67
P/OCF 13.04
P/B 1.4
P/tB 1.51
EV/EBITDA N/A
EPS(TTM)16.37
EY8.14%
EPS(NY)17.23
Fwd EY8.57%
FCF(TTM)14.7
FCFY7.31%
OCF(TTM)15.41
OCFY7.67%
SpS39.73
BVpS143.98
TBVpS133.14
PEG (NY)6.61
PEG (5Y)1.76
Graham Number230.29
Profitability
Industry RankSector Rank
ROA 1.21%
ROE 11.37%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 41.19%
GM N/A
FCFM 37%
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
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 3Y0.81%
PM growth 5Y-1.22%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 3.98
Debt/FCF 38.93
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 1.78%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 89.84%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC8.11%
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)-14.43%
EPS 3Y12.35%
EPS 5Y6.99%
EPS Q2Q%-17.34%
EPS Next Y1.86%
EPS Next 2Y0.28%
EPS Next 3Y2.47%
EPS Next 5YN/A
Revenue 1Y (TTM)22.69%
Revenue growth 3Y15.76%
Revenue growth 5Y11.1%
Sales Q2Q%28.82%
Revenue Next Year23.79%
Revenue Next 2Y11.55%
Revenue Next 3Y6.99%
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 1Y479.38%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y536.68%
OCF growth 3YN/A
OCF growth 5YN/A

SPAREBANK 1 SOR-NORGE ASA / SB1NO.OL 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 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 3 / 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 12.28 and the Price/Book (PB) ratio is 1.4.


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 1.86% in the next year.