SB1NO Fundamental Analysis - SPAREBANK 1 SOR-NORGE ASA

Fundamental Rating

Taking everything into account, SB1NO scores 3 out of 10 in our fundamental rating. SB1NO was compared to 96 industry peers in the Banks industry. SB1NO may be in some trouble as it scores bad on both profitability and health. SB1NO is quite expensive at the moment. It does show a decent growth rate. SB1NO also has an excellent dividend rating.

Quickly go to:

1. Profitability

1.1 Basic Checks

In the past year SB1NO was profitable.

SB1NO had a negative operating cash flow in the past year.

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.

SB1NO has a Return On Equity (9.99%) which is in line with its industry peers.

		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

The Profit Margin of SB1NO (41.04%) is better than 92.71% of its industry peers.

SB1NO's Profit Margin has been stable 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 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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

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

The number of shares outstanding for SB1NO has been increased compared to 1 year ago.

Compared to 5 years ago, SB1NO has more shares outstanding

Compared to 1 year ago, SB1NO has about the same debt to assets ratio.

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 79.17% 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

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

The earnings per share for SB1NO have decreased by -1.93% in the last year.

Measured over the past 5 years, SB1NO shows a small growth in Earnings Per Share. The EPS has been growing by 6.99% on average per year.

SB1NO shows a strong growth in Revenue. In the last year, the Revenue has grown by 20.72%.

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)-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

The Earnings Per Share is expected to grow by 1.09% on average over the next years.

Based on estimates for the next years, SB1NO will show a quite strong growth in Revenue. The Revenue will grow by 8.39% on average per year.

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

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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 10.37, the valuation of SB1NO can be described as reasonable.

Based on the Price/Earnings ratio, SB1NO is valued a bit more expensive than the industry average as 69.79% of the companies are valued more cheaply.

SB1NO's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.34.

Based on the Price/Forward Earnings ratio of 10.68, the valuation of SB1NO can be described as reasonable.

SB1NO's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. SB1NO is more expensive than 63.54% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 22.19. SB1NO is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	10.37
Fwd PE	10.68

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)1.48

EPS Next 2Y-1.16%

EPS Next 3Y1.09%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

SB1NO has a Yearly Dividend Yield of 4.69%, which is a nice return.

SB1NO's Dividend Yield is comparable with the industry average which is at 5.14.

Compared to an average S&P500 Dividend Yield of 2.40, SB1NO pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.69%

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 36.52% of its income as dividend. This is a sustainable payout ratio.

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

DP36.52%

EPS Next 2Y-1.16%

EPS Next 3Y1.09%

More info and screens

Find the best dividend stocks

Show peers with best dividend

SPAREBANK 1 SOR-NORGE ASA

OSL:SB1NO (6/19/2025, 4:19:56 PM)

178.8

-4.4 (-2.4%)

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 Owners25.73%

Inst Owner ChangeN/A

Ins Owners0.15%

Ins Owner ChangeN/A

Market Cap67.13B

Analysts74.67

Price Target180.95 (1.2%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.69%

Yearly Dividend6.2

Dividend Growth(5Y)6.63%

DP36.52%

Div Incr Years0

Div Non Decr Years0

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)5.6%

PT rev (3m)9.17%

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%

Revenue NY rev (3m)0.96%

Valuation

		Industry Rank	Sector Rank
PE	10.37
Fwd PE	10.68
P/S	5.08
P/FCF	N/A
P/OCF	N/A
P/B	1.24
P/tB	1.34
EV/EBITDA	N/A

EPS(TTM)17.24

EY9.64%

EPS(NY)16.74

Fwd EY9.36%

FCF(TTM)-5.57

FCFYN/A

OCF(TTM)-4.99

OCFYN/A

SpS35.22

BVpS144.72

TBVpS133.87

PEG (NY)N/A

PEG (5Y)1.48

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