SPAREBANK 1 SOR-NORGE ASA (SB1NO.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:SB1NO - NO0010631567 - Common Stock
196.4 NOK
+0.8 (+0.41%)
SB1NO gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 114 industry peers in the Banks industry. SB1NO has a bad profitability rating. Also its financial health evaluation is rather negative. SB1NO has a decent growth rate and is not valued too expensively. SB1NO also has an excellent dividend rating.
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.
In the past 5 years SB1NO reported 4 times negative operating cash flow.
1.2 Ratios
SB1NO has a better Return On Assets (1.21%) than 76.32% of its industry peers.
With a Return On Equity value of 11.37%, SB1NO perfoms like the industry average, outperforming 52.63% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
SB1NO's Profit Margin of 41.19% is amongst the best of the industry. SB1NO outperforms 92.11% of its industry peers.
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) | 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
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.
SB1NO has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, SB1NO has about the same debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of SB1NO is 38.93, which is on the high side as it means it would take SB1NO, 38.93 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 38.93, SB1NO is in the better half of 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.
SB1NO has a Debt to Equity ratio of 3.98. This is amonst the worse of the industry: SB1NO underperforms 81.58% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.98 | ||
| Debt/FCF | 38.93 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.21%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for SB1NO have decreased strongly by -14.43% 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 22.69%.
The Revenue has been growing by 11.10% on average over the past years. This is quite good.
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 2.45% on average per year.
SB1NO is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.99% yearly.
EPS Next Y2.23%
EPS Next 2Y0.76%
EPS Next 3Y2.45%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 12.00, the valuation of SB1NO can be described as reasonable.
The rest of the industry has a similar Price/Earnings ratio as SB1NO.
SB1NO's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.59.
A Price/Forward Earnings ratio of 11.29 indicates a reasonable valuation of SB1NO.
The rest of the industry has a similar Price/Forward Earnings ratio as SB1NO.
SB1NO is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.03, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12 | ||
| Fwd PE | 11.29 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, SB1NO is valued a bit cheaper than the industry average as 68.42% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.36 | ||
| EV/EBITDA | N/A |
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)5.37
PEG (5Y)1.72
EPS Next 2Y0.76%
EPS Next 3Y2.45%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.43%, SB1NO is a good candidate for dividend investing.
SB1NO's Dividend Yield is a higher than the industry average which is at 4.12.
SB1NO's Dividend Yield is rather good when compared to the S&P500 average which is at 1.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.43% |
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 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 2Y0.76%
EPS Next 3Y2.45%
OSL:SB1NO (12/23/2025, 7:00:00 PM)
196.4
+0.8 (+0.41%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners25.35%
Inst Owner ChangeN/A
Ins Owners0.16%
Ins Owner ChangeN/A
Market Cap73.74B
Revenue(TTM)14.92B
Net Income(TTM)6.14B
Analysts76
Price Target189.92 (-3.3%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.43% |
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)0.87%
PT rev (3m)0.98%
EPS NQ rev (1m)3.98%
EPS NQ rev (3m)3.98%
EPS NY rev (1m)2.72%
EPS NY rev (3m)3.99%
Revenue NQ rev (1m)-0.7%
Revenue NQ rev (3m)-0.48%
Revenue NY rev (1m)0.55%
Revenue NY rev (3m)0.66%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12 | ||
| Fwd PE | 11.29 | ||
| P/S | 4.94 | ||
| P/FCF | 13.36 | ||
| P/OCF | 12.74 | ||
| P/B | 1.36 | ||
| P/tB | 1.48 | ||
| EV/EBITDA | N/A |
EPS(TTM)16.37
EY8.34%
EPS(NY)17.39
Fwd EY8.85%
FCF(TTM)14.7
FCFY7.49%
OCF(TTM)15.41
OCFY7.85%
SpS39.73
BVpS143.98
TBVpS133.14
PEG (NY)5.37
PEG (5Y)1.72
Graham Number230.29
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC8.21%
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 Y2.23%
EPS Next 2Y0.76%
EPS Next 3Y2.45%
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
What is the fundamental rating for SB1NO stock?
ChartMill assigns a fundamental rating of 3 / 10 to SB1NO.OL.
Can you provide the valuation status for SPAREBANK 1 SOR-NORGE ASA?
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 is the earnings growth outlook for SPAREBANK 1 SOR-NORGE ASA?
The Earnings per Share (EPS) of SPAREBANK 1 SOR-NORGE ASA (SB1NO.OL) is expected to grow by 2.23% in the next year.
Can you provide the dividend sustainability for SB1NO stock?
The dividend rating of SPAREBANK 1 SOR-NORGE ASA (SB1NO.OL) is 7 / 10 and the dividend payout ratio is 51.94%.