SPAREBANK 1 SOR-NORGE ASA (SB1NO.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:SB1NO - NO0010631567 - Common Stock
185.2 NOK
0 (0%)
We assign a fundamental rating of 3 out of 10 to SB1NO. SB1NO was compared to 113 industry peers in the Banks industry. Both the profitability and financial health of SB1NO have multiple concerns. SB1NO is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
SB1NO had positive earnings in the past year.
SB1NO had a positive operating cash flow in the past year.
Each year in the past 5 years SB1NO has been profitable.
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 1.21%, SB1NO is in the better half of the industry, outperforming 79.65% of the companies in the same industry.
The Return On Equity of SB1NO (11.37%) is comparable to the rest of the 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
The Profit Margin of SB1NO (41.19%) is better than 92.92% of its industry peers.
In the last couple of years the Profit Margin of SB1NO has remained more or less at the same level.
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) | 41.19% | ||
| 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.
Compared to 1 year ago, SB1NO has more shares outstanding
SB1NO has more shares outstanding than it did 5 years ago.
SB1NO has about the same debt/assets ratio as last year.
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.
SB1NO's Debt to FCF ratio of 38.93 is fine compared to the rest of the industry. SB1NO outperforms 62.83% of its industry peers.
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 80.53% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.98 | ||
| Debt/FCF | 38.93 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.06%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
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
The Earnings Per Share is expected to grow by 2.14% on average over the next years.
Based on estimates for the next years, SB1NO will show a small growth in Revenue. The Revenue will grow by 7.39% on average per year.
EPS Next Y-0.81%
EPS Next 2Y0.43%
EPS Next 3Y2.14%
EPS Next 5YN/A
Revenue Next Year24.05%
Revenue Next 2Y11.66%
Revenue Next 3Y7.39%
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.
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
The Price/Earnings ratio is 11.31, which indicates a very decent valuation of SB1NO.
Compared to the rest of the industry, the Price/Earnings ratio of SB1NO is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 26.59, SB1NO is valued rather cheaply.
SB1NO is valuated reasonably with a Price/Forward Earnings ratio of 10.72.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SB1NO is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 23.80. SB1NO is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.31 | ||
| Fwd PE | 10.72 |
4.2 Price Multiples
66.37% 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 | 12.6 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.62
EPS Next 2Y0.43%
EPS Next 3Y2.14%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.64%, SB1NO is a good candidate for dividend investing.
SB1NO's Dividend Yield is comparable with the industry average which is at 4.84.
SB1NO's Dividend Yield is rather good when compared to the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.64% |
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 2Y0.43%
EPS Next 3Y2.14%
OSL:SB1NO (12/11/2025, 11:09:40 AM)
185.2
0 (0%)
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 Cap69.54B
Revenue(TTM)14.92B
Net Income(TTM)6.14B
Analysts76
Price Target189.92 (2.55%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.64% |
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)-0.15%
EPS NQ rev (3m)-0.15%
EPS NY rev (1m)-0.33%
EPS NY rev (3m)0.9%
Revenue NQ rev (1m)-0.45%
Revenue NQ rev (3m)-0.22%
Revenue NY rev (1m)0.76%
Revenue NY rev (3m)0.97%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.31 | ||
| Fwd PE | 10.72 | ||
| P/S | 4.66 | ||
| P/FCF | 12.6 | ||
| P/OCF | 12.02 | ||
| P/B | 1.29 | ||
| P/tB | 1.39 | ||
| EV/EBITDA | N/A |
EPS(TTM)16.37
EY8.84%
EPS(NY)17.28
Fwd EY9.33%
FCF(TTM)14.7
FCFY7.94%
OCF(TTM)15.41
OCFY8.32%
SpS39.73
BVpS143.98
TBVpS133.14
PEG (NY)N/A
PEG (5Y)1.62
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
WACC8.06%
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 Y-0.81%
EPS Next 2Y0.43%
EPS Next 3Y2.14%
EPS Next 5YN/A
Revenue 1Y (TTM)22.69%
Revenue growth 3Y15.76%
Revenue growth 5Y11.1%
Sales Q2Q%28.82%
Revenue Next Year24.05%
Revenue Next 2Y11.66%
Revenue Next 3Y7.39%
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 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 decline by -0.81% 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 6 / 10 and the dividend payout ratio is 51.94%.