SPAREBANK 1 SOR-NORGE ASA (SB1NO.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:SB1NO - NO0010631567 - Common Stock
198.8 NOK
+0.8 (+0.4%)
Overall SB1NO gets a fundamental rating of 3 out of 10. We evaluated SB1NO against 111 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.
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.
- SB1NO had positive earnings in each of the past 5 years.
- In the past 5 years SB1NO reported 4 times negative operating cash flow.
1.2 Ratios
- The Return On Assets of SB1NO (1.21%) is better than 81.36% of its industry peers.
- SB1NO's Return On Equity of 11.37% is in line compared to the rest of the industry. SB1NO outperforms 55.93% of its industry peers.
| 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 has a better Profit Margin (41.19%) than 92.37% 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) | 41.19% | ||
| 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
- 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
- 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 61.02% of the companies in the same industry.
- SB1NO has a Debt/Equity ratio of 3.98. This is a high value indicating a heavy dependency on external financing.
- SB1NO has a worse Debt to Equity ratio (3.98) than 84.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.98 | ||
| Debt/FCF | 38.93 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.11%
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%.
- The Earnings Per Share has been growing slightly by 6.99% on average over the past years.
- 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 2.47% 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 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
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 12.14, which indicates a correct valuation of SB1NO.
- The rest of the industry has a similar Price/Earnings ratio as SB1NO.
- The average S&P500 Price/Earnings ratio is at 27.38. SB1NO is valued rather cheaply when compared to this.
- The Price/Forward Earnings ratio is 11.54, which indicates a very decent valuation of SB1NO.
- SB1NO's Price/Forward Earnings is on the same level as the industry average.
- SB1NO is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.29, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.14 | ||
| Fwd PE | 11.54 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of SB1NO indicates a somewhat cheap valuation: SB1NO is cheaper than 66.95% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.52 | ||
| 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)6.54
PEG (5Y)1.74
EPS Next 2Y0.28%
EPS Next 3Y2.47%
5. Dividend
5.1 Amount
- SB1NO has a Yearly Dividend Yield of 4.29%, which is a nice return.
- SB1NO's Dividend Yield is comparable with the industry average which is at 4.03.
- SB1NO's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.29% |
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 2Y0.28%
EPS Next 3Y2.47%
OSL:SB1NO (1/16/2026, 7:00:00 PM)
198.8
+0.8 (+0.4%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-30 2025-10-30/bmo
Earnings (Next)02-12 2026-02-12/amc
Inst Owners25.4%
Inst Owner ChangeN/A
Ins Owners0.15%
Ins Owner ChangeN/A
Market Cap74.64B
Revenue(TTM)14.92B
Net Income(TTM)6.14B
Analysts77.14
Price Target195.02 (-1.9%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.29% |
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)3.69%
EPS NQ rev (1m)-1.48%
EPS NQ rev (3m)2.44%
EPS NY rev (1m)-0.37%
EPS NY rev (3m)3.09%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.48%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.66%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.14 | ||
| Fwd PE | 11.54 | ||
| P/S | 5 | ||
| P/FCF | 13.52 | ||
| P/OCF | 12.9 | ||
| P/B | 1.38 | ||
| P/tB | 1.49 | ||
| EV/EBITDA | N/A |
EPS(TTM)16.37
EY8.23%
EPS(NY)17.23
Fwd EY8.67%
FCF(TTM)14.7
FCFY7.4%
OCF(TTM)15.41
OCFY7.75%
SpS39.73
BVpS143.98
TBVpS133.14
PEG (NY)6.54
PEG (5Y)1.74
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
WACC8.11%
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 12.14 and the Price/Book (PB) ratio is 1.38.
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.