SPAREBANK 1 SOR-NORGE ASA (SB1NO.OL) Stock Fundamental Analysis
Europe - OSL:SB1NO - NO0010631567 - Common Stock
172.8 NOK
-1.2 (-0.69%)
SB1NO gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 97 industry peers in the Banks industry. SB1NO has a bad profitability rating. Also its financial health evaluation is rather negative. SB1NO has a correct valuation and a medium 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.
In the past 5 years SB1NO has always been profitable.
SB1NO had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
The Return On Assets of SB1NO (1.15%) is better than 77.78% of its industry peers.
The Return On Equity of SB1NO (11.26%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.15% | ||
| ROE | 11.26% | ||
| 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 (40.48%) is better than 91.92% 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) | 40.48% | ||
| 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
SB1NO has a debt to FCF ratio of 73.80. This is a negative value and a sign of low solvency as SB1NO would need 73.80 years to pay back of all of its debts.
SB1NO's Debt to FCF ratio of 73.80 is fine compared to the rest of the industry. SB1NO outperforms 70.71% of its industry peers.
A Debt/Equity ratio of 4.23 is on the high side and indicates that SB1NO has dependencies on debt financing.
SB1NO has a Debt to Equity ratio of 4.23. This is amonst the worse of the industry: SB1NO underperforms 82.83% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.23 | ||
| Debt/FCF | 73.8 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.87%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
SB1NO shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -3.41%.
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 32.47%.
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)-3.41%
EPS 3Y12.35%
EPS 5Y6.99%
EPS Q2Q%0.71%
Revenue 1Y (TTM)32.47%
Revenue growth 3Y15.76%
Revenue growth 5Y11.1%
Sales Q2Q%46.34%
3.2 Future
SB1NO is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.60% yearly.
The Revenue is expected to grow by 7.58% on average over the next years.
EPS Next Y-1.2%
EPS Next 2Y0.66%
EPS Next 3Y2.6%
EPS Next 5YN/A
Revenue Next Year22.97%
Revenue Next 2Y12.05%
Revenue Next 3Y7.58%
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
With a Price/Earnings ratio of 10.01, the valuation of SB1NO can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of SB1NO is on the same level as its industry peers.
SB1NO is valuated cheaply when we compare the Price/Earnings ratio to 26.89, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 9.96 indicates a reasonable valuation of SB1NO.
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 22.99. SB1NO is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.01 | ||
| Fwd PE | 9.96 |
4.2 Price Multiples
70.71% 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 | 21.58 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.43
EPS Next 2Y0.66%
EPS Next 3Y2.6%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.89%, SB1NO is a good candidate for dividend investing.
SB1NO's Dividend Yield is comparable with the industry average which is at 4.83.
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 | 4.89% |
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
54.06% of the earnings are spent on dividend by SB1NO. This is a bit on the high side, but may be sustainable.
The dividend of SB1NO is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP54.06%
EPS Next 2Y0.66%
EPS Next 3Y2.6%
OSL:SB1NO (10/24/2025, 7:00:00 PM)
172.8
-1.2 (-0.69%)
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 Cap64.88B
Revenue(TTM)14.58B
Net Income(TTM)5.90B
Analysts74.67
Price Target188.09 (8.85%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.89% |
Yearly Dividend6.2
Dividend Growth(5Y)6.63%
DP54.06%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.19%
Min EPS beat(2)-2.22%
Max EPS beat(2)8.6%
EPS beat(4)2
Avg EPS beat(4)3.36%
Min EPS beat(4)-9.84%
Max EPS beat(4)16.91%
EPS beat(8)4
Avg EPS beat(8)3.7%
EPS beat(12)6
Avg EPS beat(12)7.62%
EPS beat(16)9
Avg EPS beat(16)7.64%
Revenue beat(2)2
Avg Revenue beat(2)2.85%
Min Revenue beat(2)0.48%
Max Revenue beat(2)5.21%
Revenue beat(4)2
Avg Revenue beat(4)0.68%
Min Revenue beat(4)-2.79%
Max Revenue beat(4)5.21%
Revenue beat(8)5
Avg Revenue beat(8)7.48%
Revenue beat(12)9
Avg Revenue beat(12)8.99%
Revenue beat(16)13
Avg Revenue beat(16)8.78%
PT rev (1m)0%
PT rev (3m)1.41%
EPS NQ rev (1m)-0.52%
EPS NQ rev (3m)-3.02%
EPS NY rev (1m)0%
EPS NY rev (3m)4.71%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.37%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.61%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.01 | ||
| Fwd PE | 9.96 | ||
| P/S | 4.45 | ||
| P/FCF | 21.58 | ||
| P/OCF | 19.82 | ||
| P/B | 1.24 | ||
| P/tB | 1.34 | ||
| EV/EBITDA | N/A |
EPS(TTM)17.27
EY9.99%
EPS(NY)17.36
Fwd EY10.04%
FCF(TTM)8.01
FCFY4.63%
OCF(TTM)8.72
OCFY5.04%
SpS38.84
BVpS139.61
TBVpS128.77
PEG (NY)N/A
PEG (5Y)1.43
Graham Number232.92
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.15% | ||
| ROE | 11.26% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 40.48% | ||
| GM | N/A | ||
| FCFM | 20.62% |
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 | 4.23 | ||
| Debt/FCF | 73.8 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 1.82% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 50.94% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC7.87%
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)-3.41%
EPS 3Y12.35%
EPS 5Y6.99%
EPS Q2Q%0.71%
EPS Next Y-1.2%
EPS Next 2Y0.66%
EPS Next 3Y2.6%
EPS Next 5YN/A
Revenue 1Y (TTM)32.47%
Revenue growth 3Y15.76%
Revenue growth 5Y11.1%
Sales Q2Q%46.34%
Revenue Next Year22.97%
Revenue Next 2Y12.05%
Revenue Next 3Y7.58%
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 1Y122.47%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y124.69%
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 -1.2% 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 54.06%.