SKUE Fundamental Analysis - SKUE SPAREBANK

Fundamental Rating

Overall SKUE gets a fundamental rating of 4 out of 10. We evaluated SKUE against 96 industry peers in the Banks industry. SKUE may be in some trouble as it scores bad on both profitability and health. SKUE has a decent growth rate and is not valued too expensively. SKUE also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year SKUE was profitable.

SKUE had a positive operating cash flow in the past year.

SKUE had positive earnings in each of the past 5 years.

SKUE had negative operating cash flow in 4 of the past 5 years.

1.2 Ratios

SKUE's Return On Assets of 0.40% is on the low side compared to the rest of the industry. SKUE is outperformed by 78.13% of its industry peers.

SKUE has a worse Return On Equity (3.01%) than 81.25% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.4%
ROE	3.01%
ROIC	N/A

ROA(3y)0.32%

ROA(5y)0.28%

ROE(3y)2.46%

ROE(5y)2.29%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

With a Profit Margin value of 12.68%, SKUE is not doing good in the industry: 81.25% of the companies in the same industry are doing better.

In the last couple of years the Profit Margin of SKUE has remained more or less at the same level.

SKUE 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)	12.68%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y6.29%

PM growth 5Y-0.17%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

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

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

The number of shares outstanding for SKUE has been increased compared to 5 years ago.

The debt/assets ratio for SKUE has been reduced compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of SKUE is 19.07, which is on the high side as it means it would take SKUE, 19.07 years of fcf income to pay off all of its debts.

The Debt to FCF ratio of SKUE (19.07) is better than 79.17% of its industry peers.

A Debt/Equity ratio of 1.67 is on the high side and indicates that SKUE has dependencies on debt financing.

SKUE's Debt to Equity ratio of 1.67 is fine compared to the rest of the industry. SKUE outperforms 63.54% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.67
Debt/FCF	19.07
Altman-Z	N/A

ROIC/WACCN/A

WACC8.55%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 33.59% over the past year.

The Earnings Per Share has been growing by 12.08% on average over the past years. This is quite good.

Looking at the last year, SKUE shows a quite strong growth in Revenue. The Revenue has grown by 15.73% in the last year.

The Revenue has been growing by 17.02% on average over the past years. This is quite good.

EPS 1Y (TTM)33.59%

EPS 3Y19.52%

EPS 5Y12.08%

EPS Q2Q%14.25%

Revenue 1Y (TTM)15.73%

Revenue growth 3Y16.36%

Revenue growth 5Y17.02%

Sales Q2Q%36.49%

3.2 Future

SKUE is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -7.86% yearly.

SKUE is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.60% yearly.

EPS Next Y-23.34%

EPS Next 2Y-12.2%

EPS Next 3Y-7.86%

EPS Next 5YN/A

Revenue Next Year23.73%

Revenue Next 2Y15.52%

Revenue Next 3Y12.6%

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 estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 8.88, the valuation of SKUE can be described as reasonable.

Based on the Price/Earnings ratio, SKUE is valued a bit cheaper than 68.75% of the companies in the same industry.

SKUE is valuated cheaply when we compare the Price/Earnings ratio to 26.84, which is the current average of the S&P500 Index.

SKUE is valuated reasonably with a Price/Forward Earnings ratio of 11.72.

Compared to the rest of the industry, the Price/Forward Earnings ratio of SKUE indicates a slightly more expensive valuation: SKUE is more expensive than 69.79% of the companies listed in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 22.48. SKUE is valued slightly cheaper when compared to this.

		Industry Rank	Sector Rank
PE	8.88
Fwd PE	11.72

4.2 Price Multiples

SKUE's Price/Free Cash Flow ratio is rather cheap when compared to the industry. SKUE is cheaper than 89.58% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	2.68
EV/EBITDA	N/A

4.3 Compensation for Growth

A cheap valuation may be justified as SKUE's earnings are expected to decrease with -7.86% in the coming years.

PEG (NY)N/A

PEG (5Y)0.73

EPS Next 2Y-12.2%

EPS Next 3Y-7.86%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 10.10%, SKUE is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 5.01, SKUE pays a better dividend. On top of this SKUE pays more dividend than 98.96% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.32, SKUE pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	10.1%

5.2 History

The dividend of SKUE is nicely growing with an annual growth rate of 11.29%!

Dividend Growth(5Y)11.29%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

SKUE pays out 38.01% of its income as dividend. This is a sustainable payout ratio.

DP38.01%

EPS Next 2Y-12.2%

EPS Next 3Y-7.86%

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SKUE SPAREBANK

OSL:SKUE (9/2/2025, 7:00:00 PM)

319.65

-0.3 (-0.09%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)08-14 2025-08-14/dmh

Earnings (Next)11-13 2025-11-13

Inst Owners15.95%

Inst Owner ChangeN/A

Ins Owners14.97%

Ins Owner ChangeN/A

Market Cap732.00M

Analysts42.22

Price Target338.64 (5.94%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	10.1%

Yearly Dividend16.22

Dividend Growth(5Y)11.29%

DP38.01%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-6.63%

Min EPS beat(2)-7.06%

Max EPS beat(2)-6.2%

EPS beat(4)1

Avg EPS beat(4)14.26%

Min EPS beat(4)-10.03%

Max EPS beat(4)80.33%

EPS beat(8)2

Avg EPS beat(8)3.68%

EPS beat(12)3

Avg EPS beat(12)2.83%

EPS beat(16)3

Avg EPS beat(16)0.37%

Revenue beat(2)1

Avg Revenue beat(2)-0.65%

Min Revenue beat(2)-7.45%

Max Revenue beat(2)6.15%

Revenue beat(4)1

Avg Revenue beat(4)-2.94%

Min Revenue beat(4)-7.45%

Max Revenue beat(4)6.15%

Revenue beat(8)2

Avg Revenue beat(8)-4.76%

Revenue beat(12)4

Avg Revenue beat(12)-0.56%

Revenue beat(16)7

Avg Revenue beat(16)1.43%

PT rev (1m)0%

PT rev (3m)0.61%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-10.6%

EPS NY rev (1m)-9.43%

EPS NY rev (3m)-9.43%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-6.93%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-6.44%

Valuation

		Industry Rank	Sector Rank
PE	8.88
Fwd PE	11.72
P/S	0.99
P/FCF	2.68
P/OCF	2.64
P/B	0.24
P/tB	0.24
EV/EBITDA	N/A

EPS(TTM)35.99

EY11.26%

EPS(NY)27.27

Fwd EY8.53%

FCF(TTM)119.14

FCFY37.27%

OCF(TTM)121.25

OCFY37.93%

SpS322.17

BVpS1359.33

TBVpS1359.33

PEG (NY)N/A

PEG (5Y)0.73

Profitability

		Industry Rank	Sector Rank
ROA	0.4%
ROE	3.01%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	12.68%
GM	N/A
FCFM	36.98%

ROA(3y)0.32%

ROA(5y)0.28%

ROE(3y)2.46%

ROE(5y)2.29%

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 3Y6.29%

PM growth 5Y-0.17%

GM growth 3YN/A

GM growth 5YN/A

F-Score8

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	1.67
Debt/FCF	19.07
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	0.66%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	291.59%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC8.55%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)0.33%

Cap/Sales(5y)0.51%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)33.59%

EPS 3Y19.52%

EPS 5Y12.08%

EPS Q2Q%14.25%

EPS Next Y-23.34%

EPS Next 2Y-12.2%

EPS Next 3Y-7.86%

EPS Next 5YN/A

Revenue 1Y (TTM)15.73%

Revenue growth 3Y16.36%

Revenue growth 5Y17.02%

Sales Q2Q%36.49%

Revenue Next Year23.73%

Revenue Next 2Y15.52%

Revenue Next 3Y12.6%

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 1Y183.48%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y185.76%

OCF growth 3YN/A

OCF growth 5YN/A

SKUE SPAREBANK (SKUE.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

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