SKUE SPAREBANK(OSL:SKUE) stock Fundamental Analysis

Fundamental Rating

SKUE gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 92 industry peers in the Banks industry. SKUE may be in some trouble as it scores bad on both profitability and health. SKUE is quite expensive at the moment. It does show a decent growth rate. SKUE also has an excellent dividend rating.

Quickly go to:

1. Profitability

1.1 Basic Checks

In the past year SKUE was profitable.

In the past year SKUE has reported a negative cash flow from operations.

In the past 5 years SKUE has always been profitable.

In the past 5 years SKUE reported 4 times negative operating cash flow.

1.2 Ratios

SKUE's Return On Assets of 0.41% is on the low side compared to the rest of the industry. SKUE is outperformed by 77.17% of its industry peers.

SKUE's Return On Equity of 3.01% is on the low side compared to the rest of the industry. SKUE is outperformed by 83.70% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.41%
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

SKUE has a Profit Margin of 13.38%. This is in the lower half of the industry: SKUE underperforms 78.26% of its industry peers.

SKUE's Profit Margin has been stable in the last couple of years.

The Operating Margin and Gross Margin are not available for SKUE so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	13.38%
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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

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.

SKUE has a better debt/assets ratio than last year.

2.2 Solvency

SKUE has a Debt/Equity ratio of 1.56. This is a high value indicating a heavy dependency on external financing.

SKUE has a better Debt to Equity ratio (1.56) than 63.04% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.56
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC8.57%

2.3 Liquidity

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

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

SKUE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 22.43%, which is quite impressive.

Measured over the past years, SKUE shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.08% on average per year.

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

Measured over the past years, SKUE shows a quite strong growth in Revenue. The Revenue has been growing by 17.02% on average per year.

EPS 1Y (TTM)22.43%

EPS 3Y19.52%

EPS 5Y12.08%

EPS Q2Q%-8.15%

Revenue 1Y (TTM)15.73%

Revenue growth 3Y16.36%

Revenue growth 5Y17.02%

Sales Q2Q%32.37%

3.2 Future

The Earnings Per Share is expected to decrease by -3.26% on average over the next years.

The Revenue is expected to grow by 14.60% on average over the next years. This is quite good.

EPS Next Y-15.36%

EPS Next 2Y-6.24%

EPS Next 3Y-3.26%

EPS Next 5YN/A

Revenue Next Year32.26%

Revenue Next 2Y19.28%

Revenue Next 3Y14.6%

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.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

SKUE is valuated reasonably with a Price/Earnings ratio of 9.39.

SKUE's Price/Earnings is on the same level as the industry average.

When comparing the Price/Earnings ratio of SKUE to the average of the S&P500 Index (26.20), we can say SKUE is valued rather cheaply.

Based on the Price/Forward Earnings ratio of 10.52, the valuation of SKUE can be described as reasonable.

Based on the Price/Forward Earnings ratio, SKUE is valued a bit more expensive than 60.87% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.13, SKUE is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.39
Fwd PE	10.52

4.2 Price Multiples

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

4.3 Compensation for Growth

SKUE's earnings are expected to decrease with -3.26% in the coming years. This may justify a cheaper valuation.

PEG (NY)N/A

PEG (5Y)0.78

EPS Next 2Y-6.24%

EPS Next 3Y-3.26%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 9.98%, SKUE is a good candidate for dividend investing.

SKUE's Dividend Yield is rather good when compared to the industry average which is at 5.03. SKUE pays more dividend than 97.83% of the companies in the same industry.

SKUE's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.

		Industry Rank	Sector Rank
Dividend Yield	9.98%

5.2 History

On average, the dividend of SKUE grows each year by 11.29%, which is quite nice.

Dividend Growth(5Y)11.29%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

37.92% of the earnings are spent on dividend by SKUE. This is a low number and sustainable payout ratio.

DP37.92%

EPS Next 2Y-6.24%

EPS Next 3Y-3.26%

More info and screens

Find the best dividend stocks

Show peers with best dividend

SKUE SPAREBANK

OSL:SKUE (5/28/2025, 7:00:00 PM)

327.2

+0.2 (+0.06%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)05-14 2025-05-14/dmh

Earnings (Next)08-14 2025-08-14

Inst Owners15.95%

Inst Owner ChangeN/A

Ins Owners14.97%

Ins Owner ChangeN/A

Market Cap749.29M

Analysts42.22

Price Target336.6 (2.87%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	9.98%

Yearly Dividend16.22

Dividend Growth(5Y)11.29%

DP37.92%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)36.64%

Min EPS beat(2)-7.06%

Max EPS beat(2)80.33%

EPS beat(4)2

Avg EPS beat(4)16.7%

Min EPS beat(4)-10.03%

Max EPS beat(4)80.33%

EPS beat(8)2

Avg EPS beat(8)2.92%

EPS beat(12)3

Avg EPS beat(12)2.36%

EPS beat(16)4

Avg EPS beat(16)2.26%

Revenue beat(2)1

Avg Revenue beat(2)1.33%

Min Revenue beat(2)-3.49%

Max Revenue beat(2)6.15%

Revenue beat(4)1

Avg Revenue beat(4)-2.06%

Min Revenue beat(4)-6.96%

Max Revenue beat(4)6.15%

Revenue beat(8)2

Avg Revenue beat(8)-3.95%

Revenue beat(12)4

Avg Revenue beat(12)-0.04%

Revenue beat(16)8

Avg Revenue beat(16)2.02%

PT rev (1m)-8.84%

PT rev (3m)6.8%

EPS NQ rev (1m)0.47%

EPS NQ rev (3m)N/A

EPS NY rev (1m)0%

EPS NY rev (3m)11.85%

Revenue NQ rev (1m)0.24%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)1.6%

Revenue NY rev (3m)10.56%

Valuation

		Industry Rank	Sector Rank
PE	9.39
Fwd PE	10.52
P/S	1.07
P/FCF	N/A
P/OCF	N/A
P/B	0.24
P/tB	0.24
EV/EBITDA	N/A

EPS(TTM)34.83

EY10.64%

EPS(NY)31.1

Fwd EY9.5%

FCF(TTM)-5.76

FCFYN/A

OCF(TTM)-5.76

OCFYN/A

SpS306.09

BVpS1358.76

TBVpS1358.76

PEG (NY)N/A

PEG (5Y)0.78

Profitability

		Industry Rank	Sector Rank
ROA	0.41%
ROE	3.01%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	13.38%
GM	N/A
FCFM	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

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-Score6

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	1.56
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	0%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC8.57%

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)22.43%

EPS 3Y19.52%

EPS 5Y12.08%

EPS Q2Q%-8.15%

EPS Next Y-15.36%

EPS Next 2Y-6.24%

EPS Next 3Y-3.26%

EPS Next 5YN/A

Revenue 1Y (TTM)15.73%

Revenue growth 3Y16.36%

Revenue growth 5Y17.02%

Sales Q2Q%32.37%

Revenue Next Year32.26%

Revenue Next 2Y19.28%

Revenue Next 3Y14.6%

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 1Y10.18%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y0.04%

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

More info and screens