SKUE Fundamental Analysis - SKUE SPAREBANK

Fundamental Rating

Overall SKUE gets a fundamental rating of 3 out of 10. We evaluated SKUE against 118 industry peers in the Banks industry. Both the profitability and financial health of SKUE have multiple concerns. SKUE has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

SKUE had positive earnings in the past year.
SKUE had a positive operating cash flow in the past year.
In the past 5 years SKUE has always been profitable.
SKUE had negative operating cash flow in 4 of the past 5 years.

1.2 Ratios

SKUE's Return On Assets of 0.28% is on the low side compared to the rest of the industry. SKUE is outperformed by 88.98% of its industry peers.
Looking at the Return On Equity, with a value of 1.99%, SKUE is doing worse than 90.68% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.28%
ROE	1.99%
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

The Profit Margin of SKUE (9.33%) is worse than 91.53% of its industry peers.
In the last couple of years the Profit Margin of SKUE has remained more or less at the same level.
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)	9.33%
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.
SKUE has more shares outstanding than it did 1 year ago.
SKUE has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, SKUE has an improved debt to assets ratio.

2.2 Solvency

SKUE has a debt to FCF ratio of 3.79. This is a good value and a sign of high solvency as SKUE would need 3.79 years to pay back of all of its debts.
SKUE has a better Debt to FCF ratio (3.79) than 93.22% of its industry peers.
A Debt/Equity ratio of 1.47 is on the high side and indicates that SKUE has dependencies on debt financing.
SKUE has a Debt to Equity ratio of 1.47. This is comparable to the rest of the industry: SKUE outperforms 59.32% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.47
Debt/FCF	3.79
Altman-Z	N/A

ROIC/WACCN/A

WACC8.49%

2.3 Liquidity

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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The earnings per share for SKUE have decreased strongly by -24.84% in the last year.
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 a small growth in Revenue. In the last year, the Revenue has grown by 6.36%.
SKUE shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 17.02% yearly.

EPS 1Y (TTM)-24.84%

EPS 3Y19.52%

EPS 5Y12.08%

EPS Q2Q%-65.89%

Revenue 1Y (TTM)6.36%

Revenue growth 3Y16.36%

Revenue growth 5Y17.02%

Sales Q2Q%9.62%

3.2 Future

The Earnings Per Share is expected to decrease by -7.86% on average over the next years.
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

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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 13.22, the valuation of SKUE can be described as correct.
Based on the Price/Earnings ratio, SKUE is valued a bit more expensive than the industry average as 77.12% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 27.54, SKUE is valued rather cheaply.
The Price/Forward Earnings ratio is 12.76, which indicates a correct valuation of SKUE.
Based on the Price/Forward Earnings ratio, SKUE is valued a bit more expensive than the industry average as 75.42% of the companies are valued more cheaply.
SKUE's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.31.

		Industry Rank	Sector Rank
PE	13.22
Fwd PE	12.76

4.2 Price Multiples

SKUE's Price/Free Cash Flow ratio is rather cheap when compared to the industry. SKUE is cheaper than 97.46% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	1.58
EV/EBITDA	N/A

4.3 Compensation for Growth

SKUE's earnings are expected to decrease with -7.86% in the coming years. This may justify a cheaper valuation.

PEG (NY)N/A

PEG (5Y)1.09

EPS Next 2Y-12.2%

EPS Next 3Y-7.86%

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5. Dividend

5.1 Amount

SKUE has a Yearly Dividend Yield of 9.30%, which is a nice return.
Compared to an average industry Dividend Yield of 4.05, SKUE pays a better dividend. On top of this SKUE pays more dividend than 98.31% of the companies listed in the same industry.
SKUE's Dividend Yield is rather good when compared to the S&P500 average which is at 1.92.

		Industry Rank	Sector Rank
Dividend Yield	9.3%

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

SKUE pays out 114.12% of its income as dividend. This is not a sustainable payout ratio.
SKUE's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.

DP114.12%

EPS Next 2Y-12.2%

EPS Next 3Y-7.86%

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SKUE SPAREBANK

OSL:SKUE (1/15/2026, 7:00:00 PM)

348

+6 (+1.75%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)11-13 2025-11-13/dmh

Earnings (Next)02-05 2026-02-05

Inst Owners7.42%

Inst Owner ChangeN/A

Ins Owners6.17%

Ins Owner ChangeN/A

Market Cap2.01B

Revenue(TTM)700.36M

Net Income(TTM)65.37M

Analysts42.22

Price Target338.64 (-2.69%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	9.3%

Yearly Dividend16.22

Dividend Growth(5Y)11.29%

DP114.12%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-6.71%

Min EPS beat(2)-21.57%

Max EPS beat(2)8.16%

EPS beat(4)1

Avg EPS beat(4)-6.67%

Min EPS beat(4)-21.57%

Max EPS beat(4)8.16%

EPS beat(8)3

Avg EPS beat(8)2.99%

EPS beat(12)3

Avg EPS beat(12)-0.85%

EPS beat(16)4

Avg EPS beat(16)0.21%

Revenue beat(2)0

Avg Revenue beat(2)-5.02%

Min Revenue beat(2)-7.15%

Max Revenue beat(2)-2.89%

Revenue beat(4)1

Avg Revenue beat(4)-2.83%

Min Revenue beat(4)-7.45%

Max Revenue beat(4)6.15%

Revenue beat(8)1

Avg Revenue beat(8)-3.45%

Revenue beat(12)2

Avg Revenue beat(12)-4.2%

Revenue beat(16)5

Avg Revenue beat(16)-0.77%

PT rev (1m)0%

PT rev (3m)0%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	13.22
Fwd PE	12.76
P/S	2.87
P/FCF	1.58
P/OCF	1.56
P/B	0.61
P/tB	0.61
EV/EBITDA	N/A

EPS(TTM)26.33

EY7.57%

EPS(NY)27.27

Fwd EY7.84%

FCF(TTM)219.93

FCFY63.2%

OCF(TTM)223

OCFY64.08%

SpS121.17

BVpS567.18

TBVpS567.18

PEG (NY)N/A

PEG (5Y)1.09

Graham Number579.67

Profitability

		Industry Rank	Sector Rank
ROA	0.28%
ROE	1.99%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	9.33%
GM	N/A
FCFM	181.51%

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

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 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	1.47
Debt/FCF	3.79
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	2.53%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	1944.71%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC8.49%

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)-24.84%

EPS 3Y19.52%

EPS 5Y12.08%

EPS Q2Q%-65.89%

EPS Next Y-23.34%

EPS Next 2Y-12.2%

EPS Next 3Y-7.86%

EPS Next 5YN/A

Revenue 1Y (TTM)6.36%

Revenue growth 3Y16.36%

Revenue growth 5Y17.02%

Sales Q2Q%9.62%

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 1Y2924.31%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y3153.83%

OCF growth 3YN/A

OCF growth 5YN/A

SKUE SPAREBANK / SKUE.OL FAQ

Can you provide the ChartMill fundamental rating for SKUE SPAREBANK?

ChartMill assigns a fundamental rating of 3 / 10 to SKUE.OL.

What is the valuation status of SKUE SPAREBANK (SKUE.OL) stock?

ChartMill assigns a valuation rating of 4 / 10 to SKUE SPAREBANK (SKUE.OL). This can be considered as Fairly Valued.

Can you provide the profitability details for SKUE SPAREBANK?

SKUE SPAREBANK (SKUE.OL) has a profitability rating of 2 / 10.

What are the PE and PB ratios of SKUE SPAREBANK (SKUE.OL) stock?

The Price/Earnings (PE) ratio for SKUE SPAREBANK (SKUE.OL) is 13.22 and the Price/Book (PB) ratio is 0.61.

What is the earnings growth outlook for SKUE SPAREBANK?

The Earnings per Share (EPS) of SKUE SPAREBANK (SKUE.OL) is expected to decline by -23.34% in the next year.

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

SKUE SPAREBANK / SKUE.OL FAQ

Can you provide the ChartMill fundamental rating for SKUE SPAREBANK?

What is the valuation status of SKUE SPAREBANK (SKUE.OL) stock?

Can you provide the profitability details for SKUE SPAREBANK?

What are the PE and PB ratios of SKUE SPAREBANK (SKUE.OL) stock?

What is the earnings growth outlook for SKUE SPAREBANK?