SKUE Fundamental Analysis - SKUE SPAREBANK

Fundamental Rating

SKUE gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 96 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. Finally SKUE also has an excellent dividend rating.

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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.

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

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

1.2 Ratios

SKUE has a worse Return On Assets (0.40%) than 78.13% of its industry peers.

The Return On Equity of SKUE (3.01%) is worse than 83.33% 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

SKUE has a Profit Margin of 12.68%. This is amonst the worse of the industry: SKUE underperforms 80.21% 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)	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.

SKUE has more shares outstanding than it did 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.

With a decent Debt to FCF ratio value of 19.07, SKUE is doing good in the industry, outperforming 78.13% of the companies in the same industry.

SKUE has a Debt/Equity ratio of 1.67. This is a high value indicating a heavy dependency on external financing.

With a Debt to Equity ratio value of 1.67, SKUE perfoms like the industry average, outperforming 59.38% of the companies in the same industry.

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

ROIC/WACCN/A

WACC8.62%

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 22.43% over the past 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.

The Revenue has grown by 43.67% in the past year. This is a very strong growth!

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)43.67%

Revenue growth 3Y16.36%

Revenue growth 5Y17.02%

Sales Q2Q%32.37%

3.2 Future

SKUE is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -3.26% yearly.

SKUE is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 14.60% yearly.

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.

The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.22 indicates a reasonable valuation of SKUE.

65.63% of the companies in the same industry are cheaper than SKUE, based on the Price/Earnings ratio.

When comparing the Price/Earnings ratio of SKUE to the average of the S&P500 Index (26.34), we can say SKUE is valued rather cheaply.

Based on the Price/Forward Earnings ratio of 11.44, the valuation of SKUE can be described as reasonable.

69.79% of the companies in the same industry are cheaper than SKUE, based on the Price/Forward Earnings ratio.

The average S&P500 Price/Forward Earnings ratio is at 22.19. SKUE is valued slightly cheaper when compared to this.

		Industry Rank	Sector Rank
PE	10.22
Fwd PE	11.44

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, SKUE is valued cheaper than 89.58% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	2.99
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)0.85

EPS Next 2Y-6.24%

EPS Next 3Y-3.26%

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5. Dividend

5.1 Amount

SKUE has a Yearly Dividend Yield of 9.62%, which is a nice return.

SKUE's Dividend Yield is rather good when compared to the industry average which is at 5.14. SKUE pays more dividend than 97.92% 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	9.62%

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

DP38.01%

EPS Next 2Y-6.24%

EPS Next 3Y-3.26%

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SKUE SPAREBANK

OSL:SKUE (6/19/2025, 7:00:00 PM)

355.85

-6.2 (-1.71%)

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 Cap814.90M

Analysts42.22

Price Target338.64 (-4.84%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	9.62%

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)0.61%

PT rev (3m)7.44%

EPS NQ rev (1m)0.75%

EPS NQ rev (3m)0.75%

EPS NY rev (1m)0%

EPS NY rev (3m)11.85%

Revenue NQ rev (1m)0.75%

Revenue NQ rev (3m)0.75%

Revenue NY rev (1m)0%

Revenue NY rev (3m)10.56%

Valuation

		Industry Rank	Sector Rank
PE	10.22
Fwd PE	11.44
P/S	1.1
P/FCF	2.99
P/OCF	2.93
P/B	0.26
P/tB	0.26
EV/EBITDA	N/A

EPS(TTM)34.83

EY9.79%

EPS(NY)31.1

Fwd EY8.74%

FCF(TTM)119.14

FCFY33.48%

OCF(TTM)121.25

OCFY34.07%

SpS322.17

BVpS1359.33

TBVpS1359.33

PEG (NY)N/A

PEG (5Y)0.85

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

WACC8.62%

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)43.67%

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 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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