SKUE SPAREBANK (SKUE.OL) Stock Fundamental Analysis
OSL:SKUE • NO0006001809
341 NOK
-11.4 (-3.23%)
Last: Feb 23, 2026, 07:00 PM
We assign a fundamental rating of 3 out of 10 to SKUE. SKUE was compared to 108 industry peers in the Banks industry. SKUE may be in some trouble as it scores bad on both profitability and health. SKUE has a valuation in line with the averages, but on the other hand it scores bad on growth. Finally SKUE also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year SKUE was profitable.
- In the past year SKUE had a positive cash flow from operations.
- Of the past 5 years SKUE 4 years were profitable.
- SKUE had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
- SKUE has a Return On Assets of 0.28%. This is amonst the worse of the industry: SKUE underperforms 88.89% of its industry peers.
- With a Return On Equity value of 1.99%, SKUE is not doing good in the industry: 90.74% of the companies in the same industry are doing better.
| 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
- SKUE has a worse Profit Margin (9.33%) than 91.67% 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
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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
- The Debt to FCF ratio of SKUE is 3.79, which is a good value as it means it would take SKUE, 3.79 years of fcf income to pay off all of its debts.
- SKUE's Debt to FCF ratio of 3.79 is amongst the best of the industry. SKUE outperforms 93.52% of its industry peers.
- SKUE has a Debt/Equity ratio of 1.47. This is a high value indicating a heavy dependency on external financing.
- SKUE's Debt to Equity ratio of 1.47 is in line compared to the rest of the industry. SKUE outperforms 57.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.47 | ||
| Debt/FCF | 3.79 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.6%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- SKUE shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -25.35%.
- Measured over the past years, SKUE shows a decrease in Earnings Per Share. The EPS has been decreasing by -4.74% on average per year.
EPS 1Y (TTM)-25.35%
EPS 3Y-1.72%
EPS 5Y-4.74%
EPS Q2Q%1.37%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%21.54%
3.2 Future
- The Earnings Per Share is expected to grow by 13.59% on average over the next years. This is quite good.
- The Revenue is expected to grow by 7.42% on average over the next years.
EPS Next Y14.51%
EPS Next 2Y13.59%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.85%
Revenue Next 2Y7.42%
Revenue Next 3YN/A
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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 12.91, SKUE is valued correctly.
- 73.15% of the companies in the same industry are cheaper than SKUE, based on the Price/Earnings ratio.
- SKUE's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.64.
- A Price/Forward Earnings ratio of 11.28 indicates a reasonable valuation of SKUE.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of SKUE is on the same level as its industry peers.
- When comparing the Price/Forward Earnings ratio of SKUE to the average of the S&P500 Index (27.75), we can say SKUE is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.91 | ||
| Fwd PE | 11.28 |
4.2 Price Multiples
- SKUE's Price/Free Cash Flow ratio is rather cheap when compared to the industry. SKUE is cheaper than 95.37% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.55 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- SKUE's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- A more expensive valuation may be justified as SKUE's earnings are expected to grow with 13.59% in the coming years.
PEG (NY)0.89
PEG (5Y)N/A
EPS Next 2Y13.59%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 6.45%, SKUE is a good candidate for dividend investing.
- SKUE's Dividend Yield is rather good when compared to the industry average which is at 4.37. SKUE pays more dividend than 83.33% of the companies in the same industry.
- SKUE's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.45% |
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 114.12% of its income as dividend. This is not a sustainable payout ratio.
- The dividend of SKUE is growing, but earnings are growing more, so the dividend growth is sustainable.
DP114.12%
EPS Next 2Y13.59%
EPS Next 3YN/A
OSL:SKUE (2/23/2026, 7:00:00 PM)
341
-11.4 (-3.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-09 2026-02-09/dmh
Earnings (Next)05-05 2026-05-05
Inst Owners7.42%
Inst Owner ChangeN/A
Ins Owners6.17%
Ins Owner ChangeN/A
Market Cap1.97B
Revenue(TTM)N/A
Net Income(TTM)65.37M
Analysts42.22
Price Target344.76 (1.1%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.45% |
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)1.81%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-26.27%
EPS NY rev (1m)0%
EPS NY rev (3m)-15.76%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)8%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.91 | ||
| Fwd PE | 11.28 | ||
| P/S | 2.81 | ||
| P/FCF | 1.55 | ||
| P/OCF | 1.53 | ||
| P/B | 0.6 | ||
| P/tB | 0.6 | ||
| EV/EBITDA | N/A |
EPS(TTM)26.41
EY7.74%
EPS(NY)30.24
Fwd EY8.87%
FCF(TTM)219.93
FCFY64.5%
OCF(TTM)223
OCFY65.4%
SpS121.17
BVpS567.18
TBVpS567.18
PEG (NY)0.89
PEG (5Y)N/A
Graham Number580.55
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
WACC8.6%
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)-25.35%
EPS 3Y-1.72%
EPS 5Y-4.74%
EPS Q2Q%1.37%
EPS Next Y14.51%
EPS Next 2Y13.59%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%21.54%
Revenue Next Year7.85%
Revenue Next 2Y7.42%
Revenue Next 3YN/A
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 5 / 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 1 / 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 12.91 and the Price/Book (PB) ratio is 0.6.
What is the earnings growth outlook for SKUE SPAREBANK?
The Earnings per Share (EPS) of SKUE SPAREBANK (SKUE.OL) is expected to grow by 14.51% in the next year.