SPAREBANK 1 NORDMOERE (SNOR.OL) Stock Fundamental Analysis
Europe - OSL:SNOR - NO0010691660 - Common Stock
171.38 NOK
-1.62 (-0.94%)
Taking everything into account, SNOR scores 4 out of 10 in our fundamental rating. SNOR was compared to 97 industry peers in the Banks industry. While SNOR seems to be doing ok healthwise, there are quite some concerns on its profitability. SNOR has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
SNOR had positive earnings in the past year.
In the past year SNOR had a positive cash flow from operations.
SNOR had positive earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: SNOR reported negative operating cash flow in multiple years.
1.2 Ratios
With a Return On Assets value of 0.63%, SNOR perfoms like the industry average, outperforming 46.46% of the companies in the same industry.
With a Return On Equity value of 4.42%, SNOR is not doing good in the industry: 71.72% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.63% | ||
| ROE | 4.42% | ||
| ROIC | N/A |
ROA(3y)0.49%
ROA(5y)0.36%
ROE(3y)3.51%
ROE(5y)2.63%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
SNOR has a Profit Margin of 16.08%. This is in the lower half of the industry: SNOR underperforms 72.73% of its industry peers.
SNOR's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for SNOR so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 16.08% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y20.95%
PM growth 5Y18.03%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
SNOR does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, SNOR has about the same amount of shares outstanding.
The number of shares outstanding for SNOR has been increased compared to 5 years ago.
There is no outstanding debt for SNOR. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
SNOR has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.57%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
SNOR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 49.57%, which is quite impressive.
SNOR shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.04% yearly.
The Revenue has decreased by -3.72% in the past year.
SNOR shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.06% yearly.
EPS 1Y (TTM)49.57%
EPS 3Y32.46%
EPS 5Y2.04%
EPS Q2Q%84.55%
Revenue 1Y (TTM)-3.72%
Revenue growth 3Y19.11%
Revenue growth 5Y15.06%
Sales Q2Q%17.51%
3.2 Future
The Earnings Per Share is expected to grow by 0.39% on average over the next years.
The Revenue is expected to grow by 3.15% on average over the next years.
EPS Next Y0.41%
EPS Next 2Y0.62%
EPS Next 3Y0.39%
EPS Next 5YN/A
Revenue Next Year5.96%
Revenue Next 2Y3.5%
Revenue Next 3Y3.15%
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 decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 8.21 indicates a reasonable valuation of SNOR.
Compared to the rest of the industry, the Price/Earnings ratio of SNOR indicates a somewhat cheap valuation: SNOR is cheaper than 79.80% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.89, SNOR is valued rather cheaply.
A Price/Forward Earnings ratio of 9.08 indicates a reasonable valuation of SNOR.
Based on the Price/Forward Earnings ratio, SNOR is valued a bit cheaper than 69.70% of the companies in the same industry.
SNOR is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.99, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.21 | ||
| Fwd PE | 9.08 |
4.2 Price Multiples
SNOR's Price/Free Cash Flow ratio is rather cheap when compared to the industry. SNOR is cheaper than 83.84% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.94 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates SNOR does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)19.87
PEG (5Y)4.02
EPS Next 2Y0.62%
EPS Next 3Y0.39%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.91%, SNOR is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.83, SNOR has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.31, SNOR pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.91% |
5.2 History
The dividend of SNOR has a limited annual growth rate of 0.59%.
Dividend Growth(5Y)0.59%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
40.26% of the earnings are spent on dividend by SNOR. This is a bit on the high side, but may be sustainable.
The dividend of SNOR is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP40.26%
EPS Next 2Y0.62%
EPS Next 3Y0.39%
OSL:SNOR (10/24/2025, 7:00:00 PM)
171.38
-1.62 (-0.94%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners7.56%
Inst Owner ChangeN/A
Ins Owners7.71%
Ins Owner ChangeN/A
Market Cap1.55B
Revenue(TTM)1.19B
Net Income(TTM)191.25M
Analysts42.22
Price Target179.52 (4.75%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.91% |
Yearly Dividend6.95
Dividend Growth(5Y)0.59%
DP40.26%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)9.18%
Min EPS beat(2)-26.31%
Max EPS beat(2)44.66%
EPS beat(4)3
Avg EPS beat(4)11.55%
Min EPS beat(4)-26.31%
Max EPS beat(4)44.66%
EPS beat(8)4
Avg EPS beat(8)-0.17%
EPS beat(12)5
Avg EPS beat(12)-0.99%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)3.44%
Min Revenue beat(2)-1.31%
Max Revenue beat(2)8.18%
Revenue beat(4)3
Avg Revenue beat(4)7.74%
Min Revenue beat(4)-1.31%
Max Revenue beat(4)20.29%
Revenue beat(8)6
Avg Revenue beat(8)4.66%
Revenue beat(12)9
Avg Revenue beat(12)5.63%
Revenue beat(16)13
Avg Revenue beat(16)9.76%
PT rev (1m)6.02%
PT rev (3m)6.02%
EPS NQ rev (1m)10.48%
EPS NQ rev (3m)10.48%
EPS NY rev (1m)0%
EPS NY rev (3m)3.26%
Revenue NQ rev (1m)7.07%
Revenue NQ rev (3m)7.07%
Revenue NY rev (1m)6.33%
Revenue NY rev (3m)2.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.21 | ||
| Fwd PE | 9.08 | ||
| P/S | 1.31 | ||
| P/FCF | 4.94 | ||
| P/OCF | 4.9 | ||
| P/B | 0.36 | ||
| P/tB | 0.36 | ||
| EV/EBITDA | N/A |
EPS(TTM)20.88
EY12.18%
EPS(NY)18.87
Fwd EY11.01%
FCF(TTM)34.66
FCFY20.22%
OCF(TTM)34.99
OCFY20.42%
SpS131.24
BVpS477.7
TBVpS470.64
PEG (NY)19.87
PEG (5Y)4.02
Graham Number473.74
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.63% | ||
| ROE | 4.42% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 16.08% | ||
| GM | N/A | ||
| FCFM | 26.41% |
ROA(3y)0.49%
ROA(5y)0.36%
ROE(3y)3.51%
ROE(5y)2.63%
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 3Y20.95%
PM growth 5Y18.03%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 164.18% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC8.57%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)2.9%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)49.57%
EPS 3Y32.46%
EPS 5Y2.04%
EPS Q2Q%84.55%
EPS Next Y0.41%
EPS Next 2Y0.62%
EPS Next 3Y0.39%
EPS Next 5YN/A
Revenue 1Y (TTM)-3.72%
Revenue growth 3Y19.11%
Revenue growth 5Y15.06%
Sales Q2Q%17.51%
Revenue Next Year5.96%
Revenue Next 2Y3.5%
Revenue Next 3Y3.15%
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 1Y-62.03%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-61.67%
OCF growth 3YN/A
OCF growth 5YN/A
SPAREBANK 1 NORDMOERE / SNOR.OL FAQ
What is the fundamental rating for SNOR stock?
ChartMill assigns a fundamental rating of 4 / 10 to SNOR.OL.
What is the valuation status for SNOR stock?
ChartMill assigns a valuation rating of 6 / 10 to SPAREBANK 1 NORDMOERE (SNOR.OL). This can be considered as Fairly Valued.
What is the profitability of SNOR stock?
SPAREBANK 1 NORDMOERE (SNOR.OL) has a profitability rating of 2 / 10.
How financially healthy is SPAREBANK 1 NORDMOERE?
The financial health rating of SPAREBANK 1 NORDMOERE (SNOR.OL) is 4 / 10.
Is the dividend of SPAREBANK 1 NORDMOERE sustainable?
The dividend rating of SPAREBANK 1 NORDMOERE (SNOR.OL) is 6 / 10 and the dividend payout ratio is 40.26%.