SPAREBANK 1 NORDMOERE (SNOR.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:SNOR - NO0010691660 - Common Stock
167 NOK
-2.48 (-1.46%)
Overall SNOR gets a fundamental rating of 4 out of 10. We evaluated SNOR against 108 industry peers in the Banks industry. SNOR scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. SNOR scores decently on growth, while it is valued quite cheap. This could make an interesting combination. SNOR also has an excellent dividend rating.
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.
Each year in the past 5 years SNOR has been profitable.
In multiple years SNOR reported negative operating cash flow during the last 5 years.
1.2 Ratios
The Return On Assets of SNOR (0.63%) is comparable to the rest of the industry.
With a Return On Equity value of 4.42%, SNOR is not doing good in the industry: 74.07% 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's Profit Margin of 16.08% is on the low side compared to the rest of the industry. SNOR is outperformed by 74.07% of its industry peers.
In the last couple of years the Profit Margin of SNOR has grown nicely.
SNOR does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
The number of shares outstanding for SNOR remains at a similar level compared to 1 year ago.
Compared to 5 years ago, SNOR has more shares outstanding
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
The Earnings Per Share has grown by an nice 12.16% over the past year.
SNOR shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.04% yearly.
Looking at the last year, SNOR shows a very strong growth in Revenue. The Revenue has grown by 22.74%.
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)12.16%
EPS 3Y32.46%
EPS 5Y2.04%
EPS Q2Q%-25.28%
Revenue 1Y (TTM)22.74%
Revenue growth 3Y19.11%
Revenue growth 5Y15.06%
Sales Q2Q%19.15%
3.2 Future
SNOR is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.07% yearly.
The Revenue is expected to grow by 3.15% on average over the next years.
EPS Next Y16.56%
EPS Next 2Y2.66%
EPS Next 3Y1.07%
EPS Next 5YN/A
Revenue Next Year5.96%
Revenue Next 2Y3.5%
Revenue Next 3Y3.15%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
SNOR is valuated reasonably with a Price/Earnings ratio of 8.66.
Based on the Price/Earnings ratio, SNOR is valued cheaper than 83.33% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.31. SNOR is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 8.50, the valuation of SNOR can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SNOR indicates a rather cheap valuation: SNOR is cheaper than 87.96% of the companies listed in the same industry.
SNOR's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.59.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.66 | ||
| Fwd PE | 8.5 |
4.2 Price Multiples
SNOR's Price/Free Cash Flow ratio is rather cheap when compared to the industry. SNOR is cheaper than 87.04% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.82 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
SNOR's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.52
PEG (5Y)4.25
EPS Next 2Y2.66%
EPS Next 3Y1.07%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.00%, SNOR is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.85, SNOR pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.40, SNOR pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5% |
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
SNOR pays out 40.26% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of SNOR is growing, but earnings are growing more, so the dividend growth is sustainable.
DP40.26%
EPS Next 2Y2.66%
EPS Next 3Y1.07%
OSL:SNOR (11/28/2025, 7:00:00 PM)
167
-2.48 (-1.46%)
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 Cap1.51B
Revenue(TTM)1.11B
Net Income(TTM)191.25M
Analysts42.22
Price Target179.52 (7.5%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5% |
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)0%
PT rev (3m)6.02%
EPS NQ rev (1m)0%
EPS NQ rev (3m)10.48%
EPS NY rev (1m)16.08%
EPS NY rev (3m)16.08%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)7.07%
Revenue NY rev (1m)0%
Revenue NY rev (3m)6.33%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.66 | ||
| Fwd PE | 8.5 | ||
| P/S | 1.27 | ||
| P/FCF | 4.82 | ||
| P/OCF | 4.77 | ||
| P/B | 0.35 | ||
| P/tB | 0.35 | ||
| EV/EBITDA | N/A |
EPS(TTM)19.28
EY11.54%
EPS(NY)19.65
Fwd EY11.76%
FCF(TTM)34.66
FCFY20.75%
OCF(TTM)34.99
OCFY20.95%
SpS131.24
BVpS477.7
TBVpS470.64
PEG (NY)0.52
PEG (5Y)4.25
Graham Number455.22
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)12.16%
EPS 3Y32.46%
EPS 5Y2.04%
EPS Q2Q%-25.28%
EPS Next Y16.56%
EPS Next 2Y2.66%
EPS Next 3Y1.07%
EPS Next 5YN/A
Revenue 1Y (TTM)22.74%
Revenue growth 3Y19.11%
Revenue growth 5Y15.06%
Sales Q2Q%19.15%
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 7 / 10 to SPAREBANK 1 NORDMOERE (SNOR.OL). This can be considered as Undervalued.
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 7 / 10 and the dividend payout ratio is 40.26%.