SNOR Fundamental Analysis - SPAREBANK 1 NORDMOERE

Fundamental Rating

Taking everything into account, SNOR scores 4 out of 10 in our fundamental rating. SNOR was compared to 92 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 correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

SNOR had positive earnings in the past year.

SNOR had a negative operating cash flow in the past year.

In the past 5 years SNOR has always 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 (0.69%) is comparable to the rest of the industry.

SNOR has a Return On Equity of 4.74%. This is in the lower half of the industry: SNOR underperforms 73.63% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.69%
ROE	4.74%
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 14.81% is on the low side compared to the rest of the industry. SNOR is outperformed by 73.63% 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)	14.81%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

SNOR has more shares outstanding than it did 5 years ago.

SNOR 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

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	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC8.6%

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

SNOR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 32.60%, which is quite impressive.

The Earnings Per Share has been growing slightly by 2.04% on average over the past years.

The Revenue has grown by 42.90% in the past year. This is a very strong growth!

Measured over the past years, SNOR shows a quite strong growth in Revenue. The Revenue has been growing by 15.06% on average per year.

EPS 1Y (TTM)32.6%

EPS 3Y32.46%

EPS 5Y2.04%

EPS Q2Q%-16.42%

Revenue 1Y (TTM)42.9%

Revenue growth 3Y19.11%

Revenue growth 5Y15.06%

Sales Q2Q%-4.37%

3.2 Future

SNOR is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.50% yearly.

SNOR is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.70% yearly.

EPS Next Y-2.76%

EPS Next 2Y-2.37%

EPS Next 3Y-0.5%

EPS Next 5YN/A

Revenue Next Year-0.34%

Revenue Next 2Y0.59%

Revenue Next 3Y1.7%

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 Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 8.79, the valuation of SNOR can be described as reasonable.

Based on the Price/Earnings ratio, SNOR is valued a bit cheaper than the industry average as 70.33% of the companies are valued more expensively.

SNOR's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.51.

With a Price/Forward Earnings ratio of 8.89, the valuation of SNOR can be described as very reasonable.

Compared to the rest of the industry, the Price/Forward Earnings ratio of SNOR indicates a somewhat cheap valuation: SNOR is cheaper than 72.53% of the companies listed in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 34.09. SNOR is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	8.79
Fwd PE	8.89

4.2 Price Multiples

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

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)4.31

EPS Next 2Y-2.37%

EPS Next 3Y-0.5%

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5. Dividend

5.1 Amount

SNOR has a Yearly Dividend Yield of 5.30%, which is a nice return.

Compared to an average industry Dividend Yield of 4.93, SNOR has a dividend in line with 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	5.3%

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

31.29% of the earnings are spent on dividend by SNOR. This is a low number and sustainable payout ratio.

DP31.29%

EPS Next 2Y-2.37%

EPS Next 3Y-0.5%

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SPAREBANK 1 NORDMOERE

OSL:SNOR (8/8/2025, 7:00:00 PM)

158.04

-2.46 (-1.53%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)08-07 2025-08-07

Earnings (Next)10-30 2025-10-30

Inst Owners5.97%

Inst Owner ChangeN/A

Ins Owners7.6%

Ins Owner ChangeN/A

Market Cap1.43B

Analysts42.22

Price Target169.32 (7.14%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.3%

Yearly Dividend6.95

Dividend Growth(5Y)0.59%

DP31.29%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-10.79%

Min EPS beat(2)-26.31%

Max EPS beat(2)4.72%

EPS beat(4)2

Avg EPS beat(4)-2.37%

Min EPS beat(4)-26.31%

Max EPS beat(4)23.13%

EPS beat(8)3

Avg EPS beat(8)-10.23%

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)1

Avg Revenue beat(2)9.49%

Min Revenue beat(2)-1.31%

Max Revenue beat(2)20.29%

Revenue beat(4)2

Avg Revenue beat(4)3.83%

Min Revenue beat(4)-7.46%

Max Revenue beat(4)20.29%

Revenue beat(8)5

Avg Revenue beat(8)3.34%

Revenue beat(12)9

Avg Revenue beat(12)6.27%

Revenue beat(16)13

Avg Revenue beat(16)11.74%

PT rev (1m)0%

PT rev (3m)0%

EPS NQ rev (1m)0%

EPS NQ rev (3m)3.87%

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-3.39%

Revenue NY rev (1m)-3.84%

Revenue NY rev (3m)-3.84%

Valuation

		Industry Rank	Sector Rank
PE	8.79
Fwd PE	8.89
P/S	1.05
P/FCF	N/A
P/OCF	N/A
P/B	0.34
P/tB	0.34
EV/EBITDA	N/A

EPS(TTM)17.98

EY11.38%

EPS(NY)17.77

Fwd EY11.24%

FCF(TTM)-64.35

FCFYN/A

OCF(TTM)-62.8

OCFYN/A

SpS150

BVpS468.87

TBVpS461.81

PEG (NY)N/A

PEG (5Y)4.31

Profitability

		Industry Rank	Sector Rank
ROA	0.69%
ROE	4.74%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	14.81%
GM	N/A
FCFM	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

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 3Y20.95%

PM growth 5Y18.03%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	1.03%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
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)2.9%

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)32.6%

EPS 3Y32.46%

EPS 5Y2.04%

EPS Q2Q%-16.42%

EPS Next Y-2.76%

EPS Next 2Y-2.37%

EPS Next 3Y-0.5%

EPS Next 5YN/A

Revenue 1Y (TTM)42.9%

Revenue growth 3Y19.11%

Revenue growth 5Y15.06%

Sales Q2Q%-4.37%

Revenue Next Year-0.34%

Revenue Next 2Y0.59%

Revenue Next 3Y1.7%

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-329.53%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-324.02%

OCF growth 3YN/A

OCF growth 5YN/A

SPAREBANK 1 NORDMOERE (SNOR.OL) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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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