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SPAREBANK 1 NORDMOERE (SNOR.OL) Stock Fundamental Analysis

OSL:SNOR - Euronext Oslo - NO0010691660 - Common Stock - Currency: NOK

158.5  -3.5 (-2.16%)

Fundamental Rating

4

SNOR gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 96 industry peers in the Banks industry. While SNOR seems to be doing ok healthwise, there are quite some concerns on its profitability. SNOR is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year SNOR was profitable.
SNOR had a negative operating cash flow in the past year.
SNOR had positive earnings in each of the past 5 years.
In multiple years SNOR reported negative operating cash flow during the last 5 years.
SNOR.OL Yearly Net Income VS EBIT VS OCF VS FCFSNOR.OL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -500M -1B -1.5B

1.2 Ratios

With a Return On Assets value of 0.69%, SNOR perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
With a Return On Equity value of 4.74%, SNOR is not doing good in the industry: 72.92% of the companies in the same industry are doing better.
Industry RankSector 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
SNOR.OL Yearly ROA, ROE, ROICSNOR.OL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1 2 3 4

1.3 Margins

SNOR has a worse Profit Margin (14.81%) than 72.92% 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 RankSector 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
SNOR.OL Yearly Profit, Operating, Gross MarginsSNOR.OL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

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4

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.
SNOR.OL Yearly Shares OutstandingSNOR.OL Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M
SNOR.OL Yearly Total Debt VS Total AssetsSNOR.OL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B 25B

2.2 Solvency

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.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC8.54%
SNOR.OL Yearly LT Debt VS Equity VS FCFSNOR.OL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B 3B 4B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SNOR.OL Yearly Current Assets VS Current LiabilitesSNOR.OL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 32.60% over the past year.
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.
Based on estimates for the next years, SNOR will show a small growth in Revenue. The Revenue will grow by 2.49% on average per year.
EPS Next Y-2.76%
EPS Next 2Y-2.37%
EPS Next 3Y-0.5%
EPS Next 5YN/A
Revenue Next Year3.63%
Revenue Next 2Y1.9%
Revenue Next 3Y2.49%
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.
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.
SNOR.OL Yearly Revenue VS EstimatesSNOR.OL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M 1B
SNOR.OL Yearly EPS VS EstimatesSNOR.OL Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5 10 15

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3

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 8.82 indicates a reasonable valuation of SNOR.
SNOR's Price/Earnings is on the same level as the industry average.
SNOR is valuated cheaply when we compare the Price/Earnings ratio to 26.34, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 8.92, which indicates a very decent valuation of SNOR.
The rest of the industry has a similar Price/Forward Earnings ratio as SNOR.
The average S&P500 Price/Forward Earnings ratio is at 22.19. SNOR is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 8.82
Fwd PE 8.92
SNOR.OL Price Earnings VS Forward Price EarningsSNOR.OL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
SNOR.OL Per share dataSNOR.OL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 100 200 300 400

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)4.32
EPS Next 2Y-2.37%
EPS Next 3Y-0.5%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.25%, SNOR is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.14, 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 RankSector Rank
Dividend Yield 5.25%

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 31.29% of its income as dividend. This is a sustainable payout ratio.
DP31.29%
EPS Next 2Y-2.37%
EPS Next 3Y-0.5%
SNOR.OL Yearly Income VS Free CF VS DividendSNOR.OL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -500M -1B -1.5B
SNOR.OL Dividend Payout.SNOR.OL Dividend Payout, showing the Payout Ratio.SNOR.OL Dividend Payout.PayoutRetained Earnings

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SPAREBANK 1 NORDMOERE

OSL:SNOR (6/20/2025, 4:12:34 PM)

158.5

-3.5 (-2.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)05-09 2025-05-09/bmo
Earnings (Next)08-07 2025-08-07
Inst Owners5.97%
Inst Owner ChangeN/A
Ins Owners7.6%
Ins Owner ChangeN/A
Market Cap1.44B
Analysts42.22
Price Target169.32 (6.83%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.25%
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)29.06%
EPS NQ rev (3m)29.06%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.63%
Revenue NQ rev (1m)0.84%
Revenue NQ rev (3m)0.84%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.69%
Valuation
Industry RankSector Rank
PE 8.82
Fwd PE 8.92
P/S 1.06
P/FCF N/A
P/OCF N/A
P/B 0.34
P/tB 0.34
EV/EBITDA N/A
EPS(TTM)17.98
EY11.34%
EPS(NY)17.77
Fwd EY11.21%
FCF(TTM)-64.35
FCFYN/A
OCF(TTM)-62.8
OCFYN/A
SpS150
BVpS468.87
TBVpS461.81
PEG (NY)N/A
PEG (5Y)4.32
Profitability
Industry RankSector 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 RankSector 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
WACC8.54%
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 Year3.63%
Revenue Next 2Y1.9%
Revenue Next 3Y2.49%
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