SPAREBANK 1 NORDMOERE (SNOR.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:SNOR - NO0010691660 - Common Stock
176 NOK
+0.98 (+0.56%)
Taking everything into account, SNOR scores 4 out of 10 in our fundamental rating. SNOR was compared to 102 industry peers in the Banks industry. The financial health of SNOR is average, but there are quite some concerns on its profitability. SNOR is valued quite cheap, while showing a decent growth score. This is a good combination! SNOR also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year SNOR was profitable.
SNOR had a positive 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.
1.2 Ratios
SNOR has a Return On Assets (0.63%) which 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: 72.55% 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
With a Profit Margin value of 16.08%, SNOR is not doing good in the industry: 73.53% of the companies in the same industry are doing better.
SNOR's Profit Margin has improved in the last couple of years.
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.
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
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 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.
The Earnings Per Share has been growing slightly by 2.04% on average over the past years.
The Revenue has grown by 22.74% in the past year. This is a very strong growth!
The Revenue has been growing by 15.06% on average over the past years. This is quite good.
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
Based on estimates for the next years, SNOR will show a small growth in Earnings Per Share. The EPS will grow by 1.07% on average per year.
Based on estimates for the next years, SNOR will show a small growth in Revenue. The Revenue will grow by 3.15% on average per year.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 9.13, the valuation of SNOR can be described as reasonable.
82.35% of the companies in the same industry are more expensive than SNOR, based on the Price/Earnings ratio.
SNOR is valuated cheaply when we compare the Price/Earnings ratio to 26.60, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 8.96, the valuation of SNOR can be described as very reasonable.
Based on the Price/Forward Earnings ratio, SNOR is valued cheaper than 90.20% of the companies 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 23.23.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.13 | ||
| Fwd PE | 8.96 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of SNOR indicates a rather cheap valuation: SNOR is cheaper than 86.27% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.08 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.55
PEG (5Y)4.48
EPS Next 2Y2.66%
EPS Next 3Y1.07%
5. Dividend
5.1 Amount
SNOR has a Yearly Dividend Yield of 4.72%, which is a nice return.
Compared to an average industry Dividend Yield of 4.31, SNOR pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.00, SNOR pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.72% |
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 earnings are growing more, so the dividend growth is sustainable.
DP40.26%
EPS Next 2Y2.66%
EPS Next 3Y1.07%
OSL:SNOR (1/2/2026, 7:00:00 PM)
176
+0.98 (+0.56%)
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 Cap1.59B
Revenue(TTM)1.11B
Net Income(TTM)191.25M
Analysts42.22
Price Target179.52 (2%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.72% |
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)0%
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 | 9.13 | ||
| Fwd PE | 8.96 | ||
| P/S | 1.34 | ||
| P/FCF | 5.08 | ||
| P/OCF | 5.03 | ||
| P/B | 0.37 | ||
| P/tB | 0.37 | ||
| EV/EBITDA | N/A |
EPS(TTM)19.28
EY10.95%
EPS(NY)19.65
Fwd EY11.16%
FCF(TTM)34.66
FCFY19.69%
OCF(TTM)34.99
OCFY19.88%
SpS131.24
BVpS477.7
TBVpS470.64
PEG (NY)0.55
PEG (5Y)4.48
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 of SPAREBANK 1 NORDMOERE (SNOR.OL) 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.
Can you provide the expected EPS growth for SNOR stock?
The Earnings per Share (EPS) of SPAREBANK 1 NORDMOERE (SNOR.OL) is expected to grow by 16.56% in the next year.
Can you provide the dividend sustainability for SNOR stock?
The dividend rating of SPAREBANK 1 NORDMOERE (SNOR.OL) is 7 / 10 and the dividend payout ratio is 40.26%.