SPAREBANK 1 NORDMOERE (SNOR.OL) Fundamental Analysis & Valuation

OSL:SNOR • NO0010691660

Current stock price

197 NOK
-4.15 (-2.06%)
Last:

This SNOR.OL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. SNOR.OL Profitability Analysis

1.1 Basic Checks

  • SNOR had positive earnings in the past year.
  • SNOR had a positive 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.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -500M -1B -1.5B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.56%, SNOR is doing worse than 64.15% of the companies in the same industry.
  • SNOR's Return On Equity of 3.71% is on the low side compared to the rest of the industry. SNOR is outperformed by 78.30% of its industry peers.
Industry RankSector Rank
ROA 0.56%
ROE 3.71%
ROIC N/A
ROA(3y)0.52%
ROA(5y)0.45%
ROE(3y)3.58%
ROE(5y)3.19%
ROIC(3y)N/A
ROIC(5y)N/A
SNOR.OL Yearly ROA, ROE, ROICSNOR.OL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3 4

1.3 Margins

  • SNOR has a Profit Margin of 15.06%. This is amonst the worse of the industry: SNOR underperforms 83.96% of its industry peers.
  • 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 RankSector Rank
OM N/A
PM (TTM) 15.06%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.93%
PM growth 5Y27.42%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

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4

2. SNOR.OL Health Analysis

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.
SNOR.OL Yearly Shares OutstandingSNOR.OL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M
SNOR.OL Yearly Total Debt VS Total AssetsSNOR.OL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

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 0
Altman-Z N/A
ROIC/WACCN/A
WACC8.57%
SNOR.OL Yearly LT Debt VS Equity VS FCFSNOR.OL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. SNOR.OL Growth Analysis

3.1 Past

  • SNOR shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.23%.
  • The Earnings Per Share has been growing by 13.93% on average over the past years. This is quite good.
  • The Revenue for SNOR has decreased by -16.90% in the past year. This is quite bad
  • SNOR shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 19.76% yearly.
EPS 1Y (TTM)1.23%
EPS 3Y11.05%
EPS 5Y13.93%
EPS Q2Q%-8.44%
Revenue 1Y (TTM)-16.9%
Revenue growth 3Y11.82%
Revenue growth 5Y19.76%
Sales Q2Q%-9.9%

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 2.96% on average per year.
  • The Revenue is expected to grow by 2.13% on average over the next years.
EPS Next Y10%
EPS Next 2Y2.96%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.83%
Revenue Next 2Y2.13%
Revenue Next 3YN/A
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.
SNOR.OL Yearly Revenue VS EstimatesSNOR.OL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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 20

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6

4. SNOR.OL Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.44, which indicates a very decent valuation of SNOR.
  • Based on the Price/Earnings ratio, SNOR is valued a bit cheaper than 66.98% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of SNOR to the average of the S&P500 Index (27.95), we can say SNOR is valued rather cheaply.
  • SNOR is valuated reasonably with a Price/Forward Earnings ratio of 9.49.
  • 84.91% of the companies in the same industry are more expensive than SNOR, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 38.68. SNOR is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.44
Fwd PE 9.49
SNOR.OL Price Earnings VS Forward Price EarningsSNOR.OL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, SNOR is valued a bit cheaper than the industry average as 77.36% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 6.33
EV/EBITDA N/A
SNOR.OL Per share dataSNOR.OL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 100 200 300 400 500

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.04
PEG (5Y)0.75
EPS Next 2Y2.96%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. SNOR.OL Dividend Analysis

5.1 Amount

  • SNOR has a Yearly Dividend Yield of 5.47%, which is a nice return.
  • SNOR's Dividend Yield is a higher than the industry average which is at 4.47.
  • SNOR's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 5.47%

5.2 History

  • The dividend of SNOR has a limited annual growth rate of 3.08%.
Dividend Growth(5Y)3.08%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 45.02% 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.
DP45.02%
EPS Next 2Y2.96%
EPS Next 3YN/A
SNOR.OL Yearly Income VS Free CF VS DividendSNOR.OL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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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SNOR.OL Fundamentals: All Metrics, Ratios and Statistics

SPAREBANK 1 NORDMOERE

OSL:SNOR (4/17/2026, 7:00:00 PM)

197

-4.15 (-2.06%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-12
Earnings (Next)04-29
Inst Owners7.56%
Inst Owner ChangeN/A
Ins Owners7.48%
Ins Owner ChangeN/A
Market Cap1.78B
Revenue(TTM)1.14B
Net Income(TTM)171.03M
Analysts82.86
Price Target188.7 (-4.21%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.47%
Yearly Dividend8.5
Dividend Growth(5Y)3.08%
DP45.02%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-7.51%
Min EPS beat(2)-14.96%
Max EPS beat(2)-0.06%
EPS beat(4)1
Avg EPS beat(4)0.83%
Min EPS beat(4)-26.31%
Max EPS beat(4)44.66%
EPS beat(8)4
Avg EPS beat(8)4.51%
EPS beat(12)4
Avg EPS beat(12)-6.54%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)5.05%
Min Revenue beat(2)-0.45%
Max Revenue beat(2)10.55%
Revenue beat(4)2
Avg Revenue beat(4)4.24%
Min Revenue beat(4)-1.31%
Max Revenue beat(4)10.55%
Revenue beat(8)5
Avg Revenue beat(8)5.36%
Revenue beat(12)8
Avg Revenue beat(12)3.8%
Revenue beat(16)12
Avg Revenue beat(16)7.83%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)5.66%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.44%
Valuation
Industry RankSector Rank
PE 10.44
Fwd PE 9.49
P/S 1.57
P/FCF 6.33
P/OCF 5.16
P/B 0.39
P/tB 0.39
EV/EBITDA N/A
EPS(TTM)18.87
EY9.58%
EPS(NY)20.76
Fwd EY10.54%
FCF(TTM)31.13
FCFY15.8%
OCF(TTM)38.19
OCFY19.39%
SpS125.39
BVpS508.17
TBVpS501.44
PEG (NY)1.04
PEG (5Y)0.75
Graham Number464.495 (135.78%)
Profitability
Industry RankSector Rank
ROA 0.56%
ROE 3.71%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 15.06%
GM N/A
FCFM 24.82%
ROA(3y)0.52%
ROA(5y)0.45%
ROE(3y)3.58%
ROE(5y)3.19%
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 3Y-0.93%
PM growth 5Y27.42%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 5.63%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 164.89%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC8.57%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)3.58%
Cap/Sales(5y)4.75%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)1.23%
EPS 3Y11.05%
EPS 5Y13.93%
EPS Q2Q%-8.44%
EPS Next Y10%
EPS Next 2Y2.96%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-16.9%
Revenue growth 3Y11.82%
Revenue growth 5Y19.76%
Sales Q2Q%-9.9%
Revenue Next Year2.83%
Revenue Next 2Y2.13%
Revenue Next 3YN/A
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 1Y166.51%
FCF growth 3YN/A
FCF growth 5Y-3.04%
OCF growth 1Y185.64%
OCF growth 3YN/A
OCF growth 5Y1.01%

SPAREBANK 1 NORDMOERE / SNOR.OL Fundamental Analysis 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 6 / 10 to SPAREBANK 1 NORDMOERE (SNOR.OL). This can be considered as Fairly Valued.


How profitable is SPAREBANK 1 NORDMOERE (SNOR.OL) stock?

SPAREBANK 1 NORDMOERE (SNOR.OL) has a profitability rating of 2 / 10.


What is the valuation of SPAREBANK 1 NORDMOERE based on its PE and PB ratios?

The Price/Earnings (PE) ratio for SPAREBANK 1 NORDMOERE (SNOR.OL) is 10.44 and the Price/Book (PB) ratio is 0.39.


What is the financial health of SPAREBANK 1 NORDMOERE (SNOR.OL) stock?

The financial health rating of SPAREBANK 1 NORDMOERE (SNOR.OL) is 4 / 10.