SPAREBANK 1 NORDMOERE (SNOR.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:SNOR - NO0010691660 - Common Stock
180.04 NOK
+0.04 (+0.02%)
Taking everything into account, SNOR scores 4 out of 10 in our fundamental rating. SNOR was compared to 114 industry peers in the Banks industry. While SNOR seems to be doing ok healthwise, there are quite some concerns on its profitability. 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.
SNOR had a positive operating cash flow in the past year.
Each year in the past 5 years SNOR has been profitable.
The reported operating cash flow has been mixed in the past 5 years: SNOR reported negative operating cash flow in multiple years.
1.2 Ratios
With a Return On Assets value of 0.63%, SNOR perfoms like the industry average, outperforming 42.11% of the companies in the same industry.
SNOR's Return On Equity of 4.42% is on the low side compared to the rest of the industry. SNOR is outperformed by 74.56% of its industry peers.
| 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
The Profit Margin of SNOR (16.08%) is worse than 74.56% 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 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.
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.
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 | 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
SNOR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.16%, which is quite good.
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.
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
The Price/Earnings ratio is 9.34, which indicates a very decent valuation of SNOR.
81.58% of the companies in the same industry are more expensive than SNOR, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of SNOR to the average of the S&P500 Index (27.19), we can say SNOR is valued rather cheaply.
The Price/Forward Earnings ratio is 9.16, which indicates a very decent valuation of SNOR.
SNOR's Price/Forward Earnings ratio is rather cheap when compared to the industry. SNOR is cheaper than 89.47% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of SNOR to the average of the S&P500 Index (23.88), we can say SNOR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.34 | ||
| Fwd PE | 9.16 |
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 87.72% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.19 | ||
| 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)0.56
PEG (5Y)4.58
EPS Next 2Y2.66%
EPS Next 3Y1.07%
5. Dividend
5.1 Amount
SNOR has a Yearly Dividend Yield of 4.86%, which is a nice return.
Compared to an average industry Dividend Yield of 3.98, SNOR pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.94, SNOR pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.86% |
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 (1/8/2026, 7:00:00 PM)
180.04
+0.04 (+0.02%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners7.56%
Inst Owner ChangeN/A
Ins Owners7.48%
Ins Owner ChangeN/A
Market Cap1.63B
Revenue(TTM)1.11B
Net Income(TTM)191.25M
Analysts42.22
Price Target179.52 (-0.29%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.86% |
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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)16.08%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.34 | ||
| Fwd PE | 9.16 | ||
| P/S | 1.37 | ||
| P/FCF | 5.19 | ||
| P/OCF | 5.15 | ||
| P/B | 0.38 | ||
| P/tB | 0.38 | ||
| EV/EBITDA | N/A |
EPS(TTM)19.28
EY10.71%
EPS(NY)19.65
Fwd EY10.91%
FCF(TTM)34.66
FCFY19.25%
OCF(TTM)34.99
OCFY19.43%
SpS131.24
BVpS477.7
TBVpS470.64
PEG (NY)0.56
PEG (5Y)4.58
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%.