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 99 industry peers in the Banks industry. SNOR scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. SNOR has a decent growth rate and is not valued too expensively.

Quickly go to:

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.

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

SNOR's Return On Assets of 0.63% is in line compared to the rest of the industry. SNOR outperforms 46.46% of its industry peers.

With a Return On Equity value of 4.42%, SNOR is not doing good in the industry: 71.72% 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

SNOR has a worse Profit Margin (16.08%) than 72.73% 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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

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.

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.

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

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 49.57% over the past year.

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

The Revenue has decreased by -3.72% in the past year.

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)49.57%

EPS 3Y32.46%

EPS 5Y2.04%

EPS Q2Q%84.55%

Revenue 1Y (TTM)-3.72%

Revenue growth 3Y19.11%

Revenue growth 5Y15.06%

Sales Q2Q%17.51%

3.2 Future

The Earnings Per Share is expected to grow by 0.39% on average over the next years.

The Revenue is expected to grow by 3.15% on average over the next years.

EPS Next Y0.41%

EPS Next 2Y0.62%

EPS Next 3Y0.39%

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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 8.29 indicates a reasonable valuation of SNOR.

80.81% 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 27.67, which is the current average of the S&P500 Index.

With a Price/Forward Earnings ratio of 9.17, 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 67.68% of the companies listed in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 23.33. SNOR is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	8.29
Fwd PE	9.17

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 83.84% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	4.99
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

PEG (NY)20.06

PEG (5Y)4.06

EPS Next 2Y0.62%

EPS Next 3Y0.39%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

SNOR has a Yearly Dividend Yield of 4.89%, which is a nice return.

Compared to an average industry Dividend Yield of 4.86, SNOR has a dividend in line with its industry peers.

SNOR's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.

		Industry Rank	Sector Rank
Dividend Yield	4.89%

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 the earnings are growing slower. This means the dividend growth is not sustainable.

DP40.26%

EPS Next 2Y0.62%

EPS Next 3Y0.39%

More info and screens

Find the best dividend stocks

Show peers with best dividend

SPAREBANK 1 NORDMOERE

OSL:SNOR (10/23/2025, 7:00:00 PM)

173

+0.98 (+0.57%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)08-15 2025-08-15/bmo

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

Inst Owners7.56%

Inst Owner ChangeN/A

Ins Owners7.71%

Ins Owner ChangeN/A

Market Cap1.57B

Revenue(TTM)1.19B

Net Income(TTM)191.25M

Analysts42.22

Price Target179.52 (3.77%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.89%

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)6.02%

PT rev (3m)6.02%

EPS NQ rev (1m)10.48%

EPS NQ rev (3m)10.48%

EPS NY rev (1m)0%

EPS NY rev (3m)3.26%

Revenue NQ rev (1m)7.07%

Revenue NQ rev (3m)7.07%

Revenue NY rev (1m)6.33%

Revenue NY rev (3m)2.25%

Valuation

		Industry Rank	Sector Rank
PE	8.29
Fwd PE	9.17
P/S	1.32
P/FCF	4.99
P/OCF	4.94
P/B	0.36
P/tB	0.37
EV/EBITDA	N/A

EPS(TTM)20.88

EY12.07%

EPS(NY)18.87

Fwd EY10.91%

FCF(TTM)34.66

FCFY20.03%

OCF(TTM)34.99

OCFY20.22%

SpS131.24

BVpS477.7

TBVpS470.64

PEG (NY)20.06

PEG (5Y)4.06

Graham Number473.74

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)49.57%

EPS 3Y32.46%

EPS 5Y2.04%

EPS Q2Q%84.55%

EPS Next Y0.41%

EPS Next 2Y0.62%

EPS Next 3Y0.39%

EPS Next 5YN/A

Revenue 1Y (TTM)-3.72%

Revenue growth 3Y19.11%

Revenue growth 5Y15.06%

Sales Q2Q%17.51%

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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

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