SNOR Fundamental Analysis - SPAREBANK 1 NORDMOERE

Fundamental Rating

Overall SNOR gets a fundamental rating of 4 out of 10. We evaluated SNOR against 96 industry peers in the Banks industry. The financial health of SNOR is average, but there are quite some concerns on its profitability. SNOR is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

SNOR had positive earnings in the past year.

In the past year SNOR has reported a negative cash flow from operations.

In the past 5 years SNOR has always been profitable.

In multiple years SNOR reported negative operating cash flow during the last 5 years.

1.2 Ratios

SNOR has a Return On Assets of 0.69%. This is comparable to the rest of the industry: SNOR outperforms 47.92% of its industry peers.

SNOR has a worse Return On Equity (4.74%) than 72.92% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

SNOR's Profit Margin of 14.81% is on the low side compared to the rest of the industry. SNOR is outperformed by 73.96% 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 Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

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

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	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC8.52%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

SNOR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 49.57%, which is quite impressive.

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

Looking at the last year, SNOR shows a very strong growth in Revenue. The Revenue has grown by 22.74%.

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)22.74%

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.

SNOR is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.70% yearly.

EPS Next Y0.41%

EPS Next 2Y0.62%

EPS Next 3Y0.39%

EPS Next 5YN/A

Revenue Next Year-0.34%

Revenue Next 2Y0.59%

Revenue Next 3Y1.7%

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.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 7.81, the valuation of SNOR can be described as very cheap.

80.21% of the companies in the same industry are more expensive than SNOR, based on the Price/Earnings ratio.

Compared to an average S&P500 Price/Earnings ratio of 26.84, SNOR is valued rather cheaply.

With a Price/Forward Earnings ratio of 8.64, the valuation of SNOR can be described as very reasonable.

Based on the Price/Forward Earnings ratio, SNOR is valued a bit cheaper than the industry average as 78.13% of the companies are valued more expensively.

When comparing the Price/Forward Earnings ratio of SNOR to the average of the S&P500 Index (22.48), we can say SNOR is valued rather cheaply.

		Industry Rank	Sector Rank
PE	7.81
Fwd PE	8.64

4.2 Price Multiples

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

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates SNOR does not grow enough to justify the current Price/Earnings ratio.

PEG (NY)18.9

PEG (5Y)3.83

EPS Next 2Y0.62%

EPS Next 3Y0.39%

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5. Dividend

5.1 Amount

SNOR has a Yearly Dividend Yield of 5.22%, which is a nice return.

SNOR's Dividend Yield is comparable with the industry average which is at 5.01.

SNOR's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.

		Industry Rank	Sector Rank
Dividend Yield	5.22%

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

31.29% of the earnings are spent on dividend by SNOR. This is a low number and sustainable payout ratio.

The dividend of SNOR is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP31.29%

EPS Next 2Y0.62%

EPS Next 3Y0.39%

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SPAREBANK 1 NORDMOERE

OSL:SNOR (9/2/2025, 7:00:00 PM)

163

+0.32 (+0.2%)

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 Owners5.97%

Inst Owner ChangeN/A

Ins Owners7.6%

Ins Owner ChangeN/A

Market Cap1.48B

Analysts42.22

Price Target169.32 (3.88%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.22%

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)0%

EPS NQ rev (3m)-19.51%

EPS NY rev (1m)3.26%

EPS NY rev (3m)3.26%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-4.19%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-3.84%

Valuation

		Industry Rank	Sector Rank
PE	7.81
Fwd PE	8.64
P/S	1.09
P/FCF	N/A
P/OCF	N/A
P/B	0.35
P/tB	0.35
EV/EBITDA	N/A

EPS(TTM)20.88

EY12.81%

EPS(NY)18.87

Fwd EY11.58%

FCF(TTM)-64.35

FCFYN/A

OCF(TTM)-62.8

OCFYN/A

SpS150

BVpS468.87

TBVpS461.81

PEG (NY)18.9

PEG (5Y)3.83

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC8.52%

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)22.74%

Revenue growth 3Y19.11%

Revenue growth 5Y15.06%

Sales Q2Q%17.51%

Revenue Next Year-0.34%

Revenue Next 2Y0.59%

Revenue Next 3Y1.7%

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

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