SOGN Fundamental Analysis - SOGN SPAREBANK

Fundamental Rating

SOGN gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 108 industry peers in the Banks industry. Both the profitability and financial health of SOGN have multiple concerns. SOGN has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

SOGN had positive earnings in the past year.

In the past year SOGN had a positive cash flow from operations.

In the past 5 years SOGN has always been profitable.

SOGN had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.16%, SOGN is doing worse than 90.74% of the companies in the same industry.

SOGN has a worse Return On Equity (1.09%) than 90.74% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.16%
ROE	1.09%
ROIC	N/A

ROA(3y)0.15%

ROA(5y)0.12%

ROE(3y)1.02%

ROE(5y)0.86%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

With a Profit Margin value of 5.05%, SOGN is not doing good in the industry: 90.74% of the companies in the same industry are doing better.

In the last couple of years the Profit Margin of SOGN has grown nicely.

SOGN 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)	5.05%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y5.94%

PM growth 5Y15.43%

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

SOGN does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, SOGN has about the same amount of shares outstanding.

The number of shares outstanding for SOGN has been increased compared to 5 years ago.

SOGN has a worse debt/assets ratio than last year.

2.2 Solvency

SOGN has a debt to FCF ratio of 3.15. This is a good value and a sign of high solvency as SOGN would need 3.15 years to pay back of all of its debts.

SOGN's Debt to FCF ratio of 3.15 is amongst the best of the industry. SOGN outperforms 93.52% of its industry peers.

A Debt/Equity ratio of 0.58 indicates that SOGN is somewhat dependend on debt financing.

With an excellent Debt to Equity ratio value of 0.58, SOGN belongs to the best of the industry, outperforming 87.04% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.58
Debt/FCF	3.15
Altman-Z	N/A

ROIC/WACCN/A

WACC5.82%

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

SOGN shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.99%.

Measured over the past years, SOGN shows a very strong growth in Earnings Per Share. The EPS has been growing by 30.40% on average per year.

The Revenue has been growing slightly by 6.71% in the past year.

SOGN shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.33% yearly.

EPS 1Y (TTM)4.99%

EPS 3Y21.3%

EPS 5Y30.4%

EPS Q2Q%7.45%

Revenue 1Y (TTM)6.71%

Revenue growth 3Y14.81%

Revenue growth 5Y9.33%

Sales Q2Q%4.61%

3.2 Future

The Earnings Per Share is expected to decrease by -2.32% on average over the next years.

SOGN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.27% yearly.

EPS Next Y-1.23%

EPS Next 2Y-2.06%

EPS Next 3Y-2.32%

EPS Next 5YN/A

Revenue Next Year3.13%

Revenue Next 2Y3.26%

Revenue Next 3Y3.27%

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.

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

A Price/Earnings ratio of 12.26 indicates a correct valuation of SOGN.

Compared to the rest of the industry, the Price/Earnings ratio of SOGN indicates a slightly more expensive valuation: SOGN is more expensive than 72.22% of the companies listed in the same industry.

SOGN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.31.

SOGN is valuated correctly with a Price/Forward Earnings ratio of 13.19.

Compared to the rest of the industry, the Price/Forward Earnings ratio of SOGN indicates a slightly more expensive valuation: SOGN is more expensive than 76.85% of the companies listed in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 36.59, SOGN is valued rather cheaply.

		Industry Rank	Sector Rank
PE	12.26
Fwd PE	13.19

4.2 Price Multiples

SOGN's Price/Free Cash Flow ratio is rather cheap when compared to the industry. SOGN is cheaper than 99.07% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	0.78
EV/EBITDA	N/A

4.3 Compensation for Growth

SOGN's earnings are expected to decrease with -2.32% in the coming years. This may justify a cheaper valuation.

PEG (NY)N/A

PEG (5Y)0.4

EPS Next 2Y-2.06%

EPS Next 3Y-2.32%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.33%, SOGN is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 4.85, SOGN pays a better dividend. On top of this SOGN pays more dividend than 87.96% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.40, SOGN pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	7.33%

5.2 History

The dividend of SOGN is nicely growing with an annual growth rate of 47.25%!

Dividend Growth(5Y)47.25%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

95.19% of the earnings are spent on dividend by SOGN. This is not a sustainable payout ratio.

The Dividend Rate of SOGN has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.

DP95.19%

EPS Next 2Y-2.06%

EPS Next 3Y-2.32%

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SOGN SPAREBANK

OSL:SOGN (11/28/2025, 7:00:00 PM)

275.75

+1.75 (+0.64%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)11-14 2025-11-14/dmh

Earnings (Next)02-12 2026-02-12

Inst Owners7.94%

Inst Owner ChangeN/A

Ins Owners13.8%

Ins Owner ChangeN/A

Market Cap173.72M

Revenue(TTM)253.20M

Net Income(TTM)13.29M

Analysts37.78

Price Target187.68 (-31.94%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.33%

Yearly Dividend15

Dividend Growth(5Y)47.25%

DP95.19%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)20.82%

Min EPS beat(2)-2.42%

Max EPS beat(2)44.06%

EPS beat(4)2

Avg EPS beat(4)30.3%

Min EPS beat(4)-3.79%

Max EPS beat(4)83.36%

EPS beat(8)5

Avg EPS beat(8)23.18%

EPS beat(12)8

Avg EPS beat(12)21.41%

EPS beat(16)11

Avg EPS beat(16)17.73%

Revenue beat(2)2

Avg Revenue beat(2)15.23%

Min Revenue beat(2)11.6%

Max Revenue beat(2)18.87%

Revenue beat(4)4

Avg Revenue beat(4)13.76%

Min Revenue beat(4)8.9%

Max Revenue beat(4)18.87%

Revenue beat(8)7

Avg Revenue beat(8)10.58%

Revenue beat(12)11

Avg Revenue beat(12)12.59%

Revenue beat(16)14

Avg Revenue beat(16)11.64%

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)0%

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	12.26
Fwd PE	13.19
P/S	0.66
P/FCF	0.78
P/OCF	0.75
P/B	0.14
P/tB	0.14
EV/EBITDA	N/A

EPS(TTM)22.5

EY8.16%

EPS(NY)20.9

Fwd EY7.58%

FCF(TTM)353.85

FCFY128.32%

OCF(TTM)365.51

OCFY132.55%

SpS418.14

BVpS1935.34

TBVpS1935.34

PEG (NY)N/A

PEG (5Y)0.4

Graham Number989.83

Profitability

		Industry Rank	Sector Rank
ROA	0.16%
ROE	1.09%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	5.05%
GM	N/A
FCFM	84.63%

ROA(3y)0.15%

ROA(5y)0.12%

ROE(3y)1.02%

ROE(5y)0.86%

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 3Y5.94%

PM growth 5Y15.43%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.58
Debt/FCF	3.15
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	2.79%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	1677.42%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC5.82%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)3.66%

Cap/Sales(5y)3.2%

Profit Quality(3y)1030.99%

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)4.99%

EPS 3Y21.3%

EPS 5Y30.4%

EPS Q2Q%7.45%

EPS Next Y-1.23%

EPS Next 2Y-2.06%

EPS Next 3Y-2.32%

EPS Next 5YN/A

Revenue 1Y (TTM)6.71%

Revenue growth 3Y14.81%

Revenue growth 5Y9.33%

Sales Q2Q%4.61%

Revenue Next Year3.13%

Revenue Next 2Y3.26%

Revenue Next 3Y3.27%

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 1Y303.32%

FCF growth 3Y204.33%

FCF growth 5Y14.64%

OCF growth 1Y321.56%

OCF growth 3Y113.38%

OCF growth 5Y15.24%

SOGN SPAREBANK / SOGN.OL FAQ

Can you provide the ChartMill fundamental rating for SOGN SPAREBANK?

ChartMill assigns a fundamental rating of 3 / 10 to SOGN.OL.

What is the valuation status of SOGN SPAREBANK (SOGN.OL) stock?

ChartMill assigns a valuation rating of 4 / 10 to SOGN SPAREBANK (SOGN.OL). This can be considered as Fairly Valued.

Can you provide the profitability details for SOGN SPAREBANK?

SOGN SPAREBANK (SOGN.OL) has a profitability rating of 2 / 10.

Can you provide the PE and PB ratios for SOGN stock?

The Price/Earnings (PE) ratio for SOGN SPAREBANK (SOGN.OL) is 12.26 and the Price/Book (PB) ratio is 0.14.

What is the expected EPS growth for SOGN SPAREBANK (SOGN.OL) stock?

The Earnings per Share (EPS) of SOGN SPAREBANK (SOGN.OL) is expected to decline by -1.23% in the next year.

SOGN SPAREBANK (SOGN.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

SOGN SPAREBANK / SOGN.OL FAQ

Can you provide the ChartMill fundamental rating for SOGN SPAREBANK?

What is the valuation status of SOGN SPAREBANK (SOGN.OL) stock?

Can you provide the profitability details for SOGN SPAREBANK?

Can you provide the PE and PB ratios for SOGN stock?

What is the expected EPS growth for SOGN SPAREBANK (SOGN.OL) stock?