SOGN SPAREBANK (SOGN.OL) Fundamental Analysis & Valuation
OSL:SOGN • NO0006000603
308 NOK
-0.85 (-0.28%)
Last: Mar 6, 2026, 07:00 PM
This SOGN.OL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
We assign a fundamental rating of 3 out of 10 to SOGN. SOGN was compared to 106 industry peers in the Banks industry. While SOGN seems to be doing ok healthwise, there are quite some concerns on its profitability. SOGN has a expensive valuation and it also scores bad on growth.
1. SOGN.OL Profitability Analysis
1.1 Basic Checks
- In the past year SOGN was profitable.
- SOGN had a positive operating cash flow in the past year.
- In the past 5 years SOGN has always been profitable.
- SOGN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- SOGN's Return On Assets of 0.16% is on the low side compared to the rest of the industry. SOGN is outperformed by 93.40% of its industry peers.
- With a Return On Equity value of 1.07%, SOGN is not doing good in the industry: 94.34% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.16% | ||
| ROE | 1.07% | ||
| 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
- SOGN's Profit Margin of 5.15% is on the low side compared to the rest of the industry. SOGN is outperformed by 94.34% of its industry peers.
- SOGN's Profit Margin has improved in the last couple of years.
- The Operating Margin and Gross Margin are not available for SOGN so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 5.15% | ||
| 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
2. SOGN.OL Health Analysis
2.1 Basic Checks
- SOGN does not have a ROIC to compare to the WACC, probably because it is not profitable.
- SOGN has about the same amout of shares outstanding than it did 1 year ago.
- Compared to 5 years ago, SOGN has more shares outstanding
- Compared to 1 year ago, SOGN has an improved debt to assets ratio.
2.2 Solvency
- SOGN has a debt to FCF ratio of 2.36. This is a good value and a sign of high solvency as SOGN would need 2.36 years to pay back of all of its debts.
- SOGN's Debt to FCF ratio of 2.36 is amongst the best of the industry. SOGN outperforms 97.17% of its industry peers.
- SOGN has a Debt/Equity ratio of 0.40. This is a healthy value indicating a solid balance between debt and equity.
- Looking at the Debt to Equity ratio, with a value of 0.40, SOGN belongs to the top of the industry, outperforming 82.08% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.4 | ||
| Debt/FCF | 2.36 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.94%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. SOGN.OL Growth Analysis
3.1 Past
- SOGN shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.76%.
- The Earnings Per Share has been growing by 16.69% on average over the past years. This is quite good.
EPS 1Y (TTM)3.76%
EPS 3Y16.69%
EPS 5YN/A
EPS Q2Q%2.33%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%0.39%
3.2 Future
- The Earnings Per Share is expected to decrease by -6.50% 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 3.50% yearly.
EPS Next Y-9.95%
EPS Next 2Y-6.5%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.24%
Revenue Next 2Y3.5%
Revenue Next 3YN/A
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.
4. SOGN.OL Valuation Analysis
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 13.62, SOGN is valued correctly.
- Based on the Price/Earnings ratio, SOGN is valued more expensive than 83.96% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 26.29. SOGN is valued slightly cheaper when compared to this.
- SOGN is valuated correctly with a Price/Forward Earnings ratio of 15.13.
- Based on the Price/Forward Earnings ratio, SOGN is valued more expensive than 80.19% of the companies in the same industry.
- SOGN is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.62 | ||
| Fwd PE | 15.13 |
4.2 Price Multiples
- SOGN's Price/Free Cash Flow ratio is rather cheap when compared to the industry. SOGN is cheaper than 97.17% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.92 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- A cheap valuation may be justified as SOGN's earnings are expected to decrease with -6.50% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-6.5%
EPS Next 3YN/A
5. SOGN.OL Dividend Analysis
5.1 Amount
- With a Yearly Dividend Yield of 7.12%, SOGN is a good candidate for dividend investing.
- SOGN's Dividend Yield is rather good when compared to the industry average which is at 4.55. SOGN pays more dividend than 89.62% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.82, SOGN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.12% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- SOGN pays out 93.29% of its income as dividend. This is not a sustainable payout ratio.
DP93.29%
EPS Next 2Y-6.5%
EPS Next 3YN/A
SOGN.OL Fundamentals: All Metrics, Ratios and Statistics
OSL:SOGN (3/6/2026, 7:00:00 PM)
308
-0.85 (-0.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-12 2026-02-12/dmh
Earnings (Next)05-12 2026-05-12
Inst Owners7.94%
Inst Owner ChangeN/A
Ins Owners13.8%
Ins Owner ChangeN/A
Market Cap194.04M
Revenue(TTM)N/A
Net Income(TTM)13.56M
Analysts37.78
Price Target189.72 (-38.4%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.12% |
Yearly Dividend20
Dividend Growth(5Y)N/A
DP93.29%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)7.08%
Min EPS beat(2)-2.42%
Max EPS beat(2)16.58%
EPS beat(4)2
Avg EPS beat(4)13.61%
Min EPS beat(4)-3.79%
Max EPS beat(4)44.06%
EPS beat(8)5
Avg EPS beat(8)24.2%
EPS beat(12)8
Avg EPS beat(12)21.79%
EPS beat(16)11
Avg EPS beat(16)15.8%
Revenue beat(2)2
Avg Revenue beat(2)14.4%
Min Revenue beat(2)9.93%
Max Revenue beat(2)18.87%
Revenue beat(4)4
Avg Revenue beat(4)12.33%
Min Revenue beat(4)8.9%
Max Revenue beat(4)18.87%
Revenue beat(8)7
Avg Revenue beat(8)10.4%
Revenue beat(12)11
Avg Revenue beat(12)11.98%
Revenue beat(16)14
Avg Revenue beat(16)12.08%
PT rev (1m)0%
PT rev (3m)1.09%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.01%
EPS NY rev (1m)0%
EPS NY rev (3m)5.31%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.76%
Revenue NY rev (1m)-2.23%
Revenue NY rev (3m)-2.23%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.62 | ||
| Fwd PE | 15.13 | ||
| P/S | 0.74 | ||
| P/FCF | 0.92 | ||
| P/OCF | 0.86 | ||
| P/B | 0.15 | ||
| P/tB | 0.15 | ||
| EV/EBITDA | N/A |
EPS(TTM)22.61
EY7.34%
EPS(NY)20.36
Fwd EY6.61%
FCF(TTM)336.51
FCFY109.26%
OCF(TTM)358.81
OCFY116.5%
SpS417.75
BVpS2006.72
TBVpS2006.72
PEG (NY)N/A
PEG (5Y)N/A
Graham Number1010.38
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.16% | ||
| ROE | 1.07% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 5.15% | ||
| GM | N/A | ||
| FCFM | 80.55% |
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 | 0.4 | ||
| Debt/FCF | 2.36 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 5.34% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 1563.64% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC5.94%
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)3.76%
EPS 3Y16.69%
EPS 5YN/A
EPS Q2Q%2.33%
EPS Next Y-9.95%
EPS Next 2Y-6.5%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%0.39%
Revenue Next Year3.24%
Revenue Next 2Y3.5%
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 1Y299.96%
FCF growth 3Y204.33%
FCF growth 5Y14.64%
OCF growth 1Y325.23%
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 for SOGN stock?
ChartMill assigns a valuation rating of 3 / 10 to SOGN SPAREBANK (SOGN.OL). This can be considered as Overvalued.
Can you provide the profitability details for SOGN SPAREBANK?
SOGN SPAREBANK (SOGN.OL) has a profitability rating of 2 / 10.
What is the valuation of SOGN SPAREBANK based on its PE and PB ratios?
The Price/Earnings (PE) ratio for SOGN SPAREBANK (SOGN.OL) is 13.62 and the Price/Book (PB) ratio is 0.15.
Is the dividend of SOGN SPAREBANK sustainable?
The dividend rating of SOGN SPAREBANK (SOGN.OL) is 6 / 10 and the dividend payout ratio is 93.29%.