SOGN Fundamental Analysis - SOGN SPAREBANK

Fundamental Rating

Taking everything into account, SOGN scores 4 out of 10 in our fundamental rating. SOGN was compared to 96 industry peers in the Banks industry. SOGN has a bad profitability rating. Also its financial health evaluation is rather negative. SOGN has a correct valuation and a medium growth rate. Finally SOGN also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year SOGN was profitable.

SOGN had a positive operating cash flow in the past year.

Each year in the past 5 years SOGN has been profitable.

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

1.2 Ratios

SOGN has a Return On Assets of 0.17%. This is amonst the worse of the industry: SOGN underperforms 88.54% of its industry peers.

SOGN has a Return On Equity of 1.14%. This is amonst the worse of the industry: SOGN underperforms 88.54% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.17%
ROE	1.14%
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 has a worse Profit Margin (5.34%) than 88.54% 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)	5.34%
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.

Compared to 5 years ago, SOGN has more shares outstanding

Compared to 1 year ago, SOGN has a worse debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of SOGN is 5.22, which is a neutral value as it means it would take SOGN, 5.22 years of fcf income to pay off all of its debts.

SOGN has a better Debt to FCF ratio (5.22) than 91.67% 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 85.42% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.58
Debt/FCF	5.22
Altman-Z	N/A

ROIC/WACCN/A

WACC5.62%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

SOGN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 25.16%, which is quite impressive.

SOGN shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 30.40% yearly.

Looking at the last year, SOGN shows a small growth in Revenue. The Revenue has grown by 6.43% in the last year.

The Revenue has been growing by 9.33% on average over the past years. This is quite good.

EPS 1Y (TTM)25.16%

EPS 3Y21.3%

EPS 5Y30.4%

EPS Q2Q%26%

Revenue 1Y (TTM)6.43%

Revenue growth 3Y14.81%

Revenue growth 5Y9.33%

Sales Q2Q%10.66%

3.2 Future

The Earnings Per Share is expected to decrease by -6.18% on average over the next years.

The Revenue is expected to grow by 3.38% on average over the next years.

EPS Next Y-23.98%

EPS Next 2Y-8.8%

EPS Next 3Y-6.18%

EPS Next 5YN/A

Revenue Next Year3.68%

Revenue Next 2Y3.41%

Revenue Next 3Y3.38%

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

A Price/Earnings ratio of 12.54 indicates a correct valuation of SOGN.

Based on the Price/Earnings ratio, SOGN is valued a bit more expensive than 79.17% of the companies in the same industry.

SOGN is valuated cheaply when we compare the Price/Earnings ratio to 26.34, which is the current average of the S&P500 Index.

With a Price/Forward Earnings ratio of 15.79, SOGN is valued correctly.

SOGN's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. SOGN is more expensive than 77.08% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 22.19. SOGN is valued slightly cheaper when compared to this.

		Industry Rank	Sector Rank
PE	12.54
Fwd PE	15.79

4.2 Price Multiples

SOGN's Price/Free Cash Flow ratio is rather cheap when compared to the industry. SOGN is cheaper than 93.75% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	1.33
EV/EBITDA	N/A

4.3 Compensation for Growth

A cheap valuation may be justified as SOGN's earnings are expected to decrease with -6.18% in the coming years.

PEG (NY)N/A

PEG (5Y)0.41

EPS Next 2Y-8.8%

EPS Next 3Y-6.18%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.74%, SOGN is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 5.14, SOGN pays a better dividend. On top of this SOGN pays more dividend than 80.21% of the companies listed in the same industry.

SOGN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.

		Industry Rank	Sector Rank
Dividend Yield	6.74%

5.2 History

On average, the dividend of SOGN grows each year by 47.25%, which is quite nice.

Dividend Growth(5Y)47.25%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

SOGN pays out 68.84% of its income as dividend. This is not a sustainable payout ratio.

SOGN's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.

DP68.84%

EPS Next 2Y-8.8%

EPS Next 3Y-6.18%

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SOGN SPAREBANK

OSL:SOGN (6/19/2025, 11:55:23 AM)

286.25

0 (0%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)05-14 2025-05-14/dmh

Earnings (Next)08-14 2025-08-14

Inst Owners7.7%

Inst Owner ChangeN/A

Ins Owners11.58%

Ins Owner ChangeN/A

Market Cap180.34M

Analysts37.78

Price Target187.68 (-34.43%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.74%

Yearly Dividend15

Dividend Growth(5Y)47.25%

DP68.84%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)20.13%

Min EPS beat(2)-3.79%

Max EPS beat(2)44.06%

EPS beat(4)3

Avg EPS beat(4)41.03%

Min EPS beat(4)-3.79%

Max EPS beat(4)83.36%

EPS beat(8)5

Avg EPS beat(8)21.81%

EPS beat(12)9

Avg EPS beat(12)21.9%

EPS beat(16)11

Avg EPS beat(16)17.5%

Revenue beat(2)2

Avg Revenue beat(2)10.25%

Min Revenue beat(2)8.9%

Max Revenue beat(2)11.6%

Revenue beat(4)4

Avg Revenue beat(4)14.09%

Min Revenue beat(4)8.9%

Max Revenue beat(4)20.18%

Revenue beat(8)7

Avg Revenue beat(8)11.69%

Revenue beat(12)11

Avg Revenue beat(12)13.72%

Revenue beat(16)14

Avg Revenue beat(16)11.95%

PT rev (1m)6.98%

PT rev (3m)6.98%

EPS NQ rev (1m)7.58%

EPS NQ rev (3m)7.58%

EPS NY rev (1m)0%

EPS NY rev (3m)-19.08%

Revenue NQ rev (1m)-0.18%

Revenue NQ rev (3m)-0.18%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.96%

Valuation

		Industry Rank	Sector Rank
PE	12.54
Fwd PE	15.79
P/S	0.7
P/FCF	1.33
P/OCF	1.28
P/B	0.15
P/tB	0.15
EV/EBITDA	N/A

EPS(TTM)22.83

EY7.98%

EPS(NY)18.13

Fwd EY6.33%

FCF(TTM)214.48

FCFY74.93%

OCF(TTM)223.24

OCFY77.99%

SpS410.02

BVpS1916.03

TBVpS1916.03

PEG (NY)N/A

PEG (5Y)0.41

Profitability

		Industry Rank	Sector Rank
ROA	0.17%
ROE	1.14%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	5.34%
GM	N/A
FCFM	52.31%

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

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 3Y5.94%

PM growth 5Y15.43%

GM growth 3YN/A

GM growth 5YN/A

F-Score7

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.58
Debt/FCF	5.22
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	2.14%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	980.47%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC5.62%

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)25.16%

EPS 3Y21.3%

EPS 5Y30.4%

EPS Q2Q%26%

EPS Next Y-23.98%

EPS Next 2Y-8.8%

EPS Next 3Y-6.18%

EPS Next 5YN/A

Revenue 1Y (TTM)6.43%

Revenue growth 3Y14.81%

Revenue growth 5Y9.33%

Sales Q2Q%10.66%

Revenue Next Year3.68%

Revenue Next 2Y3.41%

Revenue Next 3Y3.38%

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-57.09%

FCF growth 3Y204.33%

FCF growth 5Y14.64%

OCF growth 1Y-56.83%

OCF growth 3Y113.38%

OCF growth 5Y15.24%

SOGN SPAREBANK (SOGN.OL) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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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

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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