SOGN Fundamental Analysis - SOGN SPAREBANK

Fundamental Rating

SOGN gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 89 industry peers in the Banks industry. SOGN may be in some trouble as it scores bad on both profitability and health. SOGN is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year SOGN was profitable.

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

In the past 5 years SOGN has always been profitable.

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

1.2 Ratios

The Return On Assets of SOGN (0.16%) is worse than 89.89% of its industry peers.

Looking at the Return On Equity, with a value of 1.09%, SOGN is doing worse than 89.89% of the companies in the same industry.

		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

The Profit Margin of SOGN (5.05%) is worse than 89.89% of its industry peers.

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

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)	5.05%
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.

SOGN has about the same amout of shares outstanding than it did 1 year ago.

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

The Debt to FCF ratio of SOGN is 3.15, which is a good value as it means it would take SOGN, 3.15 years of fcf income to pay off all of its debts.

SOGN has a Debt to FCF ratio of 3.15. This is amongst the best in the industry. SOGN outperforms 92.13% of its industry peers.

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

The Debt to Equity ratio of SOGN (0.58) is better than 83.15% of its industry peers.

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

ROIC/WACCN/A

WACC5.57%

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 strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.53%, which is quite good.

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.

SOGN shows a small growth in Revenue. In the last year, the Revenue has grown by 7.55%.

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

EPS 1Y (TTM)11.53%

EPS 3Y21.3%

EPS 5Y30.4%

EPS Q2Q%-10.77%

Revenue 1Y (TTM)7.55%

Revenue growth 3Y14.81%

Revenue growth 5Y9.33%

Sales Q2Q%2.39%

3.2 Future

SOGN is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -2.32% yearly.

Based on estimates for the next years, SOGN will show a small growth in Revenue. The Revenue will grow by 3.27% on average per year.

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

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 11.61, the valuation of SOGN can be described as very reasonable.

Based on the Price/Earnings ratio, SOGN is valued a bit more expensive than the industry average as 73.03% of the companies are valued more cheaply.

Compared to an average S&P500 Price/Earnings ratio of 27.07, SOGN is valued rather cheaply.

The Price/Forward Earnings ratio is 12.25, which indicates a correct valuation of SOGN.

75.28% of the companies in the same industry are cheaper than SOGN, based on the Price/Forward Earnings ratio.

SOGN is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.59, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	11.61
Fwd PE	12.25

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of SOGN indicates a rather cheap valuation: SOGN is cheaper than 100.00% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	0.72
EV/EBITDA	N/A

4.3 Compensation for Growth

A cheap valuation may be justified as SOGN's earnings are expected to decrease with -2.32% in the coming years.

PEG (NY)N/A

PEG (5Y)0.38

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 7.60%, SOGN is a good candidate for dividend investing.

SOGN's Dividend Yield is rather good when compared to the industry average which is at 5.09. SOGN pays more dividend than 88.76% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.46, SOGN pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	7.6%

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

SOGN pays out 95.19% 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.

DP95.19%

EPS Next 2Y-2.06%

EPS Next 3Y-2.32%

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SOGN SPAREBANK

OSL:SOGN (9/9/2025, 2:42:27 PM)

256.1

-13.9 (-5.15%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)08-14 2025-08-14/dmh

Earnings (Next)11-14 2025-11-14

Inst Owners7.7%

Inst Owner ChangeN/A

Ins Owners11.58%

Ins Owner ChangeN/A

Market Cap161.34M

Analysts37.78

Price Target187.68 (-26.72%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.6%

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)N/A

EPS NY rev (1m)29.93%

EPS NY rev (3m)29.93%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.53%

Valuation

		Industry Rank	Sector Rank
PE	11.61
Fwd PE	12.25
P/S	0.61
P/FCF	0.72
P/OCF	0.7
P/B	0.13
P/tB	0.13
EV/EBITDA	N/A

EPS(TTM)22.06

EY8.61%

EPS(NY)20.9

Fwd EY8.16%

FCF(TTM)353.85

FCFY138.17%

OCF(TTM)365.51

OCFY142.72%

SpS418.14

BVpS1935.34

TBVpS1935.34

PEG (NY)N/A

PEG (5Y)0.38

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

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-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

WACC5.57%

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)11.53%

EPS 3Y21.3%

EPS 5Y30.4%

EPS Q2Q%-10.77%

EPS Next Y-1.23%

EPS Next 2Y-2.06%

EPS Next 3Y-2.32%

EPS Next 5YN/A

Revenue 1Y (TTM)7.55%

Revenue growth 3Y14.81%

Revenue growth 5Y9.33%

Sales Q2Q%2.39%

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) 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

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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