SPAREBANK 1 SMN(OSL:MING) stock Fundamental Analysis

Fundamental Rating

Overall MING gets a fundamental rating of 3 out of 10. We evaluated MING against 99 industry peers in the Banks industry. There are concerns on the financial health of MING while its profitability can be described as average. MING is not valued too expensively and it also shows a decent growth rate. MING also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

MING had positive earnings in the past year.

In the past 5 years MING has always been profitable.

The reported operating cash flow has been mixed in the past 5 years: MING reported negative operating cash flow in multiple years.

1.2 Ratios

The Return On Assets of MING (1.45%) is better than 89.25% of its industry peers.

MING has a Return On Equity of 12.07%. This is in the better half of the industry: MING outperforms 60.22% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.45%
ROE	12.07%
ROIC	N/A

ROA(3y)0.97%

ROA(5y)0.88%

ROE(3y)8.36%

ROE(5y)7.68%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 31.03%, MING belongs to the top of the industry, outperforming 81.72% of the companies in the same industry.

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

MING 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)	31.03%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y7.29%

PM growth 5Y4.66%

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

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

The number of shares outstanding for MING remains at a similar level compared to 1 year ago.

MING has more shares outstanding than it did 5 years ago.

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

2.2 Solvency

MING has a Debt/Equity ratio of 1.77. This is a high value indicating a heavy dependency on external financing.

MING has a Debt to Equity ratio of 1.77. This is comparable to the rest of the industry: MING outperforms 54.84% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.77
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC3.11%

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

MING shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 24.08%, which is quite impressive.

Measured over the past years, MING shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.63% on average per year.

MING shows a strong growth in Revenue. In the last year, the Revenue has grown by 23.37%.

Measured over the past years, MING shows a small growth in Revenue. The Revenue has been growing by 7.97% on average per year.

EPS 1Y (TTM)24.08%

EPS 3Y14.73%

EPS 5Y10.63%

EPS Q2Q%-19.41%

Revenue 1Y (TTM)23.37%

Revenue growth 3Y10.85%

Revenue growth 5Y7.97%

Sales Q2Q%-3.95%

3.2 Future

Based on estimates for the next years, MING will show a decrease in Earnings Per Share. The EPS will decrease by -3.17% on average per year.

Based on estimates for the next years, MING will show a small growth in Revenue. The Revenue will grow by 1.24% on average per year.

EPS Next Y-4.92%

EPS Next 2Y-3.17%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year0.87%

Revenue Next 2Y0.63%

Revenue Next 3Y1.24%

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.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 7.32, which indicates a rather cheap valuation of MING.

Based on the Price/Earnings ratio, MING is valued a bit cheaper than the industry average as 78.49% of the companies are valued more expensively.

MING is valuated cheaply when we compare the Price/Earnings ratio to 29.35, which is the current average of the S&P500 Index.

With a Price/Forward Earnings ratio of 10.00, the valuation of MING can be described as very reasonable.

The rest of the industry has a similar Price/Forward Earnings ratio as MING.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.10, MING is valued rather cheaply.

		Industry Rank	Sector Rank
PE	7.32
Fwd PE	10

4.2 Price Multiples

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

4.3 Compensation for Growth

A cheap valuation may be justified as MING's earnings are expected to decrease with -3.17% in the coming years.

PEG (NY)N/A

PEG (5Y)0.69

EPS Next 2Y-3.17%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.97%, MING is a good candidate for dividend investing.

MING's Dividend Yield is rather good when compared to the industry average which is at 5.06. MING pays more dividend than 83.87% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.33, MING pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	6.97%

5.2 History

On average, the dividend of MING grows each year by 6.94%, which is quite nice.

Dividend Growth(5Y)6.94%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

DP0%

EPS Next 2Y-3.17%

EPS Next 3YN/A

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SPAREBANK 1 SMN

OSL:MING (3/7/2025, 7:00:00 PM)

181.74

+2.38 (+1.33%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-05 2025-02-05/amc

Earnings (Next)05-08 2025-05-08

Inst Owners34.78%

Inst Owner ChangeN/A

Ins Owners0.3%

Ins Owner ChangeN/A

Market Cap26.21B

Analysts76.92

Price Target182.41 (0.37%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.97%

Yearly Dividend6.14

Dividend Growth(5Y)6.94%

DP0%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

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)2

Avg Revenue beat(2)5.95%

Min Revenue beat(2)5.63%

Max Revenue beat(2)6.27%

Revenue beat(4)4

Avg Revenue beat(4)5.1%

Min Revenue beat(4)1.74%

Max Revenue beat(4)6.78%

Revenue beat(8)5

Avg Revenue beat(8)1.79%

Revenue beat(12)7

Avg Revenue beat(12)7.14%

Revenue beat(16)10

Avg Revenue beat(16)11.02%

PT rev (1m)4.48%

PT rev (3m)5.2%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)1.45%

EPS NY rev (3m)4.49%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)1.52%

Revenue NY rev (3m)2.31%

Valuation

		Industry Rank	Sector Rank
PE	7.32
Fwd PE	10
P/S	2.27
P/FCF	N/A
P/OCF	N/A
P/B	0.88
P/tB	0.92
EV/EBITDA	N/A

EPS(TTM)24.84

EY13.67%

EPS(NY)18.17

Fwd EY10%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS80.13

BVpS205.94

TBVpS197.41

PEG (NY)N/A

PEG (5Y)0.69

Profitability

		Industry Rank	Sector Rank
ROA	1.45%
ROE	12.07%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	31.03%
GM	N/A
FCFM	N/A

ROA(3y)0.97%

ROA(5y)0.88%

ROE(3y)8.36%

ROE(5y)7.68%

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 3Y7.29%

PM growth 5Y4.66%

GM growth 3YN/A

GM growth 5YN/A

F-ScoreN/A

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	1.77
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
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-ScoreN/A

WACC3.11%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)24.08%

EPS 3Y14.73%

EPS 5Y10.63%

EPS Q2Q%-19.41%

EPS Next Y-4.92%

EPS Next 2Y-3.17%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)23.37%

Revenue growth 3Y10.85%

Revenue growth 5Y7.97%

Sales Q2Q%-3.95%

Revenue Next Year0.87%

Revenue Next 2Y0.63%

Revenue Next 3Y1.24%

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 1YN/A

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1YN/A

OCF growth 3YN/A

OCF growth 5YN/A

SPAREBANK 1 SMN (MING.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

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