SPAREBANK 1 SOR-NORGE ASA(OSL:SB1NO) stock Fundamental Analysis

Fundamental Rating

SB1NO gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 99 industry peers in the Banks industry. SB1NO has a bad profitability rating. Also its financial health evaluation is rather negative. SB1NO is quite expensive at the moment. It does show a decent growth rate. Finally SB1NO also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

SB1NO had positive earnings in the past year.

SB1NO had a negative operating cash flow in the past year.

SB1NO had positive earnings in each of the past 5 years.

SB1NO had negative operating cash flow in 4 of the past 5 years.

1.2 Ratios

SB1NO has a better Return On Assets (1.33%) than 83.87% of its industry peers.

The Return On Equity of SB1NO (13.99%) is better than 73.12% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.33%
ROE	13.99%
ROIC	N/A

ROA(3y)1.05%

ROA(5y)0.94%

ROE(3y)11.21%

ROE(5y)10.14%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

SB1NO's Profit Margin of 41.55% is amongst the best of the industry. SB1NO outperforms 91.40% of its industry peers.

SB1NO's Profit Margin has been stable in the last couple of years.

SB1NO 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)	41.55%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y1.97%

PM growth 5Y-0.54%

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

SB1NO does not have a ROIC to compare to the WACC, probably because it is not profitable.

SB1NO has more shares outstanding than it did 1 year ago.

Compared to 5 years ago, SB1NO has more shares outstanding

The debt/assets ratio for SB1NO has remained at the same level compared to a year ago.

2.2 Solvency

A Debt/Equity ratio of 5.15 is on the high side and indicates that SB1NO has dependencies on debt financing.

SB1NO has a worse Debt to Equity ratio (5.15) than 86.02% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	5.15
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC4.6%

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

SB1NO shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.06%.

Measured over the past 5 years, SB1NO shows a small growth in Earnings Per Share. The EPS has been growing by 1.37% on average per year.

Looking at the last year, SB1NO shows a quite strong growth in Revenue. The Revenue has grown by 15.81% in the last year.

Measured over the past years, SB1NO shows a quite strong growth in Revenue. The Revenue has been growing by 10.34% on average per year.

EPS 1Y (TTM)6.06%

EPS 3Y2.69%

EPS 5Y1.37%

EPS Q2Q%-30.42%

Revenue 1Y (TTM)15.81%

Revenue growth 3Y14.45%

Revenue growth 5Y10.34%

Sales Q2Q%-3.24%

3.2 Future

SB1NO is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.15% yearly.

Based on estimates for the next years, SB1NO will show a small growth in Revenue. The Revenue will grow by 7.90% on average per year.

EPS Next Y-1.27%

EPS Next 2Y1.15%

EPS Next 3Y6.15%

EPS Next 5YN/A

Revenue Next Year19.87%

Revenue Next 2Y10.47%

Revenue Next 3Y7.9%

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

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

A Price/Earnings ratio of 9.26 indicates a reasonable valuation of SB1NO.

Compared to the rest of the industry, the Price/Earnings ratio of SB1NO is on the same level as its industry peers.

Compared to an average S&P500 Price/Earnings ratio of 29.35, SB1NO is valued rather cheaply.

The Price/Forward Earnings ratio is 9.86, which indicates a very decent valuation of SB1NO.

The rest of the industry has a similar Price/Forward Earnings ratio as SB1NO.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.10, SB1NO is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.26
Fwd PE	9.86

4.2 Price Multiples

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

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)6.76

EPS Next 2Y1.15%

EPS Next 3Y6.15%

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5. Dividend

5.1 Amount

SB1NO has a Yearly Dividend Yield of 5.42%, which is a nice return.

Compared to an average industry Dividend Yield of 5.06, SB1NO has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.33, SB1NO pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.42%

5.2 History

The dividend of SB1NO is nicely growing with an annual growth rate of 6.63%!

Dividend Growth(5Y)6.63%

Div Incr YearsN/A

Div Non Decr YearsN/A

5.3 Sustainability

SB1NO pays out 39.23% of its income as dividend. This is a sustainable payout ratio.

SB1NO's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP39.23%

EPS Next 2Y1.15%

EPS Next 3Y6.15%

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SPAREBANK 1 SOR-NORGE ASA

OSL:SB1NO (3/7/2025, 7:00:00 PM)

158.6

+1.8 (+1.15%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-12 2025-02-12/amc

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

Inst Owners26.03%

Inst Owner ChangeN/A

Ins Owners0.12%

Ins Owner ChangeN/A

Market Cap59.55B

Analysts81.25

Price Target165.75 (4.51%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.42%

Yearly Dividend6.2

Dividend Growth(5Y)6.63%

DP39.23%

Div Incr YearsN/A

Div Non Decr YearsN/A

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)5.37%

Min EPS beat(2)-6.17%

Max EPS beat(2)16.91%

EPS beat(4)3

Avg EPS beat(4)9.67%

Min EPS beat(4)-6.17%

Max EPS beat(4)26.75%

EPS beat(8)4

Avg EPS beat(8)11.75%

EPS beat(12)8

Avg EPS beat(12)10.73%

EPS beat(16)11

Avg EPS beat(16)11.24%

Revenue beat(2)0

Avg Revenue beat(2)-1.77%

Min Revenue beat(2)-3.36%

Max Revenue beat(2)-0.18%

Revenue beat(4)2

Avg Revenue beat(4)12.95%

Min Revenue beat(4)-3.36%

Max Revenue beat(4)45.11%

Revenue beat(8)6

Avg Revenue beat(8)11.46%

Revenue beat(12)10

Avg Revenue beat(12)10.67%

Revenue beat(16)14

Avg Revenue beat(16)10.25%

PT rev (1m)4.5%

PT rev (3m)N/A

EPS NQ rev (1m)0%

EPS NQ rev (3m)N/A

EPS NY rev (1m)-1.38%

EPS NY rev (3m)N/A

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)8.75%

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	9.26
Fwd PE	9.86
P/S	4.9
P/FCF	N/A
P/OCF	N/A
P/B	1.65
P/tB	1.67
EV/EBITDA	N/A

EPS(TTM)17.13

EY10.8%

EPS(NY)16.08

Fwd EY10.14%

FCF(TTM)-7.21

FCFYN/A

OCF(TTM)-6.91

OCFYN/A

SpS32.38

BVpS96.19

TBVpS95.11

PEG (NY)N/A

PEG (5Y)6.76

Profitability

		Industry Rank	Sector Rank
ROA	1.33%
ROE	13.99%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	41.55%
GM	N/A
FCFM	N/A

ROA(3y)1.05%

ROA(5y)0.94%

ROE(3y)11.21%

ROE(5y)10.14%

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 3Y1.97%

PM growth 5Y-0.54%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	5.15
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	0.92%
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-Score5

WACC4.6%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)1.39%

Cap/Sales(5y)1.46%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)6.06%

EPS 3Y2.69%

EPS 5Y1.37%

EPS Q2Q%-30.42%

EPS Next Y-1.27%

EPS Next 2Y1.15%

EPS Next 3Y6.15%

EPS Next 5YN/A

Revenue 1Y (TTM)15.81%

Revenue growth 3Y14.45%

Revenue growth 5Y10.34%

Sales Q2Q%-3.24%

Revenue Next Year19.87%

Revenue Next 2Y10.47%

Revenue Next 3Y7.9%

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-86.12%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-95.92%

OCF growth 3YN/A

OCF growth 5YN/A

SPAREBANK 1 SOR-NORGE ASA (SB1NO.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