SKUE Fundamental Analysis - SKUE SPAREBANK

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to SKUE. SKUE was compared to 109 industry peers in the Banks industry. SKUE has a bad profitability rating. Also its financial health evaluation is rather negative. SKUE has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

In the past year SKUE was profitable.

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

In the past 5 years SKUE has always been profitable.

In the past 5 years SKUE reported 4 times negative operating cash flow.

1.2 Ratios

With a Return On Assets value of 0.37%, SKUE is not doing good in the industry: 83.49% of the companies in the same industry are doing better.

Looking at the Return On Equity, with a value of 2.77%, SKUE is doing worse than 85.32% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.37%
ROE	2.77%
ROIC	N/A

ROA(3y)0.32%

ROA(5y)0.28%

ROE(3y)2.46%

ROE(5y)2.29%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

SKUE has a Profit Margin of 12.75%. This is amonst the worse of the industry: SKUE underperforms 83.49% of its industry peers.

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

SKUE 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)	12.75%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y6.29%

PM growth 5Y-0.17%

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

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

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

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

SKUE has a better debt/assets ratio than last year.

2.2 Solvency

SKUE has a debt to FCF ratio of 5.04. This is a neutral value as SKUE would need 5.04 years to pay back of all of its debts.

SKUE has a Debt to FCF ratio of 5.04. This is amongst the best in the industry. SKUE outperforms 87.16% of its industry peers.

A Debt/Equity ratio of 1.58 is on the high side and indicates that SKUE has dependencies on debt financing.

SKUE has a Debt to Equity ratio (1.58) which is in line with its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.58
Debt/FCF	5.04
Altman-Z	N/A

ROIC/WACCN/A

WACC8.5%

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

SKUE shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -24.84%.

The Earnings Per Share has been growing by 12.08% on average over the past years. This is quite good.

Looking at the last year, SKUE shows a quite strong growth in Revenue. The Revenue has grown by 15.73% in the last year.

Measured over the past years, SKUE shows a quite strong growth in Revenue. The Revenue has been growing by 17.02% on average per year.

EPS 1Y (TTM)-24.84%

EPS 3Y19.52%

EPS 5Y12.08%

EPS Q2Q%-65.89%

Revenue 1Y (TTM)15.73%

Revenue growth 3Y16.36%

Revenue growth 5Y17.02%

Sales Q2Q%9.62%

3.2 Future

SKUE is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -7.86% yearly.

SKUE is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.60% yearly.

EPS Next Y-23.34%

EPS Next 2Y-12.2%

EPS Next 3Y-7.86%

EPS Next 5YN/A

Revenue Next Year23.73%

Revenue Next 2Y15.52%

Revenue Next 3Y12.6%

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.

Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.84, which indicates a correct valuation of SKUE.

Based on the Price/Earnings ratio, SKUE is valued a bit more expensive than 74.31% of the companies in the same industry.

SKUE is valuated cheaply when we compare the Price/Earnings ratio to 26.38, which is the current average of the S&P500 Index.

The Price/Forward Earnings ratio is 12.39, which indicates a correct valuation of SKUE.

Based on the Price/Forward Earnings ratio, SKUE is valued a bit more expensive than the industry average as 73.39% of the companies are valued more cheaply.

The average S&P500 Price/Forward Earnings ratio is at 23.83. SKUE is valued slightly cheaper when compared to this.

		Industry Rank	Sector Rank
PE	12.84
Fwd PE	12.39

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, SKUE is valued cheaper than 95.41% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	1.98
EV/EBITDA	N/A

4.3 Compensation for Growth

A cheap valuation may be justified as SKUE's earnings are expected to decrease with -7.86% in the coming years.

PEG (NY)N/A

PEG (5Y)1.06

EPS Next 2Y-12.2%

EPS Next 3Y-7.86%

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5. Dividend

5.1 Amount

SKUE has a Yearly Dividend Yield of 9.77%, which is a nice return.

SKUE's Dividend Yield is rather good when compared to the industry average which is at 4.21. SKUE pays more dividend than 98.17% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 1.87, SKUE pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	9.77%

5.2 History

On average, the dividend of SKUE grows each year by 11.29%, which is quite nice.

Dividend Growth(5Y)11.29%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

85.61% of the earnings are spent on dividend by SKUE. This is not a sustainable payout ratio.

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

DP85.61%

EPS Next 2Y-12.2%

EPS Next 3Y-7.86%

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SKUE SPAREBANK

OSL:SKUE (12/19/2025, 7:00:00 PM)

338

+5.15 (+1.55%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)11-13 2025-11-13/dmh

Earnings (Next)02-05 2026-02-05

Inst Owners15.95%

Inst Owner ChangeN/A

Ins Owners15.19%

Ins Owner ChangeN/A

Market Cap1.95B

Revenue(TTM)576.93M

Net Income(TTM)87.13M

Analysts42.22

Price Target338.64 (0.19%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	9.77%

Yearly Dividend16.22

Dividend Growth(5Y)11.29%

DP85.61%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)0.98%

Min EPS beat(2)-6.2%

Max EPS beat(2)8.16%

EPS beat(4)2

Avg EPS beat(4)18.81%

Min EPS beat(4)-7.06%

Max EPS beat(4)80.33%

EPS beat(8)3

Avg EPS beat(8)5.32%

EPS beat(12)3

Avg EPS beat(12)0.21%

EPS beat(16)4

Avg EPS beat(16)1.26%

Revenue beat(2)0

Avg Revenue beat(2)-5.17%

Min Revenue beat(2)-7.45%

Max Revenue beat(2)-2.89%

Revenue beat(4)1

Avg Revenue beat(4)-1.92%

Min Revenue beat(4)-7.45%

Max Revenue beat(4)6.15%

Revenue beat(8)2

Avg Revenue beat(8)-2.56%

Revenue beat(12)3

Avg Revenue beat(12)-3.55%

Revenue beat(16)6

Avg Revenue beat(16)-0.26%

PT rev (1m)0%

PT rev (3m)0%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	12.84
Fwd PE	12.39
P/S	2.86
P/FCF	1.98
P/OCF	1.96
P/B	0.62
P/tB	0.62
EV/EBITDA	N/A

EPS(TTM)26.33

EY7.79%

EPS(NY)27.27

Fwd EY8.07%

FCF(TTM)170.31

FCFY50.39%

OCF(TTM)172.46

OCFY51.02%

SpS118.25

BVpS543.45

TBVpS543.45

PEG (NY)N/A

PEG (5Y)1.06

Graham Number567.41

Profitability

		Industry Rank	Sector Rank
ROA	0.37%
ROE	2.77%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	12.75%
GM	N/A
FCFM	144.02%

ROA(3y)0.32%

ROA(5y)0.28%

ROE(3y)2.46%

ROE(5y)2.29%

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 3Y6.29%

PM growth 5Y-0.17%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	1.58
Debt/FCF	5.04
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	1.82%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	1129.76%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC8.5%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)0.33%

Cap/Sales(5y)0.51%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-24.84%

EPS 3Y19.52%

EPS 5Y12.08%

EPS Q2Q%-65.89%

EPS Next Y-23.34%

EPS Next 2Y-12.2%

EPS Next 3Y-7.86%

EPS Next 5YN/A

Revenue 1Y (TTM)15.73%

Revenue growth 3Y16.36%

Revenue growth 5Y17.02%

Sales Q2Q%9.62%

Revenue Next Year23.73%

Revenue Next 2Y15.52%

Revenue Next 3Y12.6%

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 1Y6017.84%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y5110.79%

OCF growth 3YN/A

OCF growth 5YN/A

SKUE SPAREBANK / SKUE.OL FAQ

Can you provide the ChartMill fundamental rating for SKUE SPAREBANK?

ChartMill assigns a fundamental rating of 4 / 10 to SKUE.OL.

What is the valuation status for SKUE stock?

ChartMill assigns a valuation rating of 4 / 10 to SKUE SPAREBANK (SKUE.OL). This can be considered as Fairly Valued.

Can you provide the profitability details for SKUE SPAREBANK?

SKUE SPAREBANK (SKUE.OL) has a profitability rating of 2 / 10.

What is the earnings growth outlook for SKUE SPAREBANK?

The Earnings per Share (EPS) of SKUE SPAREBANK (SKUE.OL) is expected to decline by -23.34% in the next year.

Can you provide the dividend sustainability for SKUE stock?

The dividend rating of SKUE SPAREBANK (SKUE.OL) is 6 / 10 and the dividend payout ratio is 85.61%.

SKUE SPAREBANK (SKUE.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

SKUE SPAREBANK / SKUE.OL FAQ

Can you provide the ChartMill fundamental rating for SKUE SPAREBANK?

What is the valuation status for SKUE stock?

Can you provide the profitability details for SKUE SPAREBANK?

What is the earnings growth outlook for SKUE SPAREBANK?

Can you provide the dividend sustainability for SKUE stock?