SPAREBANK 1 NORDMOERE(OSL:SNOR) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, SNOR scores 4 out of 10 in our fundamental rating. SNOR was compared to 99 industry peers in the Banks industry. The financial health of SNOR is average, but there are quite some concerns on its profitability. SNOR has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

SNOR had positive earnings in the past year.

In the past year SNOR has reported a negative cash flow from operations.

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

In multiple years SNOR reported negative operating cash flow during the last 5 years.

1.2 Ratios

The Return On Assets of SNOR (0.71%) is comparable to the rest of the industry.

SNOR has a Return On Equity of 4.88%. This is in the lower half of the industry: SNOR underperforms 69.89% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.71%
ROE	4.88%
ROIC	N/A

ROA(3y)0.49%

ROA(5y)0.36%

ROE(3y)3.51%

ROE(5y)2.63%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

SNOR has a Profit Margin of 15.18%. This is in the lower half of the industry: SNOR underperforms 68.82% of its industry peers.

SNOR's Profit Margin has improved in the last couple of years.

The Operating Margin and Gross Margin are not available for SNOR so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	15.18%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y20.95%

PM growth 5Y18.03%

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

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

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

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

There is no outstanding debt for SNOR. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

2.2 Solvency

There is no outstanding debt for SNOR. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC8.53%

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

The Earnings Per Share has grown by an impressive 81.43% over the past year.

Measured over the past 5 years, SNOR shows a small growth in Earnings Per Share. The EPS has been growing by 2.33% on average per year.

Looking at the last year, SNOR shows a very strong growth in Revenue. The Revenue has grown by 47.03%.

SNOR shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.06% yearly.

EPS 1Y (TTM)81.43%

EPS 3Y44.33%

EPS 5Y2.33%

EPS Q2Q%26.56%

Revenue 1Y (TTM)47.03%

Revenue growth 3Y19.11%

Revenue growth 5Y15.06%

Sales Q2Q%15.13%

3.2 Future

SNOR is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -4.96% yearly.

Based on estimates for the next years, SNOR will show a small growth in Revenue. The Revenue will grow by 2.60% on average per year.

EPS Next Y-3.05%

EPS Next 2Y-4.96%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year2.92%

Revenue Next 2Y2.6%

Revenue Next 3YN/A

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.

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

Based on the Price/Earnings ratio of 7.37, the valuation of SNOR can be described as very cheap.

Based on the Price/Earnings ratio, SNOR is valued a bit cheaper than the industry average as 77.42% of the companies are valued more expensively.

SNOR 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 8.77, the valuation of SNOR can be described as very reasonable.

Compared to the rest of the industry, the Price/Forward Earnings ratio of SNOR indicates a somewhat cheap valuation: SNOR is cheaper than 69.89% of the companies listed in the same industry.

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

		Industry Rank	Sector Rank
PE	7.37
Fwd PE	8.77

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 SNOR's earnings are expected to decrease with -4.96% in the coming years.

PEG (NY)N/A

PEG (5Y)3.16

EPS Next 2Y-4.96%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.21%, SNOR is a good candidate for dividend investing.

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

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

		Industry Rank	Sector Rank
Dividend Yield	5.21%

5.2 History

The dividend of SNOR has a limited annual growth rate of 0.59%.

Dividend Growth(5Y)0.59%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

SNOR pays out 31.02% of its income as dividend. This is a sustainable payout ratio.

DP31.02%

EPS Next 2Y-4.96%

EPS Next 3YN/A

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SPAREBANK 1 NORDMOERE

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

164.98

+1.98 (+1.21%)

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 Owners5.97%

Inst Owner ChangeN/A

Ins Owners7.6%

Ins Owner ChangeN/A

Market Cap1.49B

Analysts82.86

Price Target169.32 (2.63%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.21%

Yearly Dividend6.95

Dividend Growth(5Y)0.59%

DP31.02%

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)8.13%

Min Revenue beat(2)3.78%

Max Revenue beat(2)12.49%

Revenue beat(4)3

Avg Revenue beat(4)4.52%

Min Revenue beat(4)-7.46%

Max Revenue beat(4)12.49%

Revenue beat(8)6

Avg Revenue beat(8)2.61%

Revenue beat(12)10

Avg Revenue beat(12)8.38%

Revenue beat(16)14

Avg Revenue beat(16)12.23%

PT rev (1m)0%

PT rev (3m)26.72%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)0%

EPS NY rev (3m)18.21%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)4.63%

Revenue NY rev (3m)4.63%

Valuation

		Industry Rank	Sector Rank
PE	7.37
Fwd PE	8.77
P/S	1.12
P/FCF	N/A
P/OCF	N/A
P/B	0.36
P/tB	0.36
EV/EBITDA	N/A

EPS(TTM)22.38

EY13.57%

EPS(NY)18.81

Fwd EY11.4%

FCF(TTM)-39.29

FCFYN/A

OCF(TTM)-36.53

OCFYN/A

SpS147.68

BVpS459.6

TBVpS452.43

PEG (NY)N/A

PEG (5Y)3.16

Profitability

		Industry Rank	Sector Rank
ROA	0.71%
ROE	4.88%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	15.18%
GM	N/A
FCFM	N/A

ROA(3y)0.49%

ROA(5y)0.36%

ROE(3y)3.51%

ROE(5y)2.63%

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 3Y20.95%

PM growth 5Y18.03%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	1.87%
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-Score6

WACC8.53%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)3.05%

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)81.43%

EPS 3Y44.33%

EPS 5Y2.33%

EPS Q2Q%26.56%

EPS Next Y-3.05%

EPS Next 2Y-4.96%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)47.03%

Revenue growth 3Y19.11%

Revenue growth 5Y15.06%

Sales Q2Q%15.13%

Revenue Next Year2.92%

Revenue Next 2Y2.6%

Revenue Next 3YN/A

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-218.67%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-200.3%

OCF growth 3YN/A

OCF growth 5YN/A

SPAREBANK 1 NORDMOERE (SNOR.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

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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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