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Sparebank 1 Sor-Norge

OSL:SB1NO · NO0010631567
BanksSmall

360

67
Profit price87
Cash yield73
Price/Sales18
EV / Gross Profit9
Price/Book69
Returns on capital9
Profit margins—
Cash Conversion87
Accruals86
Owner Earnings Margin98
Sales growth11
Profit Growth33
Owner Earnings Growth42
Reinvestment72
Price momentum14
Debt load10
Debt serviceability36
Liquidity82
Analyst ratings37
Opinion Changes88
Price Target Upside73
Market mood62
Value Creation13/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Sparebank 1 Sor-Norge clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryNorway
IndustryBanks
SizeSmall
TypePublic Company
ExchangeOB
Founded1995
Employees1,064
Websitesparebank1.no/nb/sr-bank/privat.html
ISINNO0010631567
Last UpdateApr 2, 2026
Indices
Sound Pay Practices (Europe)
Themes
Consumer LendingFinancial ServicesInsurance

Description

SpareBank 1 Sør-Norge ASA positions itself as a forward-thinking relationship bank serving the entirety of Southern Norway. The institution's objectives are detailed in its articles of association, which stipulate that it operates as a bank committed…

Analysis

Hidden champion

SpareBank 1 Sør-Norge ASA is what we call a hidden champion: a strong business that the market is not pricing as one.

The price is attractive. You pay 11.3× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is weak and the balance sheet is sturdy. The company scores 13/20 on our value-creation score: creating some value.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
40
2023202420252026

All-time high

67

Jan 2025

All-time low

6

Mar 2026

Average rank

36

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
18
16
19
14
Price/Earnings
37
41
37
38
Price/Book
69
47
37
34
Dividend Yield
73
65
53
52
Value (overall)
51
35
32
26

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →