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SpareBank 1

OSL:MING · NO0006390301
BanksSmall

360

96
Profit price95
Cash yield79
Price/Sales71
EV / Gross Profit66
Price/Book79
Returns on capital87
Profit margins—
Cash Conversion92
Accruals87
Owner Earnings Margin100
Sales growth6
Profit Growth26
Owner Earnings Growth27
Reinvestment79
Price momentum6
Debt load64
Debt serviceability29
Liquidity81
Analyst ratings70
Opinion Changes76
Price Target Upside88
Market mood17
Value Creation10/20creating 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 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
Websitesparebank1.no/nb/smn/privat.html
ISINNO0006390301
Last UpdateApr 2, 2026
Index & Theme
Banking

Description

SpareBank 1 SMN, serves as a leading provider of financial services, focusing on sustainable solutions to foster economic growth and community support in Mid Norway. The company operates predominantly in the banking sector, offering a wide array of f…

Analysis

Hidden champion

SpareBank 1 SMN fits the profile of a hidden champion, yet the market has not awarded it the premium its quality earns.

On valuation, the picture is attractive. The owner-earnings multiple stands at 7.0×; owner earnings: the cash an owner could take out each year.

Growth is weak; the safety picture is adequate. The company scores 10/20 on our value-creation score: creating some value. Analysts lean positive.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
83
2023202420252026

All-time high

87

Jan 2024

All-time low

43

Jan 2023

Average rank

69

across all years

Detailed & Historical Ranks

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

Current202520242023
Price/Sales
71
46
37
41
Price/Earnings
92
40
30
37
Price/Book
79
28
19
21
Dividend Yield
79
70
57
56
Value (overall)
92
37
24
28

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 →