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Pareto Bank ASA (PARB.OL)
NOK68.40
-0.20 (-0.29%)
NO OSL Financial Services Banks - Regional
Address
Dronning Mauds gate 3 250
Oslo, NO
Oslo, NO
CEO
Tiril Haug Villum
Website
paretobank.no
IPO
2016-05-27
ISIN NO0010397581
Also trades on
London Stock Exchange · 0RI3.L (NOK)
Oslo Stock Exchange · PARB.OL (NOK)
Description
Established in 2007 and based in Oslo, Norway, Pareto Bank ASA offers a comprehensive range of banking services throughout Norway. The institution accepts deposits from corporate clients and manages investment accounts for private individuals. Additionally, it provides funding for residential and commercial property developments, extends capital to businesses with specific financial requirements, and finances operations within both conventional and industrial shipping sectors. The bank also facilitates the lending of financial instruments to both individual and corporate customers.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
NOK68.40
-0.20 (-0.29%)
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Volume Profile
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Liquidity & share structure
Average Volume
116.3K
Beta
0.43
Float Shares
33.02M
Free Float %
43.0%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -0.30% | +1.69% | -16.67% | -20.19% | -21.62% | -26.91% | -14.29% | +30.69% | +26.68% | +125.87% | +125.87% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
68.40
DCF (Unlevered)
309.76
+352.9%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
100% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 1 | 0 |
| Buy | 1 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
0.36
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
B-
Overall Score
2 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
3 / 5
Medium
ROA Score
5 / 5
High
D/E Score
1 / 5
Low
P/E Score
2 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
-
Revenue growth+3.9% Q1'26: -12.3% (vs Q1'25)
-
EPS growth-2.1% Q1'26: -61.1% (vs Q1'25)
-
FCF margin— Q1'26: +11.1% (vs Q1'25)
-
EBIT margin— Q1'26: +18.6% (vs Q1'25)
-
ROIC— Q1'26: +2.2% (vs Q1'25)
-
Share dilution+0.1% Q1'26: +0.2% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 21.36× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 1 Rev. Ana. 1 EPS Ana. |
Dec 2027 2 Rev. Ana. 2 EPS Ana. |
Dec 2028 2 Rev. Ana. 2 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
560.02M
est: 350.00M (+60.0%)
|
652.48M
est: 451.66M (+44.5%)
|
703.65M
est: 549.72M (+28.0%)
|
751.35M
est: 567.74M (+32.3%)
|
951.95M
est: 688.45M (+38.3%)
|
969.17M
est: 740.76M (+30.8%)
|
994.34M
est: 844.39M (+17.8%)
|
1.27B
est: 940.57M (+35.2%)
|
1.92B
est: 1.10B (+75.3%)
|
2.26B
est: 1.25B (+81.2%)
|
2.35B
est: 1.28B (+84.1%)
|
1.27B
1.25B – 1.28B
-0.9% YoY
|
1.35B
1.32B – 1.37B
+6.4% YoY
|
1.44B
1.44B – 1.44B
+6.8% YoY
|
| EBITDA |
246.90M
est: 188.76M (+30.8%)
|
332.75M
est: 243.58M (+36.6%)
|
419.12M
est: 296.46M (+41.4%)
|
446.31M
est: 306.18M (+45.8%)
|
535.98M
est: 371.28M (+44.4%)
|
574.57M
est: 399.49M (+43.8%)
|
682.56M
est: 455.38M (+49.9%)
|
749.71M
est: 507.25M (+47.8%)
|
810.97M
est: 546.18M (+48.5%)
|
919.00M
est: 1.07B (-14.3%)
|
903.19M
est: 635.40M (+42.1%)
|
629.83M
623.79M – 635.88M
-0.9% YoY
|
670.28M
657.79M – 682.77M
+6.4% YoY
|
715.63M
715.63M – 715.63M
+6.8% YoY
|
| EBIT |
242.34M
est: 185.00M (+31.0%)
|
328.47M
est: 300.50M (+9.3%)
|
414.97M
est: 414.00M (+0.2%)
|
438.74M
est: 429.76M (+2.1%)
|
524.54M
est: 524.70M (0.0%)
|
565.15M
est: 584.15M (-3.3%)
|
668.16M
est: 589.63M (+13.3%)
|
733.80M
est: 643.44M (+14.0%)
|
794.20M
est: 534.65M (+48.5%)
|
900.38M
est: 711.10M (+26.6%)
|
883.04M
est: 621.99M (+42.0%)
|
616.54M
610.62M – 622.45M
-0.9% YoY
|
656.13M
643.91M – 668.36M
+6.4% YoY
|
700.52M
700.52M – 700.52M
+6.8% YoY
|
| Net Income |
174.65M
est: 323.38M (-46.0%)
|
247.31M
est: 216.56M (+14.2%)
|
312.59M
est: 311.70M (+0.3%)
|
330.78M
est: 323.73M (+2.2%)
|
397.63M
est: 395.59M (+0.5%)
|
428.37M
est: 442.82M (-3.3%)
|
504.54M
est: 446.98M (+12.9%)
|
555.50M
est: 487.77M (+13.9%)
|
566.52M
est: 603.67M (-6.2%)
|
636.82M
est: 659.39M (-3.4%)
|
623.94M
est: 666.18M (-6.3%)
|
427.07M
421.74M – 432.40M
-35.9% YoY
|
631.09M
625.05M – 639.01M
+47.8% YoY
|
735.74M
715.00M – 758.47M
+16.6% YoY
|
| SGA |
20.16M
est: 11.38M (+77.2%)
|
28.35M
est: 145.18M (-80.5%)
|
25.93M
est: 163.93M (-84.2%)
|
31.11M
est: 129.32M (-75.9%)
|
35.17M
est: 157.76M (-77.7%)
|
34.83M
est: 188.67M (-81.5%)
|
39.20M
est: 190.43M (-79.4%)
|
44.71M
est: 207.81M (-78.5%)
|
51.32M
est: 32.20M (+59.4%)
|
57.31M
est: 36.64M (+56.4%)
|
47.22M
est: 37.46M (+26.1%)
|
37.13M
36.78M – 37.49M
-0.9% YoY
|
39.52M
38.78M – 40.25M
+6.4% YoY
|
42.19M
42.19M – 42.19M
+6.8% YoY
|
| EPS |
3.90
est: 4.21 (-7.4%)
|
4.07
est: 4.15 (-1.9%)
|
5.27
est: 5.43 (-2.9%)
|
5.63
est: 5.63 (0.0%)
|
5.69
est: 5.58 (+2.0%)
|
6.13
est: 5.69 (+7.8%)
|
7.22
est: 7.05 (+2.3%)
|
7.95
est: 7.28 (+9.2%)
|
7.89
est: 7.85 (+0.5%)
|
8.29
est: 8.40 (-1.4%)
|
8.12
est: 8.67 (-6.3%)
|
5.55
5.49 – 5.62
-35.9% YoY
|
8.22
8.13 – 8.31
+48.0% YoY
|
9.58
9.30 – 9.87
+16.6% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-12 | C+ | 2/5 | 1/5 | 3/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-11 | C+ | 2/5 | 1/5 | 3/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-08 | B- | 2/5 | 1/5 | 3/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-07 | B- | 2/5 | 1/5 | 3/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-06 | B- | 2/5 | 1/5 | 3/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-05 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-04 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-30 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-29 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-28 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-27 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-24 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-23 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-22 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-21 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-20 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-17 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-16 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 3/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
1.68B
OE per share TTM
20.60
Owner's Yield
33.44%
Maintenance CapEx ratio
2.76%
Maint CapEx / Avg PPE
2.5%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
Held by 14 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | WisdomTree Europe SmallCap Dividend UCITS ETF WTES.DE | 0.12% | 114.0K | 0.38% |
| 2 | WisdomTree Europe SmallCap Dividend UCITS ETF Acc DFEA.L | 0.12% | 114.0K | 0.38% |
| 3 | WisdomTree International SmallCap Dividend Fund DLS | 0.07% | 687.6K | 0.58% |
| 4 | WisdomTree Dynamic International SmallCap Equity ETF DDLS | 0.07% | 279.8K | 0.48% |
| 5 | Dimensional - International Small Cap Value ETF DISV | 0.01% | 518.6K | 0.42% |
| 6 | Avantis International Small Cap Equity ETF AVDS | 0.01% | 31.1K | 0.30% |
| 7 | Dimensional - International Small Cap ETF DFIS | 0.01% | 559.6K | 0.39% |
| 8 | Avantis Responsible International Equity ETF AVSD | 0.00% | 15.0K | 0.23% |
| 9 | Dimensional - International Vector Equity ETF DXIV | 0.00% | 4.9K | 0.53% |
| 10 | Dimensional World ex U.S. Core Equity 2 ETF DFAX | 0.00% | 259.4K | 0.28% |
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
13.18M
Shares Outstanding
76.78M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Tiril Haug Villum | MD & CEO | 5M | female |
| Per Oyvind Schiong | Director of Credit & Legal | 5M | male |
| Erik Skarbøvig | Head of Corporate Finance | 4M | male |
| Erling Mork | CRO & Director of Risk Management | 4M | male |
| Vegard Toverud | Chief Financial Officer | 3M | male |
| Mats Presterud | Compliance Officer | — | — |
| Eivind Romberg Kvaale | Senior Vice President of Sweden | — | — |
| Veronica Mork | Senior Advisor of Custody and Loan Administration | — | — |
| Erik Abrahamsen | Senior Vice President of Sweden | — | — |
| Hallbjorn Nydal | Bank Manager Credit | — | — |
| Jon Henrik Solberg Piela | Head of Custody & Loan Administration | — | — |
| Julie Jacobsen | Vice President of Shipping & Offshore | — | — |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for PARB.OL
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
