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SpareBank 1 Nordmøre (SNOR.OL)

NOK178.02 -0.48 (-0.27%)
NO OSL Financial Services Banks - Regional
Address Langveien 21 6509
Kristiansund, NO
CEO Allan Troelsen
IPO 2017-10-02
ISIN NO0010691660

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Description

SpareBank 1 Nordmøre operates as a financial institution, delivering a comprehensive suite of banking solutions across Norway. Its diverse portfolio caters to individual clients, featuring savings and current accounts, alongside a range of lending options including personal loans for vehicles (cars, motorcycles, boats), construction projects, and home mortgages. Additionally, it provides essential personal protection through life, travel, and accident insurance, retirement planning tools, and convenient banking essentials like cards, payment processing, and debt recovery services. Modern digital access is ensured via mobile and internet banking platforms. For commercial enterprises, the bank extends robust insurance coverage, encompassing liability, automotive, property, business interruption, asset protection, and specialized project and commercial policies. Further business support includes bank guarantees, various trade credit facilities, and agricultural operating credit. Specialized financial services like factoring, leasing arrangements, and structured repayment solutions are also part of its offering. Established in 1835 and headquartered in Kristiansund, Norway, this long-standing institution functions as a part of the SpareBank 1 Gruppen AS family.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
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
Averages
Trend
Price
Levels
Draw
NOK178.02 -0.48 (-0.27%)
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Volume Profile
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Liquidity & share structure
Average Volume
2.6K
Beta
0.16
Float Shares
2.98M
Free Float %
32.8%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+1.39% -1.27% -7.10% +4.19% +13.41% +7.15% +19.05% +55.85% +55.85% +60.49% +60.49%
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
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
178.02
Ratings Trend (MoM) 0% Bullish
Rating 2026-05 Change
Strong Buy 0 0
Buy 0 0
Hold 1 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.17
Distress
Piotroski F-Score
4 / 9
Average
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
3 / 5
Medium
ROA Score
4 / 5
High
D/E Score
1 / 5
Low
P/E Score
4 / 5
High
P/Book Score
4 / 5
High
Operational MOAT
  • Revenue growth
    +4.4% Q1'26: -1.4% (vs Q1'25)
  • EPS growth
    -0.4% Q1'26: -69.6% (vs Q1'25)
  • FCF margin
    Q1'26: +75.2% (vs Q1'25)
  • EBIT margin
    Q1'26: +19.1% (vs Q1'25)
  • ROIC
    Q1'26: +2.5% (vs Q1'25)
  • Share dilution
    -1.1% Q1'26: +0.0% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 19.20× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
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.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.17) × ERP
WACC = 20% × Ke + 80% × Kd (15.2%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Current price: 178.02
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric 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
1 Rev. Ana.
1 EPS Ana.
Dec 2028
1 Rev. Ana.
1 EPS Ana.
Revenue
598.30M
est: 394.10M (+51.8%)
576.15M
est: 405.40M (+42.1%)
702.33M
est: 412.00M (+70.5%)
587.00M
est: 390.00M (+50.5%)
743.00M
est: 564.90M (+31.5%)
1.13B
est: 696.40M (+62.0%)
1.65B
est: 850.30M (+94.4%)
1.97B
est: 989.40M (+98.6%)
2.05B
est: 999.00M (+105.3%)
1.03B
1.03B – 1.03B
+3.6% YoY
1.08B
1.08B – 1.08B
+4.1% YoY
1.13B
1.13B – 1.13B
+4.8% YoY
EBITDA
218.92M
est: 121.78M (+79.8%)
185.31M
est: 125.27M (+47.9%)
280.35M
est: 127.31M (+120.2%)
196.00M
est: 120.51M (+62.6%)
198.00M
est: 174.55M (+13.4%)
418.00M
est: 215.19M (+94.3%)
429.00M
est: 555.35M (-22.8%)
618.00M
est: 596.37M (+3.6%)
592.00M
est: 299.65M (+97.6%)
310.35M
310.35M – 310.35M
+3.6% YoY
323.07M
323.07M – 323.07M
+4.1% YoY
338.46M
338.46M – 338.46M
+4.8% YoY
EBIT
208.08M
est: 112.97M (+84.2%)
173.39M
est: 116.21M (+49.2%)
263.43M
est: 118.10M (+123.0%)
175.00M
est: 111.80M (+56.5%)
175.00M
est: 161.94M (+8.1%)
393.00M
est: 199.63M (+96.9%)
409.00M
est: 305.74M (+33.8%)
597.00M
est: 328.32M (+81.8%)
572.00M
est: 296.60M (+92.9%)
307.20M
307.20M – 307.20M
+3.6% YoY
319.79M
319.79M – 319.79M
+4.1% YoY
335.02M
335.02M – 335.02M
+4.8% YoY
Net Income
177.02M
est: 130.20M (+36.0%)
137.59M
est: 93.33M (+47.4%)
229.76M
est: 88.71M (+159.0%)
143.00M
est: 74.25M (+92.6%)
142.00M
est: 67.78M (+109.5%)
333.00M
est: 107.01M (+211.2%)
314.00M
est: 266.66M (+17.8%)
486.00M
est: 144.21M (+237.0%)
502.00M
est: 178.45M (+181.3%)
161.33M
161.33M – 161.33M
-9.6% YoY
165.55M
165.55M – 165.55M
+2.6% YoY
175.94M
175.94M – 175.94M
+6.3% YoY
SGA
11.66M
est: 6.20M (+88.1%)
11.64M
est: 6.38M (+82.5%)
13.72M
est: 6.48M (+111.7%)
12.00M
est: 6.14M (+95.6%)
17.00M
est: 8.89M (+91.3%)
20.00M
est: 10.96M (+82.6%)
19.00M
est: 334.36M (-94.3%)
12.00M
est: 359.06M (-96.7%)
11.00M
est: 12.70M (-13.4%)
13.16M
13.16M – 13.16M
+3.6% YoY
13.70M
13.70M – 13.70M
+4.1% YoY
14.35M
14.35M – 14.35M
+4.8% YoY
EPS
15.47
est: 14.37 (+7.7%)
10.37
est: 10.30 (+0.7%)
16.55
est: 9.79 (+69.1%)
9.26
est: 8.20 (+13.0%)
5.97
est: 7.48 (-20.2%)
13.79
est: 11.81 (+16.8%)
12.31
est: 13.08 (-5.9%)
18.82
est: 16.09 (+17.0%)
18.74
est: 19.91 (-5.9%)
18.00
18.00 – 18.00
-9.6% YoY
18.47
18.47 – 18.47
+2.6% YoY
19.63
19.63 – 19.63
+6.3% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-11 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5
2026-05-08 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5
2026-05-07 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5
2026-05-06 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5
2026-05-05 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5
2026-05-04 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5
2026-04-30 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5
2026-04-29 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5
2026-04-28 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5
2026-04-27 B+ 3/5 1/5 3/5 5/5 1/5 4/5 4/5
2026-04-24 B+ 3/5 1/5 3/5 5/5 1/5 4/5 4/5
2026-04-23 B+ 3/5 1/5 3/5 5/5 1/5 4/5 4/5
2026-04-22 B+ 3/5 1/5 3/5 5/5 1/5 4/5 4/5
2026-04-21 B+ 3/5 1/5 3/5 5/5 1/5 4/5 4/5
2026-04-20 B+ 3/5 1/5 3/5 5/5 1/5 4/5 4/5
2026-04-17 B+ 3/5 1/5 3/5 5/5 1/5 4/5 4/5
2026-04-16 B+ 3/5 1/5 3/5 5/5 1/5 4/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
986.23M
OE per share TTM
109.26
Owner's Yield
57.71%
Maintenance CapEx ratio
8.01%
Maint CapEx / Avg PPE
23.6%

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

This company is not held by any ETF in our universe.

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
2.50M
Shares Outstanding
9.06M

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

NameTitleCompensationGender
Steinar Sogn CFO and Director of Finance & Accounting 2M male
Allan Troelsen MD & Chief Executive Officer male
Linda Pedersen Credit Manager
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

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits