Stock MING SPAREBANK 1 SMN
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Financials SpareBank 1 SMN

Equities

MING

NO0006390301

Banks

Market Closed - Oslo Bors
Other stock markets
 10:45:00 2024-04-26 EDT 		5-day change 1st Jan Change
142 NOK +0.06% Intraday chart for SpareBank 1 SMN +1.10% +0.14%
04-17 Norwegian Competition Regulator Clears SpareBank 1 Sorost-Norge's Merger with SpareBank 1 SR-Bank MT
03-15 Nordic Shares Decreased Friday; BoneSupport Holding Posted Biggest Loss DJ

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 13,010 12,620 19,279 16,472 20,394 20,476 - -
Enterprise Value (EV) 1 13,010 12,620 19,279 16,472 20,394 20,476 20,476 20,476
P/E ratio 8.25 x 11 x 11.2 x 9.94 x 8.4 x 8.19 x 8.75 x 9.12 x
Yield 6.49% 4.1% 5.03% 5.1% 8.46% 8.88% 7.55% 7.42%
Capitalization / Revenue 2.11 x 2.01 x 2.9 x 3.06 x 3.04 x 2.55 x 2.57 x 2.56 x
EV / Revenue 2.11 x 2.01 x 2.9 x 3.06 x 3.04 x 2.55 x 2.57 x 2.56 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 1.1 x 1.03 x 1.44 x 1.16 x 1.18 x 1.12 x 1.08 x 1.05 x
Nbr of stocks (in thousands) 129,836 129,304 129,391 129,290 143,820 144,200 - -
Reference price 2 100.2 97.60 149.0 127.4 141.8 142.0 142.0 142.0
Announcement Date 20-02-05 21-02-05 22-02-10 23-02-08 24-02-08 - - -
1NOK in Million2NOK
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 6,178 6,281 6,655 5,380 6,716 8,019 7,963 7,998
EBITDA - - - - - - - -
EBIT 1 3,380 3,329 3,662 2,937 4,498 4,756 4,568 4,479
Operating Margin 54.71% 53% 55.03% 54.59% 66.97% 59.31% 57.37% 56%
Earnings before Tax (EBT) 1 3,081 2,378 3,501 3,324 4,484 4,869 4,543 4,466
Net income 1 2,563 1,793 2,692 2,785 3,688 3,742 3,498 3,366
Net margin 41.49% 28.55% 40.45% 51.77% 54.91% 46.66% 43.92% 42.09%
EPS 2 12.14 8.870 13.31 12.82 16.88 17.35 16.22 15.57
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 6.500 4.000 7.500 6.500 12.00 12.61 10.72 10.53
Announcement Date 20-02-05 21-02-05 22-02-10 23-02-08 24-02-08 - - -
1NOK in Million2NOK
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 1,578 1,395 1,395 1,546 1,499 1,435 1,576 1,757 1,772 1,811 1,974 2,036 2,009 2,000 2,102
EBITDA - - - - - - - - - - - - - - -
EBIT 1 880 848 868 788 810 789 847 1,074 1,032 1,517 1,151 1,229 1,192 1,078 1,256
Operating Margin 55.77% 60.79% 62.22% 50.97% 54.04% 54.98% 53.74% 61.13% 58.24% 83.77% 58.31% 60.38% 59.33% 53.89% 59.75%
Earnings before Tax (EBT) 1 849 816 868 880 788 932 946 1,045 996 1,496 1,157 1,397 1,214 1,104 1,141
Net income 1 650 565 646 646 585 768 778 923 705 1,247 864.2 1,056 913.7 827.8 859
Net margin 41.19% 40.5% 46.31% 41.79% 39.03% 53.52% 49.37% 52.53% 39.79% 68.86% 43.77% 51.88% 45.49% 41.38% 40.86%
EPS 2 3.220 3.200 3.200 3.200 2.890 3.530 3.510 4.210 3.280 5.620 4.006 4.900 4.238 3.836 3.978
Dividend per Share 2 - 7.500 - - - 6.500 - - - 12.00 - - - 12.50 -
Announcement Date 21-10-28 22-02-10 22-05-06 22-08-11 22-10-29 23-02-08 23-05-09 23-08-10 23-11-02 24-02-08 - - - - -
1NOK in Million2NOK
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 13.7% 10% 13.5% 12.3% 14.4% 13.5% 12.4% 11.9%
ROA (Net income/ Total Assets) 1.57% 1.01% 1.39% 1.32% 1.62% 1.55% 1.4% 1.35%
Assets 1 163,686 177,279 193,377 211,145 228,020 241,402 249,847 249,334
Book Value Per Share 2 90.80 94.70 103.0 110.0 120.0 127.0 131.0 135.0
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 20-02-05 21-02-05 22-02-10 23-02-08 24-02-08 - - -
1NOK in Million2NOK
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for SpareBank 1 SMN

Trading Rating
Investor Rating
ESG Refinitiv
C+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
4
Last Close Price
142 NOK
Average target price
159 NOK
Spread / Average Target
+11.97%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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Other Banks
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