Fact based stock research
SpareBank 1 SR-Bank (OB:SRBANK)

NO0010631567

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For every stock, we judge its performance against its peers and rank it on a scale of 1 to 100. The higher the rank, the better the stock performs than its peers. And, we do this for six investment strategies:
Value - shows how good of a value the stock is. Green is "inexpensive"; red is "expensive".

Growth - shows a company's growth potential. Green is "high growth" expected; red is "tough times ahead".

Safety - relates to the amount of debt a company has. Green is low debt level; red is high debt level.

Combined Financial - this isn't an average of the first three ranks but rather a consolidated view across several financial indicators. Green = good; red = tread carefully.

(NEW) Sentiment - quantifies professional analyst ratings and holdings as well as market pulse. Green = positive sentiment; red = skepticism (Only available to Premium Subscribers).

(NEW) 360° View - the ultimate rating with all financial and non-financial indicators.

SpareBank 1 SR-Bank stock research in summary

sparebank1.no

ANALYSIS: With an Obermatt Combined Rank of 81 (better than 81% compared with investment alternatives), SpareBank 1 SR-Bank (Regional Banks, Norway) shares have much better financial characteristics than comparable stocks. Shares of SpareBank 1 SR-Bank are low in value (priced high) with a consolidated Value Rank of 33 (worse than 67% of alternatives). But they show above-average growth (Growth Rank of 86) and are safely financed (Safety Rank of 62, which means below-average debt burdens). ...read more

RECOMMENDATION: A Combined Rank of 81, is a strong buy recommendation based on SpareBank 1 SR-Bank's financial characteristics. Investors looking for growth and low financial risk may find this stock attractive. While the company SpareBank 1 SR-Bank exhibits low value (Obermatt Value Rank of 33), which means that the stock price is rather high, it also demonstrates above-average growth (Obermatt Growth Rank of 86). This is a typical case, as high-growth companies are often expensive. Good financing practices (Obermatt Safety Rank of 62) are a double-edged sword: if the company continues growing, low debt limits shareholder returns. But if the company increases its debt, it will also increase risk. In other words, this is an investment on the safer side, despite the above-average price (low value). Obermatt Premium subscribers can further check the stock’s Sentiment Ranks, which also flow into the Obermatt 360° View for investors. ...read more

Latest Obermatt Ranks


360° View^new
Sentiment Rank^new
Value Rank	33
Growth Rank	86
Safety Rank	62
Combined Rank	81

Country	Norway
Industry	Regional Banks
Index	Human Rights, SDG 13, SDG 5, SDG 8, Sound Pay Europe
Size class	Small

31-Jul-2025. Stock data may be delayed. Log in or sign up to get the most recent research.

Further information

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Review the performance ranks of the individual metrics that form each investment strategy.

Research History: SpareBank 1 SR-Bank

RESEARCH HISTORY	2022	2023	2024	2025
VALUE
VALUE	26	32	35	33
GROWTH
GROWTH	67	50	77	86
SAFETY
SAFETY	27	21	69	62
SENTIMENT
SENTIMENT	77	43	54	^new
360° VIEW
360° VIEW	43	26	67	^new

Most recent update of the stock research: 31-Jul-2025. Financial reporting date used for calculating ranks: 31-Mar-2025. Stock research history is based on the Obermatt Method. The higher the rank, the better SpareBank 1 SR-Bank is in the corresponding investment strategy.
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Combined financial peformance in Detail

RESEARCH HISTORY	2022	2023	2024	2025
VALUE
VALUE	26	32	35	33
GROWTH
GROWTH	67	50	77	86
SAFETY
SAFETY	27	21	69	62
COMBINED
COMBINED	27	22	79	81

Last update of combined financial performance: 31-Jul-2025. Stock analysis on combined financial performance: The higher the rank of SpareBank 1 SR-Bank the better the performance.

Value Metrics in Detail

ANALYSIS: With an Obermatt Value Rank of 33 (worse than 67% compared with alternatives), SpareBank 1 SR-Bank shares are more expensive than the average comparable stock. The Value Rank is based on consolidating four value indicators, with all four indicators below average for SpareBank 1 SR-Bank. Price-to-Sales is 20 which means that the stock price compared with what market professionals expect for future profits is higher than 80% of comparable companies, indicating a low value concerning SpareBank 1 SR-Bank's sales levels. Price-to-Book Capital (also referred to as market-to-book ratio) also has a low Price-to-Book Rank of 47, which means that both reliable company size indicators, sales, and invested capital cannot explain the high stock price of SpareBank 1 SR-Bank. In addition, the two profit-related value indicators, Price-to-Profit (also referred to as price-earnings, P/E) with a low rank of 39 and Dividend Yield, which is lower than 51% of comparable companies, also make the stock more expensive compared with investment alternatives. ...read more

RECOMMENDATION: The overall picture with a consolidated Value Rank of 33, is a hold recommendation based on SpareBank 1 SR-Bank's stock price compared with the company's operational size and dividend yields. How can market participants pay such a high price for SpareBank 1 SR-Bank? One reason may be that the company is simply too popular. If enough people want a particular stock, its price can exceed reasonable levels. This is often the case for companies offering new and exciting products and everybody wants a piece of the action. Should you pay a lot for a hot stock such as SpareBank 1 SR-Bank? It's risky, and even if the stock price continues to grow because of popular demand, it may return to more typical lower levels later. And that return can be sudden and quick, making it impossible for retail investors to exit on time. Sometimes, high prices are deserved. This is the case when it is justified to believe that the company will dominate a market with high profit margins. It has happened in the past for many technology companies and indeed for commercially successful pharmaceutical discoveries. Sometimes they last, sometimes, they get eaten alive. SpareBank 1 SR-Bank may be such a type of stock. That would mean, retail investors should be careful, only considering investing a small part of their wealth in this exciting category and always being ready to lose more than half, if not all of the investment. We recommend further analyzing the stock with Obermatt’s Value, Safety, and Sentiment Ranks, including the 360° View, before making an investment decision, which is essential in this case, as the financial indicators are inconclusive. ...read more

VALUE METRICS	2022	2023	2024	2025
PRICE VS. REVENUES (P/S)
PRICE VS. REVENUES (P/S)	14	19	16	20
PRICE VS. PROFITS (P/E)
PRICE VS. PROFITS (P/E)	38	37	41	39
PRICE VS. CAPITAL (Market-to-Book)
PRICE VS. CAPITAL (Market-to-Book)	34	37	47	47
DIVIDEND YIELD
DIVIDEND YIELD	52	53	65	49
CONSOLIDATED RANK: VALUE
CONSOLIDATED RANK: VALUE	26	32	35	33

Last update of Value Rank: 31-Jul-2025. Stock analysis on value ratios: The higher the rank, the lower the value ratio of SpareBank 1 SR-Bank; except for dividend yield where the rank is higher, the higher the yield.

Growth Metrics in Detail

ANALYSIS: With an Obermatt Growth Rank of 86 (better than 86% compared with alternatives) for 2025, SpareBank 1 SR-Bank shows one of the highest growth dynamics in its industry. Investors also speak of high momentum. The Growth Rank is based on consolidating four value indicators, with all but one indicator above average for SpareBank 1 SR-Bank. Profit Growth has a rank of 89 which means that currently professionals expect the company to grow its profits more than 89% of its competitors. The same is valid for capital growth and stock returns. Capital Growth has a rank of 100, and Stock Returns has a rank of 63 which means that the stock returns have recently been above 63% of alternative investments. Only revenue growth is low with a Sales Growth has a rank of 43 (57% of its competitors are better). ...read more

RECOMMENDATION: The overall picture with a consolidated Growth Rank of 86, is a buy recommendation for growth and momentum investors. The many positive growth indicators indicate a positive growth momentum with only low revenue growth. That can also be attributed to divestments or the sale of unprofitable businesses. If that is the reason, overall growth is well on track to making this stock attractive for growth investors. While momentum is a popular investment factor, the value aspect might be the more important one, in the longer term. We recommend analyzing the stock with Obermatt’s Value, Safety, and Sentiment Ranks to arrive at a 360° View of the stock purchase case. ...read more

GROWTH METRICS	2022	2023	2024	2025
REVENUE GROWTH
REVENUE GROWTH	67	98	46	43
PROFIT GROWTH
PROFIT GROWTH	65	39	73	89
CAPITAL GROWTH
CAPITAL GROWTH	39	33	100	100
STOCK RETURNS
STOCK RETURNS	67	44	39	63
CONSOLIDATED RANK: GROWTH
CONSOLIDATED RANK: GROWTH	67	50	77	86

Last update of Growth Rank: 31-Jul-2025. Stock analysis on growth metrics: The higher the rank, the higher the growth and returns of SpareBank 1 SR-Bank.

Safety Metrics in Detail

ANALYSIS: With an Obermatt Safety Rank of 62 (better than 62% compared with alternatives), the company SpareBank 1 SR-Bank has financing practices on the safer side, which mean that their overall debt burden is lower than average. This doesn't mean that the business of SpareBank 1 SR-Bank is safe, it only means that the company is on the safer side regarding possible bankruptcy, assuming that public reporting is correct. The Safety Rank is based on consolidating three financing indicators, with two out of three indicators above-average for SpareBank 1 SR-Bank. Refinancing is at 67, meaning the portion of the debt that is about to be refinanced is below average. It has less debt in the refinancing stage than 67% of its competitors. Liquidity is also good at 87, meaning the company generates more profit to service its debt than 87% of its competitors. This indicates that the company is safer when it comes to debt service. However, Leverage is rather large at 14, which means the company has an above-average debt-to-equity ratio. It has more debt than 86% of its competitors. ...read more

RECOMMENDATION: With a consolidated Safety Rank of 62 (better than 62% compared with alternatives), SpareBank 1 SR-Bank has a financing structure that is safer than that of its competitors. This is not bad if things go well. The higher debt level means better returns to shareholders if things go well. Many top-performing companies operate with higher debt levels, and SpareBank 1 SR-Bank could be in that group. But if you expect the environment to turn rougher, the higher leverage could become a problem. The same is valid if you expect interest rates to rise. That could squeeze shareholder returns, which so far have benefitted from better conditions. In the long-term, investors may have a debt challenge with SpareBank 1 SR-Bank and should also compare Obermatt’s Value, Growth, and Sentiment Ranks before making a decision. ...read more

SAFETY METRICS	2022	2023	2024	2025
LEVERAGE
LEVERAGE	12	4	15	14
REFINANCING
REFINANCING	26	49	67	67
LIQUIDITY
LIQUIDITY	81	74	90	87
CONSOLIDATED RANK: SAFETY
CONSOLIDATED RANK: SAFETY	27	21	69	62

Last update of Safety Rank: 31-Jul-2025. Stock analysis on safety metrics: The higher the rank, the lower the leverage of SpareBank 1 SR-Bank and the more cash is available to service its debt.

Sentiment Metrics in Detail

SENTIMENT	2022	2023	2024	2025
ANALYST OPINIONS
ANALYST OPINIONS	n/a	72	58	^new
OPINIONS CHANGE
OPINIONS CHANGE	75	29	36	^new
PRO HOLDINGS
PRO HOLDINGS	88	56	100	^new
MARKET PULSE
MARKET PULSE	51	51	43	^new
CONSOLIDATED RANK: SENTIMENT
CONSOLIDATED RANK: SENTIMENT	77	43	54	^new

Last update of Sentiment Rank: 31-Jul-2025. Stock analysis on sentiment metrics: The higher the rank, the more positive the sentiment for SpareBank 1 SR-Bank.
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