What is SpareBank 1 Nord-Norge's (NONG.OL) StockRank?

MoatMap's StockRank for SpareBank 1 Nord-Norge (NONG.OL) is 50/100, with a Hold signal. This is a composite score combining Quality (48), Value (53), and Momentum (39) factor ranks across MoatMap's 20,000+ stock universe.

Does SpareBank 1 Nord-Norge have an economic moat?

SpareBank 1 Nord-Norge (NONG.OL) has a Quality factor score of 48/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is SpareBank 1 Nord-Norge a buy, hold, or sell?

MoatMap's current signal for SpareBank 1 Nord-Norge (NONG.OL) is Hold, based on a StockRank of 50/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is SpareBank 1 Nord-Norge in?

SpareBank 1 Nord-Norge (NONG.OL) operates in the Financial Services sector, specifically the Banks - Regional industry (Norway).

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NONG.OL

HOLDREMOVE

SpareBank 1 Nord-Norge · Financial Services · Norway · $1.6B · Avg Vol: $1M/d

StockRank

P/E (TTM)

10.2x

ROE

16.9%

D/E

—

Dividend %

5.6%

Director Trades · 180d

None in 180d →

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

SpareBank 1 Nord-Norge is a solid regional Norwegian bank, but it lacks any asymmetric global macro tailwinds or high-growth reinvestment runway. It is a localized utility business that does not fit our concentrated, high-conviction global mandate.

COMPANY DESCRIPTION

SpareBank 1 Nord-Norge is a leading financial services group providing retail and corporate banking, insurance, and leasing services in Northern Norway. The bank commands a dominant regional market share, supported by its extensive branch network and deep local community ties. As part of the SpareBank 1 Alliance, it benefits from shared development costs and scale economies while maintaining local operational autonomy.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR
Revenue	418M	575M	627M	639M	15.3%
EPS	0.89	1.23	1.76	1.65	22.8%
Shares	100M	100M	100M	100M	0.0%
Debt	2.3B	2.6B	2.6B	2.7B	5.5%
Equity	1.7B	1.8B	2.1B	2.2B	9.4%
Op CF	325M	186M	395M	234M	-10.4%
Inv CF	-22M	-15M	-142M	-118M	—
Fin CF	-330M	-104M	-172M	-161M	—

PRICE (1M)-1.5%

SMA 50SMA 200

$16.31

RSI (14)

54.1

52W High

$17.66

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

2.4%*62.9

ROE

16.9%78.3

GP/Assets

4.4%51.9

Op. Margin

64.1%84.1

FCF/Assets

—N/A

Piotroski

—20.6

Int. Cover

—N/A

D/E Ratio

—N/A

Current Ratio

—N/A

Value

P/E (TTM)

10.2x68.1

EV/EBITDA

—N/A

P/FCF

—N/A

P/B

0.9x69.1

P/S

2.4x66.4

Div Yield

5.6%78.9

Momentum

52W High %

92%53.9

RS 6M

-16%28.4

SMA 50/200

1.07x67.7

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

-1%20.1

Q Growth

-12%19.9

FUNDAMENTALS

Market Cap

$1.6B

P/E (Forward)

10.3x

Gross Margin

0.0%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of NONG.OL are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
NONG.OL	SpareBank 1 Nord-Norge(you)	$1.6B	50	HOLD
SPOL.OL	SpareBank 1 Østlandet	$2.9B	40	HOLD
MING.OL	SpareBank 1 SMN	$3.0B	41	HOLD
SBNOR.OL	Sparebanken Norge	$3.6B	56	HOLD
RING.OL	SpareBank 1 Ringerike Hadeland	$740M	62	HOLD
MORG.OL	Sparebanken Møre	$605M	41	HOLD
SOAG.OL	SpareBank 1 Østfold Akershus	$597M	39	HOLD
ROGS.OL	Rogaland Sparebank	$372M	39	HOLD
INSTA.OL	Instabank ASA	$210M	49	HOLD
PARB.OL	Pareto Bank ASA	$581M	25	SELL

Peer medians: ROE 12.3% · P/E 11.0x · Gross margin 0.0%

SpareBank 1 Nord-Norge (NONG.OL) — Stock Score Summary

SpareBank 1 Nord-Norge (NONG.OL) has a MoatMap StockRank of 50/100 based on Quality (48/100), Value (53/100), and Momentum (39/100) factor scores. The current signal is HOLD. SpareBank 1 Nord-Norge is a solid regional Norwegian bank, but it lacks any asymmetric global macro tailwinds or high-growth reinvestment runway. It is a localized utility business that does not fit our concentrated, high-conviction global mandate.

Key Financial Metrics

Price	$16.31
Market Cap	$1.6B
P/E (TTM)	10.25
P/E (Forward)	10.34
Price/Book	0.85
Return on Equity	16.9%
Gross Margin	0.0%
Operating Margin	64.1%
Revenue Growth	-3.9%
Dividend Yield	5.6%

SpareBank 1 Nord-Norge operates in the Banks - Regional industry, part of the Financial Services sector (Norway).

Frequently Asked Questions

What is SpareBank 1 Nord-Norge’s (NONG.OL) StockRank?: MoatMap’s StockRank for SpareBank 1 Nord-Norge (NONG.OL) is 50/100, with a Hold signal. It is a composite of Quality (48), Value (53), and Momentum (39) factor ranks across MoatMap’s 20,000+ stock universe.
Does SpareBank 1 Nord-Norge have an economic moat?: SpareBank 1 Nord-Norge (NONG.OL) has a Quality factor score of 48/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is SpareBank 1 Nord-Norge a buy, hold, or sell?: MoatMap’s current signal for SpareBank 1 Nord-Norge (NONG.OL) is Hold, based on a StockRank of 50/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is SpareBank 1 Nord-Norge in?: SpareBank 1 Nord-Norge (NONG.OL) operates in the Financial Services sector, specifically the Banks - Regional industry (Norway).