What is SpareBank 1 Sør-Norge ASA's (SB1NO.OL) StockRank?

MoatMap's StockRank for SpareBank 1 Sør-Norge ASA (SB1NO.OL) is 36/100, with a Hold signal. This is a composite score combining Quality (45), Value (43), and Momentum (41) factor ranks across MoatMap's 20,000+ stock universe.

Does SpareBank 1 Sør-Norge ASA have an economic moat?

SpareBank 1 Sør-Norge ASA (SB1NO.OL) has a Quality factor score of 45/100. 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 Sør-Norge ASA a buy, hold, or sell?

MoatMap's current signal for SpareBank 1 Sør-Norge ASA (SB1NO.OL) is Hold, based on a StockRank of 36/100. 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 Sør-Norge ASA in?

SpareBank 1 Sør-Norge ASA (SB1NO.OL) operates in the Financial Services sector, specifically the Banks - Regional industry (Norway).

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SB1NO.OL

HOLDREMOVE

SpareBank 1 Sør-Norge ASA · Financial Services · Norway · $7.8B · Avg Vol: $4M/d

StockRank

P/E (TTM)

11.4x

ROE

11.8%

D/E

—

Dividend %

6.3%

Director Trades · 180d

None in 180d →

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

SpareBank 1 Sør-Norge is a solid regional Norwegian bank, but it lacks a powerful macro tailwind or asymmetric upside over the next 18 months. It operates as a mature utility without the high-growth reinvestment runway required by our investment philosophy.

COMPANY DESCRIPTION

SpareBank 1 Sør-Norge ASA is one of the largest regional banks in Norway, serving retail customers and SMEs across the southern and western regions of the country. The bank's competitive moat is its deep local market knowledge, strong customer loyalty, and cost efficiencies gained through its membership in the SpareBank 1 Alliance. It is a highly profitable, regional banking leader characterized by low credit losses and robust capital adequacy.

FINANCIAL SUMMARY (USD)

Year	2021	2022	2023	2024	2025	CAGR
Revenue	646M	—	915M	—	—	19.0%
EPS	—	1.39	1.76	1.41	1.84	9.6%
Shares	—	256M	264M	375M	375M	+46.8%
Debt	—	16.3B	17.5B	22.8B	23.3B	12.7%
Equity	—	3.1B	3.6B	5.7B	6.0B	24.6%
Op CF	—	-1.7B	937M	-835M	1.1B	7.6%
Inv CF	—	11M	38M	-89M	108M	—
Fin CF	—	1.8B	-903M	1.0B	-1.4B	—

PRICE (1M)-3.1%

SMA 50SMA 200

$20.68

RSI (14)

48.2

52W High

$22.58

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.3%*48.5

ROE

11.8%59.9

GP/Assets

2.6%30.0

Op. Margin

61.0%82.2

FCF/Assets

—N/A

Piotroski

—68.0

Int. Cover

—N/A

D/E Ratio

—N/A

Current Ratio

—N/A

Value

P/E (TTM)

11.4x59.8

EV/EBITDA

—N/A

P/FCF

—N/A

P/B

1.4x36.3

P/S

5.3x25.9

Div Yield

6.3%83.1

Momentum

52W High %

92%51.8

RS 6M

-16%27.7

SMA 50/200

1.07x67.5

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

+8%30.2

Q Growth

-8%22.7

FUNDAMENTALS

Market Cap

$7.8B

P/E (Forward)

10.6x

Gross Margin

0.0%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of SB1NO.OL are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
SB1NO.OL	SpareBank 1 Sør-Norge ASA(you)	$7.8B	36	HOLD
MING.OL	SpareBank 1 SMN	$3.0B	41	HOLD
SPOL.OL	SpareBank 1 Østlandet	$2.9B	40	HOLD
SBNOR.OL	Sparebanken Norge	$3.6B	56	HOLD
DNB.OL	DNB Bank ASA	$44.7B	44	HOLD
NONG.OL	SpareBank 1 Nord-Norge	$1.6B	50	HOLD
SOAG.OL	SpareBank 1 Østfold Akershus	$597M	39	HOLD
MORG.OL	Sparebanken Møre	$605M	41	HOLD
PARB.OL	Pareto Bank ASA	$581M	25	SELL
ROGS.OL	Rogaland Sparebank	$372M	39	HOLD

Peer medians: ROE 13.1% · P/E 10.8x · Gross margin 0.0%

SpareBank 1 Sør-Norge ASA (SB1NO.OL) — Stock Score Summary

SpareBank 1 Sør-Norge ASA (SB1NO.OL) has a MoatMap StockRank of 36/100 based on Quality (45/100), Value (43/100), and Momentum (41/100) factor scores. The current signal is HOLD. SpareBank 1 Sør-Norge is a solid regional Norwegian bank, but it lacks a powerful macro tailwind or asymmetric upside over the next 18 months. It operates as a mature utility without the high-growth reinvestment runway required by our investment philosophy.

Key Financial Metrics

Price	$20.68
Market Cap	$7.8B
P/E (TTM)	11.43
P/E (Forward)	10.56
Price/Book	1.35
Return on Equity	11.8%
Gross Margin	0.0%
Operating Margin	61.0%
Revenue Growth	-5.2%
Dividend Yield	6.3%

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

Frequently Asked Questions

What is SpareBank 1 Sør-Norge ASA’s (SB1NO.OL) StockRank?: MoatMap’s StockRank for SpareBank 1 Sør-Norge ASA (SB1NO.OL) is 36/100, with a Hold signal. It is a composite of Quality (45), Value (43), and Momentum (41) factor ranks across MoatMap’s 20,000+ stock universe.
Does SpareBank 1 Sør-Norge ASA have an economic moat?: SpareBank 1 Sør-Norge ASA (SB1NO.OL) has a Quality factor score of 45/100. 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 Sør-Norge ASA a buy, hold, or sell?: MoatMap’s current signal for SpareBank 1 Sør-Norge ASA (SB1NO.OL) is Hold, based on a StockRank of 36/100. 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 Sør-Norge ASA in?: SpareBank 1 Sør-Norge ASA (SB1NO.OL) operates in the Financial Services sector, specifically the Banks - Regional industry (Norway).