B4M1.HA SpareBank 1 SR Bank ASA

Hanover Exchange
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22.45 EUR
Close of Oct 29, 2026
14.30 22.45
Market cap
-
P/E
15.0x
P/B
1.59x
ROE
12.3%
Dividend yield
5.30%
Fundamental score
2.5/5

Ratios use the latest price and the current fiscal year annualized from 2 quarters up to Jun 2026.

Is B4M1.HA undervalued?

Graham number
Price22.45
Graham value21.83
Premium2.8%

B4M1.HA trades 2.8% above its Graham number.

Graham number = √(22.5 × EPS × book value per share): the most a defensive investor should pay according to Benjamin Graham. An estimate, not a recommendation to buy or sell. How is it calculated?

SpareBank 1 SR Bank ASA fundamental analysis

12 of 22 checks passed

ROE 1/2

Moderate return on equity (12.3%), between 10% and 20%.

ROA 0/1

Return on assets (1.2%) is below the industry median (4.9%).

Profit Consistency 2/2

Profitable for 6 consecutive years.

Earnings Growth 5Y 1/1

Earnings per share grew over the past 5 years.

Earnings Acceleration 1/1

Last year's EPS growth (29.1%) is above the 5-year average (23.5% a year).

Earnings Growth vs Industry 1/1

Last year's EPS growth (29.1%) is above the industry median (17.2%).

Revenue Growth 2/2

Revenue grew 26.3% a year over the past 3 years.

Short-term Liquidity 0/1

Current assets do not cover short-term liabilities.

Long-term Liabilities 0/1

Current assets do not cover long-term liabilities.

Debt to Equity 0/2

Debt to equity cannot be calculated: debt is not reported or equity is negative.

Debt Trend 0/1

Debt to equity has risen over the past 5 years.

Debt Coverage 0/1

Debt is not reported.

Interest Coverage 0/1

EBIT is negative, against interest expense, below 5x.

PE vs Market 1/1

PE (15.0x) is below the market median (19.6x).

PE vs Industry 1/1

PE (15.0x) is below the industry median (21.4x).

PBV 1/1

Price to book (1.6x) is below the industry median (2.6x).

Graham Number 0/1

The price is above the Graham number (PE x PB = 23.8, limit 22.5).

PEG 1/1

PEG on 5-year earnings growth is 0.64, growth is cheap.

Dividend Yield 1/2

Dividend yield (3.2%) is above the bottom 25% of dividend payers in the market.

Dividend Stability 0/2

Dividends were not paid steadily for the past 5 years.

Dividend Growth 0/1

Dividends paid did not grow over the past 5 years.

Payout Ratio 1/1

Payout ratio is 47.7%, covered by earnings.

Each check is worth 1 or 2 points by how much it says about the quality of the company. The score is the share of points earned, out of 5. Ask AI to explain this score

SpareBank 1 SR Bank ASA stock price

Prices on the chart can differ slightly from the closing prices StockSummer uses for its ratios.