SpareBank 1 SMN (MING.OL)
ValueMarkers Composite Index
77% below intrinsic value ($92)
SpareBank 1 SMN (MING.OL) — VMCI valuation read
SpareBank 1 SMN sits at VMCI 65/100, with the broad-market sample median at 50. That 15-point spread is the first thing to note on MING.OL: it tells the reader the composite is favorable before any single ratio is examined, and the mid-cap tier sets the comparison set.
Form 4 disclosures on MING.OL are blank for the trailing 30 days. With the insider channel offline, the EV/EBITDA delta, free-cash-flow trajectory, and the next earnings print do the talking.
**Investor frame.** The Value read on MING.OL: MING.OL trades at 26.0x earnings, 44% above the sector median of 18.0x, with EV/EBITDA at 13.0x against 12.0x. The Quality read: ROIC of 16.0% sits 6.0pp above the sector median (10.0%). The Risk read: net debt to EBITDA of 0.6x leaves covenant headroom, anchoring the bear scenario on a measurable balance-sheet metric.
MING.OL fell 0.5% over the trailing 7 days, with a -9.3% read on a 30-day basis.
SpareBank 1 SMN, together with its subsidiaries, provides various banking, accounting, and real estate products and services to private individuals and companies in Norway and internationally. The company offers mortgage, green, car, boat, other vehicles, and consumer loans, as well as refinancing, as well as savings accounts. It also provides BSU house savings for young people, BSU, and mikrosparing, as well as fixed rate and green deposits, and placement accounts; savings funds; investment solutions, such as share savings accounts, stock trading, and private banking services; and individual pension savings, and pension savings accounts. In addition, the company offers vehicle, housing and travel, person, animal, and valuables insurance services; property buying and selling advisory services; and mobile and online banking, and various debit and credit cards. Further, it offers loans and finances, including bank guarantees, corporate and construction loans, operating credit for agriculture, factoring, invoice sales, leasing, and liquidity loans with government guarantees; various pension products; and business and personal insurance products. Additionally, the company provides services, including accounting and payroll, HR, taxes and duties, and change of ownership, as well as IT solutions. It offers real estate agency, advisory, and external and equity financing services. SpareBank 1 SMN was founded in 1823 and is headquartered in Trondheim, Norway.
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