Sparebanken Sør (SOR.OL)
ValueMarkers Composite Index
85% below intrinsic value ($135)
Sparebanken Sør (SOR.OL) — VMCI valuation read
Across 120 indicators, Sparebanken Sør (SOR.OL) lands at VMCI 66/100. The broad-market sample median is 50, so the 16-point above-median read is the active comparison. Pillar weighting on the score: Value 35%, Quality 30%, Integrity 15%, Growth 12%, Risk 8%.
No material Form 4 disclosures landed on SOR.OL in the past 30 days. Quiet insider tape removes one signal source; the active reads stay with the trailing-twelve-month financials and the next 10-Q.
**Investor frame.** On Value, SOR.OL trades at 17.0x earnings, 6% below the sector median of 18.0x; the EV/EBITDA delta of -2.0x reinforces that single line. On Quality, ROIC of 17.0% sits 7.0pp above the sector median (10.0%). On Risk, net debt to EBITDA of -0.4x leaves covenant headroom for SOR.OL on the trailing balance sheet.
SOR.OL fell 0.1% over the trailing 7 days, with a -22.6% read on a 30-day basis.
Sparebanken Sør operates as an independent financial institution in Norway. It operates through two segments, Retail Market and Corporate Market. The company is involved in banking, securities trading, and real estate brokerage activities in Agder, Rogaland, Vestfold, and Telemark. It also provides leasing, mortgage, and property management services; and sells general insurance, occupational pension, and group life insurance products. It conducts banking operations in 35 locations and real estate services in 18 locations. The company was founded in 1824 and is headquartered in Kristiansand, Norway. Sparebanken Sør operates as a subsidiary of Sparebankstiftelsen Sparebanken Sør.
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