Spar Nord Bank AS SPNO

Morningstar Rating
DKK 127.80 −1.20 (0.93%)
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About Quantitative Ratings

Morningstar Quantitative Ratings for Stocks are generated using an algorithm that compares companies that are not under analyst coverage to peer companies that do receive analyst-driven ratings. Companies with quantitative ratings are not formally covered by a Morningstar analyst, but are statistically matched to analyst-rated companies, allowing our models to calculate a quantitative moat, fair value, and uncertainty rating.

Price vs Fair Value

SPNO is trading at a 245% premium.
Price
DKK 127.90
Fair Value
DKK 155.40
Uncertainty
High
1-Star Price
DKK 548.50
5-Star Price
DKK 12.63
Economic Moat
Cjmz
Capital Allocation

Trading Information

Previous Close Price
DKK 129.00
Day Range
DKK 127.40129.00
52-Week Range
DKK 100.10143.00
Bid/Ask
DKK 128.00 / DKK 128.20
Market Cap
DKK 14.73 Bil
Volume/Avg
61,340 / 65,130

Key Statistics

Price/Earnings (Normalized)
6.21
Price/Sales
2.65
Dividend Yield (Trailing)
7.82%
Dividend Yield (Forward)
7.82%
Total Yield
10.12%

Company Profile

Spar Nord Bank AS is a retail bank operating in Denmark. About half of the bank's presence is in North Jutland. The company mostly grew outside its home base via mergers and acquisitions. It caters to common households and local small and medium-sized enterprises. The company's strategy emphasizes personalization and financial technology. Most of the bank's income is net interest income, followed by net fees, charges, and commissions. The majority of the bank's loan portfolio is business lending. The bank's business loan portfolio is diversified among several industries, Most notably financial services, real estate, trade, and agriculture, hunting, and forestry.
Sector
Financial Services
Industry
Banks - Regional
Stock Style Box
Small Value
Total Number of Employees
1,724

Comparables

Valuation

Metric
SPNO
LASP
SYDB
Price/Earnings (Normalized)
6.214.845.44
Price/Book Value
1.180.781.23
Price/Sales
2.651.442.33
Price/Cash Flow
5.104.094.54
Price/Earnings
SPNO
LASP
SYDB

Financial Strength

Metric
SPNO
LASP
SYDB
Quick Ratio
Current Ratio
Interest Coverage
Quick Ratio
No chart available

Profitability

Metric
SPNO
LASP
SYDB
Return on Assets (Normalized)
1.84%1.46%1.89%
Return on Equity (Normalized)
19.84%17.11%24.27%
Return on Invested Capital (Normalized)
Return on Assets
SPNO
LASP
SYDB

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