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Sparebank 1 Nordvest (SNOR) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of Sparebank 1 Nordvest NOK 365, price NOK 183, upside +100.0%, quality 55 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

Fair value above price? Yes
Good quality? Yes
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Financial Services · NO · ISIN NO0010691660

S1 Broad data Sep 24, 2026

Sparebank 1 Nordvest

SNOR · OL

Clearly undervaluedStrong Fair Value upside, but quality is only moderate.

✓Fair value kr 365.08 · Strongly undervalued (+100%)

!Quality 55/100

!Mixed Growth (revenue 5y +20.9 %/yr)

✓Highly profitable · 45.8% net margin (TTM)

✓Low debt · generates free cash flow

·6.03% dividend yield

✓Ranks above peers (12/14)

✓Wide moat 69/100

!Insider activity 48/100

26 models, one by oneBear kr 330.90 to bull kr 517.83 Growth analysisrevenue history, year by year Quality 55/100 in detail37 factors, each one shown Compared with its peersrank on every measure, side by side

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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

60‑month range kr 93.43 – kr 201.15 · fair‑value band kr 330.90 – kr 517.83 · the kr 182.54 price screens below the kr 365.08 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

SpareBank 1 Nordmøre provides various banking products and services for businesses and individuals in Norway. It operates through Retail Market and Corporate Market segments. The company offers financing, leasing, payment processing, and consulting services; and accounting services, including agricultural accounting. It also provides usage, current, buffer, savings, deposit, business, currency, group, and investment accounts; fixed-rate deposits; mobile and online banking; bank and credit cards; savings products, including savings in funds, savings on account, stocks and investments, and savings for children and retirement; pension savings accounts and tax-advantaged retirement savings; mandatory occupational pensions; and cash services. In addition, the company offers mortgage loans for housing, cottages, and construction projects; car loans for new and used cars; loan transfers; proof of financing; consumer loans; refinancing of mortgages and consumer debt; vehicle loans for boats, caravans, and other vehicles; green loans; business loans; overdrafts; bank guarantees; construction loans; growth guarantee schemes; agricultural operating credit; and factoring. Further, it provides car, housing, person, animal, vehicle, travel, valuable item, vehicle and machine, building and value, employee/personnel, and agriculture insurance; property brokerage and valuation; payroll payment and reporting; business counseling; and investment in funds and shares. The company was formerly known as Sparebank 1 Nordvest and changed its name to SpareBank 1 Nordmøre in May 2021. The company was founded in 1835 and is based in Kristiansund, Norway.

Stock analysis

Sparebank 1 Nordvest (SNOR) currently trades at kr 182.54, while our model-based Fair Value estimate is kr 365.08, implying the stock looks roughly 50.0% undervalued today.

Valuation

Bull case: the Multiples group reads highest at a median of kr 711.80 per share, and 4 of the 6 models we run sit above the kr 182.54 price.

Bear case: the Dividend Discount group reads lowest at kr 94.09, and 2 of the 6 models stay below the price. Evidence for this calculation is high.

Scenario range: kr 330.90 (bear) to kr 517.83 (bull), the price of kr 182.54 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 55/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Sparebank 1 Nordvest reported revenue of 1.0B NOK in FY2025 versus 588M NOK in FY2021, a compound +15.6%/yr. Reported net income was 502M NOK in FY2025, compounding +37.1%/yr from FY2021.

Key figures

Market cap 1.7B NOK (≈ $174M) · P/E ratio 10.1 · P/S ratio 4.82 · EPS (TTM) kr 18.12 · Dividend yield 6.0% · Net margin 47.9% · Return on equity 11.2% · Return on assets (EBIT) 1.4%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 51 out of 100 (low confidence).

What moves the price

The share trades about 9% below its 52-week high and 16% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at 100%, SNOR screens cheaper than that median.

Fair Value models

Bear kr 330.90 Fair Value kr 365.08 Bull kr 517.83

Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (kr 5.23 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.

Highest evidence

Residual Income kr 409.03 kr 442.38 kr 515.55 76

Gordon GGM kr 59.23 kr 99.20 kr 128.76 68

DDM Multi-Stage kr 59.23 kr 94.09 kr 106.73 67

All 6 models by family

Dividend Discount

Gordon GGM kr 59.23 kr 99.20 kr 128.76 68

DDM Multi-Stage kr 59.23 kr 94.09 kr 106.73 67

Multiples

P/E Multiple kr 540.51 kr 720.68 kr 900.85 63

P/B Multiple kr 533.85 kr 711.80 kr 889.75 55

Asset-Based

NCAV (Graham) kr 254.21 kr 340.65 kr 508.43 54

Economic Profit

Residual Income kr 409.03 kr 442.38 kr 515.55 76

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Quality Score breakdown

Overall quality 55/100

Of which business quality 46 · Market factors (momentum, volatility) 62

Profitability 36

Margins and returns on capital today

Quality Growth 47

Are margins and returns improving?

Cashflow 68

Earnings quality: real cash, not paper profit

Fin. Strength 1

Balance sheet, leverage, solvency risk

Investment 62

Disciplined investing over empire-building

Low Volatility 92

Calm price path (market factor)

Momentum 47

Price trend over the last 3–12 months (market factor)

52W Momentum 52

Distance to the 52-week high (market factor)

Net Issuance 82

Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 95/100

Revenue is growing, but margins or cash flow do not fully confirm the trend.

Revenue growth 1 year

+3.7%

Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+10.1%

Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+20.9%

Start year 2020 (pandemic). Over 10 years: +11.9% a year

Revenue growth 16 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+8.7%

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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: EBIT basis.

≈ +6.7%

Earnings growth per share plus dividend.

Earnings per share, growth per year+0.7%

Dividend (yield on the price)6.0%

Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−3% vs −7%, picking up

Profit margin 2014 to 2019 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.42% → 54%

Start year 2020 (pandemic)

⚠ Revenue per share shrinking 8.9%/yr over ~10Y (margin trend unclear) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.

⚠ Rate on operating basis: 2025 sits 52% above its own trend.

Growth Forecast

Little optimism in the price

The price assumes less growth than the company has delivered so far.

What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).

−7.0%

Yearly growth needed for the next five years to justify today's price.

What forecasts expect

n/a

No analyst forecast available.

After inflation (Norway: IMF forecast 2.4% a year to 2030, 3.3% from 2016 to 2025) that is about −9.2% a year for the price.

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1074 stocks

Beats the industry median on 11/13 measures

Overall it ranks above its industry peers.

Valuation

Quality Score 51 · Below median

Fair Value upside +100% · Top 25%

Profitability

Return on equity (TTM) 11% · Above median

Return on assets 2% · Top 25%

Net margin (TTM) 46% · Top 25%

Operating margin (TTM) 46% · Above median

Growth and dividend

Revenue growth 0% · Bottom 25%

Dividend yield (TTM) 6.0% · Top 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 10.1× · Cheaper than median

P/B 0.36× · Cheapest 25%

P/S (TTM) 1.53× · Cheapest 25%

P/FCF 0.6× · Cheapest 25%

EV/EBITDA 4.5× · Cheapest 25%

Strength profile in five axes (Snowflake)

This stock

Sector peers

VALUE (fair-value potential)100 · sector 11

FUTURE (revenue growth)0 · sector 45

PAST (return on equity)45 · sector 41

HEALTH (low debt)100 · sector 85

DIVIDEND (yield)100 · sector 53

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

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DBS Group D05	77.69 SGD	40.48 SGD	−48%
China Merchants Bank Co 3968	HK$51.25	HK$62.30	+22%
Intesa Sanpaolo S.p.A ISP	€6.73	€4.04	−40%
HDFC Bank Limited HDFCBANK	₹737.25	₹406.85	−45%
BNP Paribas SA BNP	€101.30	€105.99	+5%
UniCredit S.p.A UCG	€83.28	€77.62	−7%
Mizuho Financial Group MFG	$10.87	$6.75	−38%
ICICI Bank Limited ICICIBANK	₹1,340	₹616.16	−54%
The PNC Financial Services Group PNC	$227.96	$159.52	−30%
Oversea-Chinese Banking Corporation O39	32.14 SGD	19.80 SGD	−38%

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Sparebank 1 Nordvest · Fair Value
kr 365.08 +50%Fair Value
Calculator →

<a href="https://www.fairvalue-calculator.com/stock/SNOR" target="_blank" rel="nofollow noopener" style="display:inline-flex;align-items:center;gap:12px;box-sizing:border-box;font-family:system-ui,-apple-system,Segoe UI,Roboto,sans-serif;text-decoration:none;background:#0f1814;color:#eaf2ed;border:1px solid #2a3a30;border-radius:12px;padding:12px 16px;max-width:360px"><span style="line-height:1.35"><span style="font-size:12px;color:#9fb0a8">Sparebank 1 Nordvest · Fair Value</span><br><b style="font-size:20px">kr 365.08</b> <span style="color:var(--fvc-g-mitte);font-weight:700;font-size:14px">+50%</span></span><span style="font-size:11px;color:var(--fvc-g-mitte);font-weight:700;margin-left:auto;text-align:right;line-height:1.3">Fair&nbsp;Value<br>Calculator&nbsp;→</span></a>

Cite: Fair Value Calculator (2026). "Sparebank 1 Nordvest Fair Value". https://www.fairvalue-calculator.com/stock/SNOR

Frequently asked questions

Is Sparebank 1 Nordvest (SNOR) overvalued or undervalued?

As of Sep 24, 2026, our model estimates a fair value of kr 365.08 versus a price of kr 182.54, about +100% upside (undervalued).

What is the fair value of SNOR?

Our model-based fair value for Sparebank 1 Nordvest is kr 365.08 (as of Sep 24, 2026), built from audited fundamentals. The current price: kr 182.54.

What is the quality score of SNOR?

Sparebank 1 Nordvest has a Quality Score of 55/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.

What is the price target for Sparebank 1 Nordvest (SNOR)?

Our model-based price target is the fair value of kr 365.08 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario kr 330.90, optimistic scenario kr 517.83. It is a calculation from audited fundamentals, not an analyst target.

What is the Sparebank 1 Nordvest stock forecast for 2026?

Our models put fair value at kr 365.08, about +100% upside versus a price of kr 182.54 (undervalued). Cautious scenario kr 330.90, optimistic scenario kr 517.83. The calculation is refreshed regularly with new filings.

What is the revenue of Sparebank 1 Nordvest (SNOR)?

Sparebank 1 Nordvest reported trailing-twelve-month revenue of about 1.1B NOK (latest available figure, as of Sep 24, 2026).

Does Sparebank 1 Nordvest pay a dividend?

Sparebank 1 Nordvest currently shows a dividend yield of about 6.03% relative to its recent price (as of Sep 24, 2026).

What growth is priced into Sparebank 1 Nordvest (SNOR)?

For today's price to be fair in a discounted-cash-flow model, Sparebank 1 Nordvest would have to grow free cash flow by -7.0 % per year for five years (discount rate 11.0 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +20.9 % per year. As of Sep 24, 2026.

What discount rate (WACC) does the fair value of SNOR use?

Our models discount Sparebank 1 Nordvest at 11.0 %: a base by market capitalisation (micro), damped by beta 0.16, country premium for Norway. The same rate applies in all 26 models.

What is a reverse DCF?

A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Sparebank 1 Nordvest that is -7.0 % per year a year over ten years, using the same discount rate (11.0 %) and the same formula as our fair value.

How much growth has Sparebank 1 Nordvest (SNOR) delivered so far?

Over the past 5 years revenue at Sparebank 1 Nordvest grew +20.9 % a year. The price currently implies -7.0 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.

How fast is the sector of Sparebank 1 Nordvest (SNOR) growing?

The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Sparebank 1 Nordvest (-7.0 % per year a year): it shows whether the expectation is within the usual range or beyond it.

What is the free cash flow yield of Sparebank 1 Nordvest (SNOR)?

The free-cash-flow yield on the price is 17.05 %: that much free cash flow Sparebank 1 Nordvest produces per unit of market value. When it exceeds the discount rate of our models (11.0 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.

What is the intrinsic value of Sparebank 1 Nordvest (SNOR)?

Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Sparebank 1 Nordvest it is kr 365.08 per share (as of Sep 24, 2026), against a price of kr 182.54. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).

Is Sparebank 1 Nordvest stock overvalued or undervalued in 2026?

As of Sep 24, 2026, SNOR trades below its calculated fair value: price kr 182.54, fair value kr 365.08, a gap of about +100% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.

Is fair value the same as the market price of SNOR?

No. The price is what the market pays today (kr 182.54); the fair value is what the company's own numbers justify (kr 365.08). For Sparebank 1 Nordvest the two are kr 182.54 per share apart. That gap is exactly why we show both numbers side by side.

How much is Sparebank 1 Nordvest worth?

The market values Sparebank 1 Nordvest at about 1.7B NOK (market capitalisation, as of Sep 24, 2026). Per share that is kr 182.54; our models calculate a fair value of kr 365.08 per share.

What do the bullish and bearish scenarios say about SNOR?

Our models span a range for Sparebank 1 Nordvest: cautious scenario kr 330.90, base kr 365.08, optimistic kr 517.83 per share (as of Sep 24, 2026, price kr 182.54). The range comes from different growth and margin assumptions, not from analyst opinions.

What is the P/E ratio of SNOR?

Sparebank 1 Nordvest trades at a price-to-earnings ratio of 10.1 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of kr 365.08 is built from several models across several years. Other multiples: P/B 0.4, P/S 1.5, EV/EBITDA 4.5.

How solid is the balance sheet of Sparebank 1 Nordvest (SNOR)?

Balance-sheet figures for Sparebank 1 Nordvest (as of Sep 24, 2026): return on equity 11.2%. They feed the Quality Score of 55/100, which measures business quality independently of the share price.

How far is SNOR from its 52-week high?

Sparebank 1 Nordvest trades at kr 182.54, about 9% below its 52-week high of kr 201.15 and 16% above the low of kr 157.38 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of kr 365.08 is for.

Which stocks are comparable to Sparebank 1 Nordvest?

From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.

Is Sparebank 1 Nordvest stock attractive at the current price?

The data as of Sep 24, 2026: price kr 182.54, calculated fair value kr 365.08 (+100%), Quality Score 55/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.

How is the fair value of SNOR calculated?

We run Sparebank 1 Nordvest through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of kr 365.08, with the spread shown as a cautious and an optimistic scenario.

Is it still worth investing in stocks now?

The global stock market currently sits 14.1 % above its aggregate fair value. Sparebank 1 Nordvest currently trades 100 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.

What is the share price of Sparebank 1 Nordvest (SNOR)?

The closing price on Sep 23, 2026 was kr 182.54. Our model-based fair value is kr 365.08, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.

What should I pay attention to with Sparebank 1 Nordvest right now?

The price is below even our cautious bear case (kr 330.90). The market is more pessimistic than our downside scenario. Solid quality (55/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Sparebank 1 Nordvest

How large is the market capitalisation of Sparebank 1 Nordvest (SNOR)?

The market capitalisation of Sparebank 1 Nordvest is 1.7B NOK (≈ $174M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.

What is the P/S ratio of Sparebank 1 Nordvest (SNOR)?

The price-to-sales ratio of Sparebank 1 Nordvest is 4.82 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.

What are the earnings per share of Sparebank 1 Nordvest (SNOR)?

Earnings per share at Sparebank 1 Nordvest are kr 18.12 (price ÷ EPS = P/E 10.1). Earnings per share over the last twelve months: total profit spread across every single share.

What is the dividend yield of Sparebank 1 Nordvest (SNOR)?

The dividend yield of Sparebank 1 Nordvest is 6.0% (payout 60.7%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.

What is the net margin of Sparebank 1 Nordvest (SNOR)?

The net margin of Sparebank 1 Nordvest is 47.9% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.

What is the return on equity of Sparebank 1 Nordvest (SNOR)?

The return on equity (ROE) of Sparebank 1 Nordvest is 11.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.

What is the EBIT return on assets of Sparebank 1 Nordvest (SNOR)?

On an EBIT basis the return on assets of Sparebank 1 Nordvest is 1.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.

What is the operating margin of Sparebank 1 Nordvest (SNOR)?

The operating margin of Sparebank 1 Nordvest is 46.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.

How fast are earnings growing at Sparebank 1 Nordvest (SNOR)?

Earnings per share at Sparebank 1 Nordvest are growing −17.9% versus a year earlier. How much earnings per share grew versus a year earlier.

How much net debt does Sparebank 1 Nordvest (SNOR) carry?

The net debt of Sparebank 1 Nordvest is 6.5B NOK (fiscal year 2025, ≈ 23.1 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.

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