Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Pareto Bank ASA is a commercial bank headquartered in Oslo, Norway, specializing in financial services for medium-sized enterprises and select retail customers. Established in 2007, it provides a range of products including deposit acceptance for companies and individuals, alongside specialized financing solutions such as acquisition, recapitalization, bridging, and working capital loans. The bank focuses on three core areas: real estate financing, which covers property development projects, construction loans, commercial property mortgages, and rehabilitation financing primarily in Oslo and Southeast Norway; corporate financing for owners, investors, and businesses; and shipping and offshore project funding. Complementing these, Pareto Bank ASA offers standard banking services like payment processing, credit cards, and online banking. Operating within the regional banks industry under financial services, it maintains a lean structure with around 66 employees and emphasizes tailored solutions for its niche markets, contributing to Norway's specialized lending landscape.
NOK 70.00
+NOK 2.00 (+2.94%)
Live · 05:22 PM
52.16% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue growth slowed to 3.4%, essentially flat. This is a business that needs a catalyst.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
10.3x earnings. In line with financial-sector norms. The question is whether the current credit environment supports sustained earnings at this level.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
NOK 1.27B
▲ +3.4% YoY
Net Income (TTM)
NOK 574M
▼ -1.7% YoY
Net Margin
45.07%
P/E
10.3x
Balance Sheet
Total Assets
NOK 25.34B
Equity
NOK 5.74B
Total Debt
NOK 7.48B
Cash & Equiv.
NOK 78M
3Y CAGR: +10.4%
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At a P/E of 10.3 and a price-to-free-cash-flow of 8.1, Pareto Bank ASA (PARB.XOSL) trades below a two-stage DCF intrinsic value of about NOK 339.77 per share, so at NOK 70.00 the stock looks undervalued (385.4% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Pareto Bank ASA scores 66/100 on Intrinsiqq's quality scorecard (a solid business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 5.9%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about NOK 339.77 per share for PARB.XOSL, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around NOK 254.83. At today's NOK 70.00, that puts the stock about 385.4% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Pareto Bank ASA scores 66 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a solid business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Pareto Bank ASA pays a regular dividend of about NOK 4.16 per share per year (typically in quarterly installments), a yield of roughly 5.9% at the current price. That is a payout ratio of about 55.5% of earnings, so the dividend is well covered. Pareto Bank ASA has grown the dividend at roughly 11.0% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For PARB.XOSL's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. PARB.XOSL currently trades below its estimated intrinsic value and scores 66/100 on quality (solid). It also yields about 5.9%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.