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.
Skue Sparebank is a Norwegian savings bank headquartered in Nesbyen, with a history dating back to 1842 when it was established as Nes Prestegjelds Sparebank. It primarily serves the Buskerud region, offering a comprehensive suite of banking and financial services to both personal and corporate customers. Key offerings include loans such as mortgages, construction, consumer, vehicle, and small business financing; savings and retirement accounts; payment services; credit and debit cards; and insurance products covering home, leisure, vehicles, agriculture, travel, and employee needs. The bank also provides investment options, structured products, stock savings, online and mobile banking, pensions, and advisory services. Operating in the regional banks industry within financial services, Skue Sparebank employs around 110-116 staff and maintains a focus on daily banking, borrowing, non-life insurance, and real estate credit. Its model emphasizes community-oriented operations, supporting local individuals, businesses, and agricultural sectors through accessible digital and traditional channels.
NOK 333.40
NOK 0.55 (-0.16%)
Price from 17 days ago
41.58% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue grew 27.8% YoY. However, net income declined 8%, rising credit provisions or expenses may be eating into the top line.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
13.3x 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 754M
▲ +27.8% YoY
Net Income (TTM)
NOK 300M
▼ -7.7% YoY
Net Margin
39.83%
P/E
13.3x
Balance Sheet
Total Assets
NOK 27.81B
Equity
NOK 4.01B
Total Debt
NOK 4.75B
Cash & Equiv.
NOK 100M
3Y CAGR: +20.9%
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At a P/E of 13.3 and a price-to-free-cash-flow of 2.8, Skue Sparebank (SKUE.XOSL) trades below a two-stage DCF intrinsic value of about NOK 5,685.76 per share, so at NOK 333.40 the stock looks undervalued (1,605.4% 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, Skue Sparebank scores 54/100 on Intrinsiqq's quality scorecard (a mixed business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 1.7%; 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 5,685.76 per share for SKUE.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 4,264.32. At today's NOK 333.40, that puts the stock about 1,605.4% 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.
Skue Sparebank scores 54 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a mixed 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, Skue Sparebank pays a regular dividend of about NOK 5.53 per share per year (typically in quarterly installments), a yield of roughly 1.7% at the current price. That is a payout ratio of about 24.8% of earnings, so the dividend is amply covered by earnings. Skue Sparebank has grown the dividend at roughly 56.1% 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 SKUE.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. SKUE.XOSL currently trades below its estimated intrinsic value and scores 54/100 on quality (mixed). It also yields about 1.7%. 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.