SpareBank 1 Nordmore (OSL:SNOR) FCF Margin %: -26.84% (As of Mar. 2026)


OSL:SNOR SpareBank 1 Nordmore OSL:SNOR
56 GF Score
Price kr178.86
GF Value kr155.09
Valuation Modestly Overvalued
! 3 Warning Signs
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What is SpareBank 1 Nordmore FCF Margin %?

SpareBank 1 Nordmore OSL:SNOR -1.73% 56 FCF Margin % is -26.84% as of Mar. 2026. GuruFocus rates OSL:SNOR with a GF Score™ of 56/100 and a GF Value™ of kr155.09 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,505 Banks companies, SpareBank 1 Nordmore ranks worse than 70.5% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. SpareBank 1 Nordmore's Free Cash Flow for the three months ended in Mar. 2026 was kr-62 Mil. SpareBank 1 Nordmore's Revenue for the three months ended in Mar. 2026 was kr231 Mil. Therefore, SpareBank 1 Nordmore's FCF Margin % for the quarter that ended in Mar. 2026 was -26.84%.

As of today, SpareBank 1 Nordmore's current FCF Yield % is 3.46%.

The historical rank and industry rank for SpareBank 1 Nordmore's FCF Margin % or its related term are showing as below:

OSL:SNOR' s FCF Margin % Range Over the Past 10 Years
Min: -255.27   Med: 12.19   Max: 80.84
Current: 5.36


During the past 13 years, the highest FCF Margin % of SpareBank 1 Nordmore was 80.84%. The lowest was -255.27%. And the median was 12.19%.

OSL:SNOR's FCF Margin % is ranked worse than
70.5% of 1505 companies
in the Banks industry
Industry Median: 26.42 vs OSL:SNOR: 5.36


SpareBank 1 Nordmore FCF Margin % Related Terms


SpareBank 1 Nordmore FCF Margin % Historical Data

* Premium members only.

The historical data trend for SpareBank 1 Nordmore's FCF Margin % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

SpareBank 1 Nordmore FCF Margin % Chart

SpareBank 1 Nordmore Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -255.27 -16.16 33.56 -41.65 24.59

SpareBank 1 Nordmore Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
FCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 110.21 243.46 -202.68 -39.84 -26.84

SpareBank 1 Nordmore FCF Margin % Competitor Comparison

For the Banks - Regional subindustry, SpareBank 1 Nordmore's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


SpareBank 1 Nordmore FCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, SpareBank 1 Nordmore's FCF Margin % distribution charts can be found below:

* The bar in red indicates where SpareBank 1 Nordmore's FCF Margin % falls into.


OSL:SNOR
56GF Score
SpareBank 1 Nordmore OSL:SNOR
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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SpareBank 1 Nordmore FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

SpareBank 1 Nordmore's FCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=257/1045
=24.59 %

SpareBank 1 Nordmore's FCF Margin for the quarter that ended in Mar. 2026 is calculated as

FCF Margin=Free Cash Flow (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=-62/231
=-26.84 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about FCF Margin % →
What does a FCF Margin % of -26.84% mean?
SpareBank 1 Nordmore (OSL:SNOR) has a FCF Margin % of -26.84% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on SpareBank 1 Nordmore and its competitors. According to the industry distribution chart, SpareBank 1 Nordmore ranks #1061 out of 1505 companies in the Banks industry, placing it in the top 70.5%.
Is SpareBank 1 Nordmore's FCF Margin % too high?
SpareBank 1 Nordmore's current FCF Margin % is -26.84%. Based on the distribution chart, SpareBank 1 Nordmore ranks #1061 out of 1505 companies in the Banks industry, which is below the industry midpoint. Overall, SpareBank 1 Nordmore has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SpareBank 1 Nordmore's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, SpareBank 1 Nordmore ranks #1061 out of 1505 companies for FCF Margin %. This places SpareBank 1 Nordmore in the lower half of its industry. The industry median FCF Margin % is 26.42. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on SpareBank 1 Nordmore and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SpareBank 1 Nordmore's current FCF Margin % is -26.84%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SpareBank 1 Nordmore stock overvalued right now?
Based on GuruFocus' analysis, SpareBank 1 Nordmore (OSL:SNOR) is currently considered Modestly Overvalued. The stock's GF Value™ is kr155.09, compared to a current price of kr178.86 — trading 15.3% above its estimated fair value. The current FCF Margin % is -26.84%. SpareBank 1 Nordmore's overall GF Score™ is 56/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For SpareBank 1 Nordmore (OSL:SNOR), the current FCF Margin % is -26.84% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is SpareBank 1 Nordmore (OSL:SNOR) Overvalued in 2026?

Based on GuruFocus' analysis, SpareBank 1 Nordmore stock appears to be overvalued. The current stock price of kr178.86 is trading 15.3% above its estimated GF Value™ of kr155.09. GuruFocus considers SpareBank 1 Nordmore to be Modestly Overvalued.

Key valuation signals for OSL:SNOR:

  • FCF Margin %: -26.84%
  • GF Value™: kr155.09 vs. price of kr178.86 (15.3% above fair value)
  • GF Score™: 56/100 with 3 warning signs

No single metric tells the full story. See the OSL:SNOR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


SpareBank 1 Nordmore Business Description

Address Hammersborggata 11, Oslo, NOR, 0179
SpareBank 1 Nordmore, formerly Sparebank 1 Nordvest is an independent and local bank in More og Romsdal. The company offers banking products and services including Private online banking Online banking business, Insurance, and Pension. It has one segment, which is lending to finance commercial property, including lending that represents the joint debt in a condominium or housing association.
56GF Score

Get the complete analysis for OSL:SNOR

FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

kr178.86
Price
kr155.09
GF Value