SpareBank 1 SMN has the GF Score of 70, which implies that the company
might have
Poor future performance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes SpareBank 1 SMN
might have
Poor future performance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
SpareBank 1 SMN (OSL:MING) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
SpareBank 1 SMN GF Score Related Terms
SpareBank 1 SMN GF Score Competitor Comparison
For the Banks - Regional subindustry, SpareBank 1 SMN's GF Score, along with its competitors' market caps and GF Score 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 SMN GF Score vs Banks Industry
For the Banks industry and Financial Services sector, SpareBank 1 SMN's GF Score distribution charts can be found below:
* The bar in red indicates where SpareBank 1 SMN's GF Score falls into.
SpareBank 1 SMN (OSL:MING) has a GF Score of 70 as of Jul. 01, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on SpareBank 1 SMN and its competitors. This is 14% below median its historical median of 81.00. Over the past decade, SpareBank 1 SMN's GF Score has ranged from 28.00 to 92.00.
Is SpareBank 1 SMN's GF Score too high?
SpareBank 1 SMN's current GF Score of 70 is 14% below median its 10-year median of 81.00. Over the past 10 years, this metric has ranged from a low of 28.00 to a high of 92.00. Overall, SpareBank 1 SMN has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SpareBank 1 SMN's GF Score compare to competitors?
SpareBank 1 SMN's GF Score of 70 can be compared against companies in the Banks industry. Historically, SpareBank 1 SMN's own GF Score has ranged from 28.00 to 92.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on SpareBank 1 SMN and its competitors. SpareBank 1 SMN's current GF Score is 70, which is 14% below median its own 10-year median of 81.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SpareBank 1 SMN stock overvalued right now?
Based on GuruFocus' analysis, SpareBank 1 SMN (OSL:MING) is currently considered Fairly Valued. The stock's GF Value™ is kr183.43, compared to a current price of kr188.00 — trading 2.5% above its estimated fair value. The current GF Score is 70, which is 14% below median its 10-year median of 81.00. SpareBank 1 SMN's overall GF Score™ is 70/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For SpareBank 1 SMN (OSL:MING), the current GF Score is 70 as of Jul. 01, 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 SMN (OSL:MING) Overvalued in 2026?
Based on GuruFocus' analysis, SpareBank 1 SMN stock appears to be overvalued.
The current stock price of kr188.00 is trading 2.5% above its estimated GF Value™ of kr183.43.
GuruFocus considers SpareBank 1 SMN to be Fairly Valued.
Key valuation signals for OSL:MING:
GF Score: 70 (14% below median its 10-year median of 81.00)
GF Value™: kr183.43 vs. price of kr188.00 (2.5% above fair value)
No single metric tells the full story. See the OSL:MING stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SpareBank 1 SMN is a regional bank offering retail and corporate banking services and principally operating in Norway. The bank is among the owners of the SpareBank 1 Alliance. The services and products of the bank serves real estate, construction, sea farming, agriculture, fisheries, shipbuilding, offshore, and retail industries as well as the public and energy sectors. The bank's income is split nearly evenly between net interest income and net fees and commission income. The company has Retail Banking and Corporate Banking as its reportable segment.
70GF Score
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