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Spar Nord Bank AS (CHIX:SPNOC) Intrinsic Value: Projected FCF : kr3.42 (As of Jun. 12, 2025)


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What is Spar Nord Bank AS Intrinsic Value: Projected FCF?

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.

As of today (2025-06-12), Spar Nord Bank AS's Intrinsic Value: Projected FCF is kr3.42. The stock price of Spar Nord Bank AS is kr209.00. Therefore, Spar Nord Bank AS's Price-to-Intrinsic-Value-Projected-FCF of today is 61.1.

The historical rank and industry rank for Spar Nord Bank AS's Intrinsic Value: Projected FCF or its related term are showing as below:

CHIX:SPNOc' s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.39   Med: 0.72   Max: 522.5
Current: 61.11

During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Spar Nord Bank AS was 522.50. The lowest was 0.39. And the median was 0.72.

CHIX:SPNOc's Price-to-Projected-FCF is ranked worse than
99.62% of 1310 companies
in the Banks industry
Industry Median: 0.5 vs CHIX:SPNOc: 61.11

Spar Nord Bank AS Intrinsic Value: Projected FCF Historical Data

The historical data trend for Spar Nord Bank AS's Intrinsic Value: Projected FCF 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.

* Premium members only.

Spar Nord Bank AS Intrinsic Value: Projected FCF Chart

Spar Nord Bank AS Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Intrinsic Value: Projected FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 53.30 0.15 24.89 -55.07 -18.00

Spar Nord Bank AS Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Intrinsic Value: Projected FCF 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 -39.22 12.36 -35.80 -18.00 3.43

Competitive Comparison of Spar Nord Bank AS's Intrinsic Value: Projected FCF

For the Banks - Regional subindustry, Spar Nord Bank AS's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF 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.


Spar Nord Bank AS's Price-to-Projected-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Spar Nord Bank AS's Price-to-Projected-FCF distribution charts can be found below:

* The bar in red indicates where Spar Nord Bank AS's Price-to-Projected-FCF falls into.


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Spar Nord Bank AS Intrinsic Value: Projected FCF Calculation

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.

The details of how we calculate the intrinsic value of stocks are described in detail here.

This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + 0.8 * Total Stockholders Equity (most recent) ) / Shares Outstanding (Diluted Average)

In the case of negative Total Stockholders Equity, the following formula is used (see Explanation section below for the reason):

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + Total Stockholders Equity (most recent) / 0.8 ) / Shares Outstanding (Diluted Average)


Add all the Free Cash Flow together and divide 6 will get Spar Nord Bank AS's Free Cash Flow(6 year avg) = kr-791.52.

Spar Nord Bank AS's Intrinsic Value: Projected FCF for today is calculated as

Intrinsic Value: Projected FCF=(Growth Multiple*Free Cash Flow (6 year avg)+Total Stockholders Equity (Mar25)*0.8)/Shares Outstanding (Diluted Average)
=(14.862653310476*-791.52+15192*0.8)/114.048
=3.42

* 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.


Spar Nord Bank AS  (CHIX:SPNOc) Intrinsic Value: Projected FCF Explanation

The growth multiple is capped between 8.35 and 17.74.

Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.

Spar Nord Bank AS's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as

Price-to-Intrinsic-Value-Projected-FCF=Share Price/Intrinsic Value: Projected FCF
=209.00/3.4153396086922
=61.19

* 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.


Spar Nord Bank AS Intrinsic Value: Projected FCF Related Terms

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Spar Nord Bank AS Business Description

Industry
Traded in Other Exchanges
Address
Skelagervej 15, Aalborg, DNK, 9100
Spar Nord Bank AS is a retail bank operating in Denmark. About half of the bank's presence is in North Jutland. The company mostly grew outside its home base via mergers and acquisitions. It caters to common households and local small and medium-sized enterprises. The company's pioneers emphasizes personalization and financial technology. Almost all of the bank's income is net interest income, followed by net fees, charges, and commissions. The majority of the bank's loan portfolio is business lending. The bank's business loan portfolio is diversified among several industries, notably financial services, real estate, trade, and agriculture, hunting, and forestry.

Spar Nord Bank AS Headlines

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