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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.
The historical rank and industry rank for Sparebank 68 Grader Nord's Intrinsic Value: Projected FCF or its related term are showing as below:
OSL:SB68'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 3.55 Med: 5.18 Max: 7.39
Current: 7.39
During the past 8 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Sparebank 68 Grader Nord was 7.39. The lowest was 3.55. And the median was 5.18.
OSL:SB68's Price-to-Projected-FCF is ranked worse than 99.3% of 1293
companies
in the Banks industry
Industry Median: 0.6
vs OSL:SB68: 7.39
Sparebank 68 Grader Nord (OSL:SB68) 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.
Sparebank 68 Grader Nord's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
215.00
/
29.097683667486
=
7.39
* 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 68 Grader Nord Intrinsic Value: Projected FCF Related Terms
Sparebank 68 Grader Nord Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for Sparebank 68 Grader Nord'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.
Sparebank 68 Grader Nord Intrinsic Value: Projected FCF Chart
Sparebank 68 Grader Nord Intrinsic Value: Projected FCF Competitor Comparison
For the Banks - Regional subindustry, Sparebank 68 Grader Nord'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.
Sparebank 68 Grader Nord Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Sparebank 68 Grader Nord's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Sparebank 68 Grader Nord's Price-to-Projected-FCF falls into.
Sparebank 68 Grader Nord 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.
* 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.
What does a Intrinsic Value: Projected FCF of kr29.10 mean?
Sparebank 68 Grader Nord (OSL:SB68) has a Intrinsic Value: Projected FCF of kr29.10 as of Sep. 01, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Sparebank 68 Grader Nord and its competitors. According to the industry distribution chart, Sparebank 68 Grader Nord ranks #1284 out of 1293 companies in the Banks industry, placing it in the top 99.3%.
Is Sparebank 68 Grader Nord's Intrinsic Value: Projected FCF too high?
Sparebank 68 Grader Nord's current Intrinsic Value: Projected FCF is kr29.10. Based on the distribution chart, Sparebank 68 Grader Nord ranks #1284 out of 1293 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Sparebank 68 Grader Nord has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sparebank 68 Grader Nord's Intrinsic Value: Projected FCF compare to competitors?
According to the Banks industry distribution chart, Sparebank 68 Grader Nord ranks #1284 out of 1293 companies for Intrinsic Value: Projected FCF. This places Sparebank 68 Grader Nord in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.60. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.60, based on 1,293 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Sparebank 68 Grader Nord and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sparebank 68 Grader Nord's current Intrinsic Value: Projected FCF is kr29.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sparebank 68 Grader Nord stock overvalued right now?
Based on GuruFocus' analysis, Sparebank 68 Grader Nord (OSL:SB68) is currently considered Modestly Overvalued. The stock's GF Value™ is kr191.64, compared to a current price of kr215.00 — trading 12.2% above its estimated fair value. The current Intrinsic Value: Projected FCF is kr29.10. Sparebank 68 Grader Nord's overall GF Score™ is 62/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Sparebank 68 Grader Nord (OSL:SB68), the current Intrinsic Value: Projected FCF is kr29.10 as of Sep. 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 68 Grader Nord (OSL:SB68) Overvalued in 2026?
Based on GuruFocus' analysis, Sparebank 68 Grader Nord stock appears to be overvalued.
The current stock price of kr215.00 is trading 12.2% above its estimated GF Value™ of kr191.64.
GuruFocus considers Sparebank 68 Grader Nord to be Modestly Overvalued.
Key valuation signals for OSL:SB68:
Intrinsic Value: Projected FCF: kr29.10
GF Value™: kr191.64 vs. price of kr215.00 (12.2% above fair value)
No single metric tells the full story. See the OSL:SB68 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sparebank 68 Grader Nord is a local savings bank, focused on retail banking and insurance products and services. The range of products offered includes current accounts, payment cards, savings accounts, consumer loans, car loans, and mortgage loans.
62GF Score
Get the complete analysis for OSL:SB68
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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