Sparebanken Norge (OSL:SBNOR) Altman Z-Score

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

OSL:SBNOR Sparebanken Norge OSL:SBNOR
70 GF Score
Price kr193.84
GF Value kr165.30
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Sparebanken Norge Altman Z-Score?

The Altman Z-Score is a model designed to predict the likelihood of a company going bankrupt within the next two years. Created by American finance professor Edward Altman in 1968, the model is specifically designed for publicly traded manufacturing companies with assets greater than $1 million.

Altman Z-Score does not apply to banks and insurance companies.

OSL:SBNOR
70GF Score
Sparebanken Norge OSL:SBNOR
Altman Z-Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Sparebanken Norge (OSL:SBNOR) Overvalued in 2026?

Based on GuruFocus' analysis, Sparebanken Norge stock appears to be overvalued. The current stock price of kr193.84 is trading 17.3% above its estimated GF Value™ of kr165.30. GuruFocus considers Sparebanken Norge to be Modestly Overvalued.

Key valuation signals for OSL:SBNOR:

  • Altman Z-Score:
  • GF Value™: kr165.30 vs. price of kr193.84 (17.3% above fair value)
  • GF Score™: 70/100 with 7 warning signs

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


Sparebanken Norge Business Description

Address Jonsvollsgaten 2, Bergen, NOR, 5011
Sparebanken Norge is a financial services company engaged in providing banking services. In addition, the Group delivers a wide range of banking services across savings, investments, payments, and insurance, as well as digital self-service solutions and personal advisory services, both in person and online. The group operates in five reportable segments: Corporate Market, Retail Market, Bulder, Estate Agency, and Brage Finans. The majority of its revenue is generated from the Retail market segment.
70GF Score

Get the complete analysis for OSL:SBNOR

Altman Z-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

kr193.84
Price
kr165.30
GF Value