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SpareBank 1 SMN
SRMGFFinancial ServicesOTCNO
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $16.33B | 26.2% | $4.28B | $9.80B | N/A |
| 2027 | $16.77B | 26.2% | $4.39B | $10.06B | $9.15B |
| 2028 | $17.22B | 26.2% | $4.51B | $10.33B | $8.54B |
| 2029 | $17.69B | 26.2% | $4.63B | $10.61B | $7.97B |
| 2030 | $18.16B | 26.2% | $4.76B | $10.90B | $7.44B |
| 2031 | $18.65B | 26.2% | $4.89B | $11.19B | $6.95B |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $19.08 | 2025-12-31 |
| EPS growth | -5.1% | Forecast years: 5 |
| Future EPS | $14.686 | EPS × (1 + G)^5 |
| Base P/E | 4.2 | P/E |
| Future price | $61.682 | Future EPS × P/E |
| Fair value today | $38.30 | PV @ 10.0% |
| 30% safety price | $26.81 | Margin of safety |
| 50% safety price | $19.15 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $107.87 | $126.60 | $152.13 |
| 10.0% | $88.849 | $102.65 | $120.71 |
| 11.0% | $73.834 | $84.346 | $97.661 |