Pareto Bank stock
PARB.OLOSLPareto Bank ASA, Financial ServicesISIN NO0010397581
42Score 42 out of 100, Weak
Price and trend
41 / 100
Price history
−41% in one yearThe chart shows daily closes over 10 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 26% below it.
Since February 2026 the 50-day line has been below the 200-day line; the trend has turned down.
Normal: the price is neither overheated nor sold off (RSI 49).
The price is 45% below its 52-week high. Largest decline in 10 years: 57% (January 2020 to March 2020).
Chart figures for advanced users
- SMA 50$5.49
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$7.06
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)49
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$4.92
- The lowest closing price of the last twelve months.
- Resistance$9.56
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Pareto Bank ASA belongs to the Banks (Regional) industry (Norway) and, with a market value of $401.53M, is number 388 of 420 companies in its industry on MEQIRI.
- In fiscal 2025 it earned $65.45M (down 2% year on year).
- MEQIRI Score 42 out of 100 (Weak): rank 922 of 975 in Financial Services, median 68.
Show more
- The P/E is 18.2 (Banks (Regional) median 12.2, own median of recent years 7.2).
- Our model puts fair value at $7.02, with the price 26% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Analysts expect strong earnings growthUp 50% a year through 2028 (estimates from 2 analysts).
- Consistently profitableProfit in all 10 fiscal years from 2016 to 2025.Fundamentals 69
Weaknesses
- Dividend not coveredPayouts over the last 12 months were 292% of earnings.Capital allocation 26
- Dividend at riskDividend yield 16.1%. At yields this high (15% or more), the dividend was cut by at least a fifth within a year in 69 of 100 cases from 2011 to 2025, against 7 of 100 at 2 to 4%.Capital allocation 26
- Richly valuedP/E 18.2, Banks (Regional) median 12.2, own median 7.2.
Its standout strengths are stability and valuation, while momentum and growth hold the score back.
Daily figure as of 13 Nov 2026
How the score is calculatedScore overview
Score since yesterday from 41 to 42.
The fundamentals are in the middle range.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk medium
How well MEQIRI warnsIn the middle among smaller stocks.
From 2016 to 2025, 20 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- price far below its 52-week high
- weak momentum
What lowers it
- low growth grade (crashed less often in the backtest)
- price not overheated over the past year
Valuation
Valuation signal
Modestly undervaluedIn our model the price counts as cheap below $5.01 and expensive above $11.70 (uncertainty high, one part of the fair value is more than twice the other).
The two parts of the fair value come to $10.53 (excess return model) and $3.51 (industry comparison), and the gap between them shows how uncertain the estimate is.
Calculated with a cost of equity of 8.5%. At 9.5% the fair value would be $6.14, at 7.5% it would be $8.34.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (12.2).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue fell 7.7% on the twelve months before. Revenue has grown strongly since 2013, at around 15% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 68%, net 48%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out. Last 12 months: net 21%.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 28 Jan 2027in 76 days
- Last reported
- 29 Oct 2026EPS reported $0.02 (expected $0.07)below expectations
Analyst estimates
- Earnings per share
- $0.18−42.4%
- Revenue
- $124.57M−1.2%
- Earnings per share
- $0.54−16.0%
- Revenue
- $124.79M−4.6%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
What happened at Pareto Bank
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
975 rated companies in Financial Services
- This company
- 42
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- First BancorpFNLC $415.25M74
- Chemung FinancialCHMG $413.27M77
- Citizens Financial ServicesCZFS $411.22M72
- First Carolina Financial ServicesFCBM $405.29M57
- Avidia BancorpAVBC $400.55M63
- Northeast Community BancorpNECB $400.31M79
- Norwood FinancialNWFL $392.84M71
- Fidelity D & D BancorpFDBC $389.52M73
Data status and sources
- Score
- Daily value of 13 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Currency
- Amounts in US dollars, converted at the ECB reference rate of 12 Nov 2026 ($1 = NOK 9.5325)
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Weak, published since 7 Nov 2026 (in the score history since 24 Oct 2026)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.