Uncovering Three Undiscovered Gems in European Markets

Overview: Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative offers a range of banking products and financial services in France, with a market capitalization of approximately €1.40 billion.

Operations: The company generates revenue primarily from its retail banking segment, amounting to €632.82 million.

With assets totaling €38.2 billion and equity at €5.7 billion, CNDF showcases a robust financial foundation. Its total deposits of €31 billion against loans of €28.3 billion suggest stability in operations. The bank’s allowance for bad loans stands at 94%, indicating prudent risk management, while non-performing loans are appropriately low at 1.7%. A price-to-earnings ratio of 8.1x positions it attractively compared to the French market average of 15.7x, highlighting potential value for investors seeking opportunities in smaller financial institutions with strong growth prospects evidenced by a recent earnings surge of 26.6%.

ENXTPA:CNDF Debt to Equity as at Aug 2025

Simply Wall St Value Rating: ★★★★★☆

Overview: SpareBank 1 Helgeland offers a range of financial products and services to retail customers, small and medium enterprises, municipal authorities, and institutions in Norway, with a market cap of NOK5.04 billion.

Operations: Revenue streams for SpareBank 1 Helgeland include interest income from loans and advances, as well as fees and commissions from various financial services. The company’s net profit margin has shown fluctuations over recent periods, reflecting changes in revenue and cost structures.

SpareBank 1 Helgeland, a notable player in the banking sector, has shown robust financial health with total assets of NOK40.7 billion and equity at NOK5.2 billion. The bank’s reliance on customer deposits for 73% of its funding underscores its low-risk profile. Its bad loan allowance stands at a manageable 42%, while non-performing loans are just 1.9% of total loans, reflecting prudent risk management. Trading at nearly 25% below estimated fair value, it offers potential value to investors. Recent earnings reported net income of NOK290 million for six months ending June 2025, slightly up from NOK283 million previously noted.

OB:HELG Earnings and Revenue Growth as at Aug 2025

This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

Companies discussed in this article include CPSE:CHEMM ENXTPA:CNDF and OB:HELG.

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