View ValuationRingkjøbing Landbobank 将来の成長Future 基準チェック /36Ringkjøbing Landbobank利益と収益がそれぞれ年間6.1%と6.1%増加すると予測されています。EPS は年間 増加すると予想されています。自己資本利益率は 3 年後に21.3% 10.7%なると予測されています。主要情報6.1%収益成長率10.72%EPS成長率Banks 収益成長8.6%収益成長率6.1%将来の株主資本利益率21.31%アナリストカバレッジLow最終更新日03 Aug 2026今後の成長に関する最新情報分析記事 • Feb 07Earnings Update: Here's Why Analysts Just Lifted Their Ringkjøbing Landbobank A/S (CPH:RILBA) Price Target To kr.1,805It's been a good week for Ringkjøbing Landbobank A/S ( CPH:RILBA ) shareholders, because the company has just released...Price Target Changed • Feb 05Price target increased by 7.4% to kr.1,805Up from kr.1,680, the current price target is an average from 2 analysts. New target price is 8.8% above last closing price of kr.1,659. Stock is up 48% over the past year. The company is forecast to post earnings per share of kr.96.80 for next year compared to kr.92.86 last year.Price Target Changed • Jan 30Price target increased by 8.0% to kr.1,755Up from kr.1,625, the current price target is an average from 2 analysts. New target price is 10% above last closing price of kr.1,590. Stock is up 35% over the past year. The company is forecast to post earnings per share of kr.91.96 for next year compared to kr.88.14 last year.お知らせ • Jan 22Ringkjøbing Landbobank A/S Provides Earnings Guidance for the Year 2026Ringkjøbing Landbobank A/S provided earnings guidance for the year 2026. For the year, the company expects net profit in the range of DKK 2.0 billion - DKK 2.4 billion.分析記事 • Aug 09Ringkjøbing Landbobank A/S Just Beat Analyst Forecasts, And Analysts Have Been Updating Their PredictionsRingkjøbing Landbobank A/S ( CPH:RILBA ) defied analyst predictions to release its quarterly results, which were ahead...Price Target Changed • Jul 15Price target increased by 13% to kr.1,578Up from kr.1,390, the current price target is an average from 2 analysts. New target price is 12% above last closing price of kr.1,408. Stock is up 22% over the past year. The company is forecast to post earnings per share of kr.89.12 for next year compared to kr.88.14 last year.すべての更新を表示Recent updatesライブニュース • May 19Ringkjøbing Landbobank Launches DKK 400 Million Share Buyback Through August 2026Ringkjøbing Landbobank has launched a share buyback programme running from 6 May 2026 to 7 August 2026. The bank plans to repurchase its own shares for up to DKK 400 million, with a maximum of 500,000 shares. The buyback will be carried out in line with applicable EU Commission regulations. A buyback of this size indicates that the bank is allocating a defined pool of capital to reduce its share count. This can increase each remaining share’s claim on future earnings and capital if overall profits stay stable. As an investor, it is worth tracking the pace of repurchases over the programme period, since actual buyback activity can be lower than the announced maximum if market or regulatory conditions change.お知らせ • Apr 30Ringkjøbing Landbobank A/S (CPSE:RILBA) announces an Equity Buyback for DKK 400 million worth of its shares.Ringkjøbing Landbobank A/S (CPSE:RILBA) announces a share repurchase program. Under the program, the company will repurchase up to DKK 400 million worth of its shares.Reported Earnings • Apr 30First quarter 2026 earnings: Revenues in line with analyst expectationsFirst quarter 2026 results: Revenue: kr.1.05b (down 2.4% from 1Q 2025). Net income: kr.585.3m (down 4.9% from 1Q 2025). Profit margin: 56% (down from 57% in 1Q 2025). Revenue was in line with analyst estimates. Revenue is forecast to grow 5.8% p.a. on average during the next 3 years, compared to a 6.0% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 14% per year but the company’s share price has increased by 20% per year, which means it is tracking significantly ahead of earnings growth.お知らせ • Mar 05+ 1 more updateRingkjøbing Landbobank A/S Approves Ordinary Dividend for 2025Ringkjøbing Landbobank A/S at the annual general meeting held on 4 March 2026 approved appropriated for ordinary dividend of DKK 12 per share for 2025.Upcoming Dividend • Feb 26Upcoming dividend of kr.12.00 per shareEligible shareholders must have bought the stock before 05 March 2026. Payment date: 09 March 2026. Trailing yield: 0.7%. Lower than top quartile of Danish dividend payers (4.7%). Lower than average of industry peers (5.3%).分析記事 • Feb 07Earnings Update: Here's Why Analysts Just Lifted Their Ringkjøbing Landbobank A/S (CPH:RILBA) Price Target To kr.1,805It's been a good week for Ringkjøbing Landbobank A/S ( CPH:RILBA ) shareholders, because the company has just released...Declared Dividend • Feb 06Dividend of kr.12.00 announcedShareholders will receive a dividend of kr.12.00. Ex-date: 5th March 2026 Payment date: 9th March 2026 Dividend yield will be 0.7%, which is lower than the industry average of 5.6%. Payout Ratios Payout ratio: 13%. Forecast payout ratio in 3 years: 13%.Price Target Changed • Feb 05Price target increased by 7.4% to kr.1,805Up from kr.1,680, the current price target is an average from 2 analysts. New target price is 8.8% above last closing price of kr.1,659. Stock is up 48% over the past year. The company is forecast to post earnings per share of kr.96.80 for next year compared to kr.92.86 last year.Reported Earnings • Feb 05Full year 2025 earnings: EPS exceeds analyst expectationsFull year 2025 results: EPS: kr.92.86 (up from kr.88.14 in FY 2024). Revenue: kr.4.16b (flat on FY 2024). Net income: kr.2.31b (flat on FY 2024). Profit margin: 56% (in line with FY 2024). Cost-to-income ratio: 26.4% (up from 25.7% in FY 2024). Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 3.3%. Revenue is forecast to grow 3.7% p.a. on average during the next 3 years, compared to a 5.5% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 16% per year and the company’s share price has also increased by 16% per year.お知らせ • Feb 04Ringkjøbing Landbobank Announces Updated Distribution PolicyRingkjøbing Landbobank A/S adopted the following updated distribution policy: Effective from the financial year 2026, the bank’s distribution policy is based on the following principles: The board of directors of Ringkjøbing Landbobank aims for an annual base distribution of 40% of the year’s profit. The distribution may take the form of a combination of dividends and share buybacks. The bank seeks to ensure a stable dividend over time. In addition, the bank may carry out extraordinary distributions in the form of share buybacks. Such distributions may take place when the board of directors has conducted an overall assessment of the bank’s capital position and capital objectives, as well as the management’s growth expectations.Price Target Changed • Jan 30Price target increased by 8.0% to kr.1,755Up from kr.1,625, the current price target is an average from 2 analysts. New target price is 10% above last closing price of kr.1,590. Stock is up 35% over the past year. The company is forecast to post earnings per share of kr.91.96 for next year compared to kr.88.14 last year.お知らせ • Jan 22Ringkjøbing Landbobank A/S Provides Earnings Guidance for the Year 2026Ringkjøbing Landbobank A/S provided earnings guidance for the year 2026. For the year, the company expects net profit in the range of DKK 2.0 billion - DKK 2.4 billion.お知らせ • Jan 21Ringkjøbing Landbobank A/S (CPSE:RILBA) announces an Equity Buyback for DKK 500 million worth of its shares.Ringkjøbing Landbobank A/S (CPSE:RILBA) announces a share repurchase program. Under the program, the company will repurchase up to DKK 500 million worth of its shares.お知らせ • Jan 06Carl Pedersen to Step Down from the General Management of Ringkjøbing Landbobank A/S at the End of December 2026Carl Pedersen has informed the Ringkjøbing Landbobank A/S's board of directors that to leave the bank at the end of 2026. Carl Pedersen will therefore step down from the general management at the end of December 2026, after which the bank will continue with a three-member general management.Reported Earnings • Oct 23Third quarter 2025 earnings: EPS exceeds analyst expectations while revenues lag behindThird quarter 2025 results: EPS: kr.23.87. Revenue: kr.1.00b (down 3.8% from 3Q 2024). Net income: kr.561.5m (down 4.7% from 3Q 2024). Profit margin: 56% (in line with 3Q 2024). Revenue missed analyst estimates by 1.5%. Earnings per share (EPS) exceeded analyst estimates by 13%. Revenue is forecast to grow 2.4% p.a. on average during the next 3 years, compared to a 4.7% growth forecast for the Banks industry in Europe.お知らせ • Sep 26Ringkjøbing Landbobank A/S, Annual General Meeting, Mar 04, 2026Ringkjøbing Landbobank A/S, Annual General Meeting, Mar 04, 2026.お知らせ • Sep 25+ 3 more updatesRingkjøbing Landbobank A/S to Report Fiscal Year 2025 Results on Feb 04, 2026Ringkjøbing Landbobank A/S announced that they will report fiscal year 2025 results on Feb 04, 2026分析記事 • Aug 09Ringkjøbing Landbobank A/S Just Beat Analyst Forecasts, And Analysts Have Been Updating Their PredictionsRingkjøbing Landbobank A/S ( CPH:RILBA ) defied analyst predictions to release its quarterly results, which were ahead...Reported Earnings • Aug 06Second quarter 2025 earnings: Revenues exceed analyst expectationsSecond quarter 2025 results: Revenue: kr.1.04b (up 1.1% from 2Q 2024). Net income: kr.575.6m (up 1.9% from 2Q 2024). Profit margin: 56% (in line with 2Q 2024). Revenue exceeded analyst estimates by 4.0%. Revenue is forecast to grow 1.7% p.a. on average during the next 3 years, compared to a 4.2% growth forecast for the Banks industry in Europe.Price Target Changed • Jul 15Price target increased by 13% to kr.1,578Up from kr.1,390, the current price target is an average from 2 analysts. New target price is 12% above last closing price of kr.1,408. Stock is up 22% over the past year. The company is forecast to post earnings per share of kr.89.12 for next year compared to kr.88.14 last year.Price Target Changed • Jul 10Price target increased by 13% to kr.1,478Up from kr.1,310, the current price target is an average from 2 analysts. New target price is approximately in line with last closing price of kr.1,423. Stock is up 22% over the past year. The company is forecast to post earnings per share of kr.88.90 for next year compared to kr.88.14 last year.New Risk • May 01New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 0.8% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. This is currently the only risk that has been identified for the company.Reported Earnings • May 01First quarter 2025 earnings: Revenues exceed analyst expectationsFirst quarter 2025 results: Revenue: kr.1.07b (up 1.0% from 1Q 2024). Net income: kr.615.5m (flat on 1Q 2024). Profit margin: 57% (in line with 1Q 2024). Revenue exceeded analyst estimates by 4.7%. Revenue is forecast to grow 1.2% p.a. on average during the next 3 years, while revenues in the Banks industry in Denmark are expected to remain flat. Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has only increased by 14% per year, which means it is significantly lagging earnings growth.New Risk • Apr 15New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 0.9% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. This is currently the only risk that has been identified for the company.Valuation Update With 7 Day Price Move • Apr 09Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to kr.1,044, the stock trades at a forward P/E ratio of 12x. Average forward P/E is 8x in the Banks industry in Denmark. Total returns to shareholders of 27% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at kr.1,989 per share.お知らせ • Mar 06Ringkjøbing Landbobank A/S Announces Board and Committee ChangesRingkjøbing Landbobank A/S in its annual general meeting held on March 5, 2025 announced that Lars Møller and Yvonne Skagen must retire from the shareholders’ committee due to the age requirement in the articles of association. The following new members were elected to the shareholders’ committee: Rasmus Alstrup, farmer, Videbæk, born 1985. Rikke Ahnfeldt Kjær, CFO, Gistrup, born 1980. Pia Stevnhøj Sommer, sales director, Lind, born 1979.Upcoming Dividend • Feb 27Upcoming dividend of kr.11.00 per shareEligible shareholders must have bought the stock before 06 March 2025. Payment date: 10 March 2025. Trailing yield: 0.9%. Lower than top quartile of Danish dividend payers (5.0%). Lower than average of industry peers (5.9%).Declared Dividend • Feb 10Dividend increased to kr.11.00Dividend of kr.11.00 is 10% higher than last year. Ex-date: 6th March 2025 Payment date: 10th March 2025 Dividend yield will be 1.0%, which is lower than the industry average of 5.6%. Sustainability & Growth Dividend is well covered by earnings (12% payout ratio) and is expected to be well covered in 3 years' time (12% forecast payout ratio). The dividend has increased by an average of 7.8% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 14% over the next 3 years, which should provide support to the dividend and adequate earnings cover.Reported Earnings • Feb 06Full year 2024 earnings: EPS exceeds analyst expectationsFull year 2024 results: EPS: kr.88.14 (up from kr.78.14 in FY 2023). Revenue: kr.4.13b (up 8.2% from FY 2023). Net income: kr.2.30b (up 6.8% from FY 2023). Profit margin: 56% (in line with FY 2023). Cost-to-income ratio: 25.7% (up from 25.2% in FY 2023). Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 1.4%. Revenue is forecast to grow 1.2% p.a. on average during the next 3 years, compared to a 2.4% decline forecast for the Banks industry in Denmark. Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has only increased by 10% per year, which means it is significantly lagging earnings growth.お知らせ • Jan 23Ringkjøbing Landbobank A/S Provides Earnings Guidance for the Year 2025Ringkjøbing Landbobank A/S provided earnings guidance for the year 2025. For the year, the company's expectations for 2025 are a net profit in the range of DKK 1.8 billion to DKK 2.2 billion.Reported Earnings • Oct 23Third quarter 2024 earnings: Revenues in line with analyst expectationsThird quarter 2024 results: Revenue: kr.1.04b (up 5.8% from 3Q 2023). Net income: kr.589.1m (up 5.0% from 3Q 2023). Profit margin: 57% (in line with 3Q 2023). Revenue was in line with analyst estimates. Revenue is expected to fall by 1.0% p.a. on average during the next 3 years compared to a 1.7% decline forecast for the Banks industry in Denmark.お知らせ • Sep 20Ringkjøbing Landbobank A/S, Annual General Meeting, Mar 05, 2025Ringkjøbing Landbobank A/S, Annual General Meeting, Mar 05, 2025.お知らせ • Sep 18+ 3 more updatesRingkjøbing Landbobank A/S to Report Q3, 2025 Results on Oct 22, 2025Ringkjøbing Landbobank A/S announced that they will report Q3, 2025 results on Oct 22, 2025Reported Earnings • Aug 08Second quarter 2024 earnings: EPS exceeds analyst expectationsSecond quarter 2024 results: EPS: kr.21.53 (up from kr.18.99 in 2Q 2023). Revenue: kr.1.03b (up 9.1% from 2Q 2023). Net income: kr.564.8m (up 7.5% from 2Q 2023). Profit margin: 55% (in line with 2Q 2023). Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 5.9%. Revenue is forecast to stay flat during the next 3 years compared to a 1.5% decline forecast for the Banks industry in Denmark. Over the last 3 years on average, earnings per share has increased by 30% per year but the company’s share price has only increased by 14% per year, which means it is significantly lagging earnings growth.お知らせ • Aug 07Ringkjøbing Landbobank Revises Its Earnings Guidance for the Year 2024Ringkjøbing Landbobank revised its earnings guidance for the year 2024. The company expects for 2024 are a net profit in the range DKK 2,000 million - DKK 2,350 million compared to previous guidance of DKK 1,800 million to 2,000 million. The upwardly adjustment is made due to a continued good credit quality and a loss and impairment level that has developed better than originally budgeted for 2024 and that is expected to continue for the rest of the year.Buy Or Sell Opportunity • Aug 01Now 21% undervalued after recent price dropOver the last 90 days, the stock has fallen 2.1% to kr.1,159. The fair value is estimated to be kr.1,474, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 22% over the last 3 years. Earnings per share has grown by 29%. Revenue is forecast to decline by 0.08% in 2 years. Earnings are forecast to decline by 6.1% in the next 2 years.Reported Earnings • Apr 25First quarter 2024 earnings: EPS and revenues exceed analyst expectationsFirst quarter 2024 results: EPS: kr.2,317 (up from kr.1,632 in 1Q 2023). Revenue: kr.1.06b (up 28% from 1Q 2023). Net income: kr.615.9m (up 35% from 1Q 2023). Profit margin: 58% (up from 55% in 1Q 2023). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 3.2%. Earnings per share (EPS) also surpassed analyst estimates by 8.4%. Revenue is forecast to grow 1.6% p.a. on average during the next 3 years, while revenues in the Banks industry in Denmark are expected to remain flat. Over the last 3 years on average, earnings per share has increased by 29% per year whereas the company’s share price has increased by 24% per year.Price Target Changed • Apr 22Price target increased by 14% to kr.1,350Up from kr.1,180, the current price target is provided by 1 analyst. New target price is 11% above last closing price of kr.1,220. Stock is up 22% over the past year. The company is forecast to post earnings per share of kr.89.14 for next year compared to kr.78.14 last year.お知らせ • Mar 15Ringkjøbing Landbobank A/S Announces Board AppointmentsThe board of directors of Ringkjøbing Landbobank elected its officers as follows: Jacob Møller and Morten Jensen will each take up the position of deputy chair.Board Change • Mar 05High number of new directorsThere are 6 new directors who have joined the board in the last 3 years. Director Karsten Madsen was the last director to join the board, commencing their role in 2024. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model.お知らせ • Feb 29Ringkjøbing Landbobank A/S Announces Board ChangesRingkjøbing Landbobank A/S at the annual general meeting held on 28 February 2024, Mads Hvolby and Jens Møller Nielsen must retire from the shareholders’ committee due to the age rule in the articles of association. Since publication of the notice of the annual general meeting, Marianne Oksbjerre had advised that she wished to retire from the shareholders’ committee. The following new members were elected to the shareholders’ committee: Mattias Manstrup, managing partner and commercial estate agent, Aabybro, born 1978; Tommy Rahbek Nielsen, executive vice president and COO, Tarm, born 1970; Birgitte Rom, sales manager, Herning, born 1972.Reported Earnings • Feb 01Full year 2023 earnings releasedFull year 2023 results: Revenue: kr.3.82b (up 37% from FY 2022). Net income: kr.2.16b (up 44% from FY 2022). Profit margin: 56% (up from 54% in FY 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 3.4% p.a. on average during the next 3 years, while revenues in the Banks industry in Denmark are expected to remain flat.お知らせ • Feb 01Ringkjøbing Landbobank A/S Announces Board ChangesMeeting on January 31, 2024, the shareholders' committee of Ringkjøbing Landbobank A/S elected shareholders' committee member, attorney-at-law Karsten Madsen, as a new member of the board of directors, to take effect immediately after the annual general meeting to be held on 28 February 2024. On this date, the two deputy chairpersons of the board, Mads Hvolby and Jens Møller Nielsen, must retire from the bank’s board of directors and shareholders' committee due to the provision on age in the articles of association. Karsten Madsen was born in 1961 and lives in Sæby. He is managing partner (CEO) and co-owner of the law firm HjulmandKaptain.お知らせ • Jan 18Ringkjøbing Landbobank Provides Earnings Guidance for the Year 2024Ringkjøbing Landbobank provided earnings guidance for the year 2024. The company expects for 2024 are a net profit in the range DKK 1.8 billion - DKK 2.2 billion.Recent Insider Transactions • Oct 27Independent Chairman recently bought kr.1.9m worth of stockOn the 25th of October, Martin Pedersen bought around 2k shares on-market at roughly kr.952 per share. This transaction amounted to 5.3% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Martin has been a buyer over the last 12 months, purchasing a net total of kr.3.8m worth in shares.Reported Earnings • Oct 26Third quarter 2023 earnings releasedThird quarter 2023 results: Revenue: kr.980.0m (up 53% from 3Q 2022). Net income: kr.561.0m (up 70% from 3Q 2022). Profit margin: 57% (up from 51% in 3Q 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 6.5% p.a. on average during the next 3 years, compared to a 1.7% growth forecast for the Banks industry in Denmark.お知らせ • Oct 10Ringkjøbing Landbobank A/S Revises Earnings Guidance for the Year 2023Ringkjøbing Landbobank A/S revised earnings guidance for the year 2023. The company is upwardly adjusting its expectations for core earnings and net profit for 2023. The expectations for core earnings are upwardly adjusted from the DKK 2,300 - 2,650 million range to the DKK 2,600 - 2,900 million range and the expectations for net profit for the year are upwardly adjusted from the DKK 1,700 - 2,000 million range to the DKK 1,900 - 2,200 million range. The background to the upward adjustment is primarily a strong credit quality and thus a more positive development in the need for impairment charges than expected.お知らせ • Sep 07+ 4 more updatesRingkjøbing Landbobank A/S, Annual General Meeting, Feb 28, 2024Ringkjøbing Landbobank A/S, Annual General Meeting, Feb 28, 2024.Reported Earnings • Aug 03Second quarter 2023 earnings: EPS and revenues exceed analyst expectationsSecond quarter 2023 results: EPS: kr.18.99 (up from kr.12.38 in 2Q 2022). Revenue: kr.939.6m (up 40% from 2Q 2022). Net income: kr.525.5m (up 51% from 2Q 2022). Profit margin: 56% (up from 52% in 2Q 2022). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 3.6%. Earnings per share (EPS) also surpassed analyst estimates by 5.7%. Revenue is forecast to grow 8.9% p.a. on average during the next 3 years, compared to a 3.2% growth forecast for the Banks industry in Denmark. Over the last 3 years on average, earnings per share has increased by 25% per year whereas the company’s share price has increased by 28% per year.Price Target Changed • Jul 03Price target increased by 8.7% to kr.1,160Up from kr.1,067, the current price target is an average from 3 analysts. New target price is 18% above last closing price of kr.985. Stock is up 27% over the past year. The company is forecast to post earnings per share of kr.72.84 for next year compared to kr.53.40 last year.お知らせ • Jun 12Ringkjøbing Landbobank Revises Earnings Guidance for the Year 2023Ringkjøbing Landbobank revised earnings guidance for the year 2023. The company is upwardly adjusting its expectations for core earnings and net profit for 2023. The expectations for core earnings are upwardly adjusted from the DKK 2,000 million - DKK 2,400 million range to the DKK 2,300 million - DKK 2,650 million range and the expectations for net profit for the year are upwardly adjusted from the DKK 1,400 million - DKK 1,800 million range to the DKK 1,700 million - DKK 2,000 million range. The background to the upward adjustment is a continued satisfactory inflow of customers and a more positive development in the need for impairment charges than expected.Reported Earnings • Apr 27First quarter 2023 earnings: Revenues miss analyst expectationsFirst quarter 2023 results: Revenue: kr.827.3m (up 25% from 1Q 2022). Net income: kr.454.8m (up 27% from 1Q 2022). Profit margin: 55% (up from 54% in 1Q 2022). The increase in margin was driven by higher revenue. Revenue missed analyst estimates by 3.4%. Revenue is forecast to grow 6.8% p.a. on average during the next 3 years, compared to a 4.9% growth forecast for the Banks industry in Denmark.Recent Insider Transactions • Mar 17Independent Chairman recently bought kr.1.9m worth of stockOn the 14th of March, Martin Pedersen bought around 2k shares on-market at roughly kr.962 per share. This transaction amounted to 5.6% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. This was Martin's only on-market trade for the last 12 months.Upcoming Dividend • Feb 23Upcoming dividend of kr.7.00 per share at 0.6% yieldEligible shareholders must have bought the stock before 02 March 2023. Payment date: 06 March 2023. Trailing yield: 0.6%. Lower than top quartile of Danish dividend payers (5.2%). Lower than average of industry peers (2.7%).Reported Earnings • Feb 02Full year 2022 earnings: Revenues in line with analyst expectationsFull year 2022 results: Revenue: kr.2.79b (up 18% from FY 2021). Net income: kr.1.49b (up 22% from FY 2021). Profit margin: 54% (up from 52% in FY 2021). The increase in margin was driven by higher revenue. Revenue was in line with analyst estimates. Revenue is forecast to grow 9.4% p.a. on average during the next 3 years, compared to a 9.3% growth forecast for the Banks industry in Denmark.お知らせ • Feb 02Ringkjøbing Landbobank Appoints Lene Weldum as A New Member of the Board of Directors, Effective 1 March 2023The shareholders’ committee of Ringkjøbing Landbobank elected Lene Weldum as a new member of the board of directors, to take effect immediately after the annual general meeting on 1 March 2023. It is a condition of the election that the annual general meeting approves the proposed amendment of the articles of association which permits an increase in the number of board members. Lene Weldum was born in 1960 and lives in Strib, Denmark. From 1990 to 2022 she held various positions at Bankdata in Fredericia and served as a member of Bankdata’s executive management from 2002 until she retired in 2022.お知らせ • Jan 07Ringkjøbing Landbobank A/S Announces Changes in Employee Representatives to its Board of Directors, Effective 1 March 2023Ringkjøbing Landbobank A/S announced an election of employee representatives for the bank's board of directors has been completed on January 6, 2023 with the below result. The following will resign from the bank’s board of directors on 1 March 2023: Dan Junker Astrup, credit manager; Arne Ugilt, credit consultant; and Gitte E. S. Vigsø, compliance officer. The following will continue/join as board members for a four-year term of office commencing 1 March 2023: Nanna Gammeljord Snogdal, team leader credit – new member; Lisa Munkholm, personal customer adviser – new member; Finn Aaen, business customer adviser – re-elected; Martin Wilche, personal customer adviser – new member.Recent Insider Transactions • Dec 08Employee Representative Director recently sold kr.71k worth of stockOn the 1st of December, Finn Aaen sold around 79.0 shares on-market at roughly kr.900 per share. This transaction amounted to 14% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of kr.13k more than they bought in the last 12 months.Board Change • Nov 16Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 9 experienced directors. 2 highly experienced directors. Director Anne Kaptain was the last director to join the board, commencing their role in 2022. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.お知らせ • Oct 27+ 3 more updatesRingkjøbing Landbobank A/S to Report Nine Months, 2023 Results on Oct 25, 2023Ringkjøbing Landbobank A/S announced that they will report nine months, 2023 results on Oct 25, 2023Reported Earnings • Oct 26Third quarter 2022 earnings: Revenues miss analyst expectationsThird quarter 2022 results: Revenue: kr.642.7m (up 8.9% from 3Q 2021). Net income: kr.329.3m (up 9.1% from 3Q 2021). Profit margin: 51% (in line with 3Q 2021). Revenue missed analyst estimates by 3.4%. Revenue is forecast to grow 11% p.a. on average during the next 3 years, compared to a 6.9% growth forecast for the Banks industry in Denmark.お知らせ • Sep 07Ringkjøbing Landbobank A/S, Annual General Meeting, Mar 01, 2023Ringkjøbing Landbobank A/S, Annual General Meeting, Mar 01, 2023.Reported Earnings • Aug 04Second quarter 2022 earnings: Revenues exceed analyst expectationsSecond quarter 2022 results: Revenue: kr.672.6m (up 19% from 2Q 2021). Net income: kr.348.2m (up 20% from 2Q 2021). Profit margin: 52% (in line with 2Q 2021). Revenue exceeded analyst estimates by 3.3%. Over the next year, revenue is forecast to grow 14% compared to a 3.8% decline forecast for the industry in Denmark.Reported Earnings • May 01First quarter 2022 earnings: Revenues exceed analyst expectationsFirst quarter 2022 results: Revenue: kr.664.5m (up 19% from 1Q 2021). Net income: kr.358.9m (up 27% from 1Q 2021). Profit margin: 54% (up from 50% in 1Q 2021). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 4.0%. Over the next year, revenue is forecast to grow 13% compared to a 4.9% decline forecast for the industry in Denmark.Board Change • Apr 27Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 9 experienced directors. 2 highly experienced directors. Director Anne Kaptain was the last director to join the board, commencing their role in 2022. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.Upcoming Dividend • Feb 24Upcoming dividend of kr.7.00 per shareEligible shareholders must have bought the stock before 03 March 2022. Payment date: 07 March 2022. Payout ratio is a comfortable 16% but the company is not cash flow positive. Trailing yield: 0.9%. Lower than top quartile of Danish dividend payers (4.3%). Lower than average of industry peers (4.7%).Price Target Changed • Jan 20Price target increased to kr.958Up from kr.845, the current price target is an average from 3 analysts. New target price is approximately in line with last closing price of kr.932. Stock is up 60% over the past year. The company is forecast to post earnings per share of kr.41.68 for next year compared to kr.31.56 last year.Reported Earnings • Oct 28Third quarter 2021 earnings released: EPS kr.10.49 (vs kr.9.33 in 3Q 2020)The company reported a solid third quarter result with improved earnings and revenues, although profit margins were flat. Third quarter 2021 results: Revenue: kr.590.3m (up 13% from 3Q 2020). Net income: kr.301.8m (up 11% from 3Q 2020). Profit margin: 51% (in line with 3Q 2020). Over the last 3 years on average, earnings per share has increased by 14% per year but the company’s share price has increased by 36% per year, which means it is tracking significantly ahead of earnings growth.Price Target Changed • Oct 25Price target increased to kr.842Up from kr.733, the current price target is an average from 3 analysts. New target price is approximately in line with last closing price of kr.843. Stock is up 72% over the past year. The company is forecast to post earnings per share of kr.41.04 for next year compared to kr.31.56 last year.Price Target Changed • Aug 31Price target increased to kr.723Up from kr.673, the current price target is an average from 3 analysts. New target price is approximately in line with last closing price of kr.746. Stock is up 61% over the past year.Reported Earnings • Aug 05Second quarter 2021 earnings released: EPS kr.10.08 (vs kr.7.82 in 2Q 2020)The company reported a strong second quarter result with improved earnings, revenues and profit margins. Second quarter 2021 results: Revenue: kr.567.3m (up 17% from 2Q 2020). Net income: kr.290.7m (up 28% from 2Q 2020). Profit margin: 51% (up from 47% in 2Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 13% per year but the company’s share price has increased by 26% per year, which means it is tracking significantly ahead of earnings growth.業績と収益の成長予測CPSE:RILBA - アナリストの将来予測と過去の財務データ ( )DKK Millions日付収益収益フリー・キャッシュフロー営業活動によるキャッシュ平均アナリスト数12/31/20284,8962,747N/AN/A412/31/20274,6492,600N/AN/A412/31/20264,3302,413N/AN/A43/31/20264,1302,283N/AN/AN/A12/31/20254,1562,313N/AN/AN/A9/30/20254,1262,284N/AN/AN/A6/30/20254,1652,311N/AN/AN/A3/31/20254,1492,300N/AN/AN/A12/31/20244,1392,301N/AN/AN/A9/30/20244,1912,384N/AN/AN/A6/30/20244,1282,356N/AN/AN/A3/31/20244,0552,316N/AN/AN/A12/31/20233,8192,155N/AN/AN/A9/30/20233,5582,000N/AN/AN/A6/30/20233,2201,768N/AN/AN/A3/31/20232,9531,591N/AN/AN/A12/31/20222,7911,495N/AN/AN/A9/30/20222,6341,391N/AN/AN/A6/30/20222,5821,363N/AN/AN/A3/31/20222,4761,306N/AN/AN/A12/31/20212,3721,229N/AN/AN/A9/30/20212,2621,137N/AN/AN/A6/30/20212,1961,108N/AN/AN/A3/31/20212,1121,045N/AN/AN/A12/31/20201,948920N/AN/AN/A9/30/20201,893880N/AN/AN/A6/30/20201,902883N/AN/AN/A3/31/20201,925877N/AN/AN/A12/31/20192,054978N/AN/AN/A9/30/20192,020910N/AN/AN/A6/30/20191,958816N/AN/AN/A3/31/20191,714698N/AN/AN/A12/31/20181,542663N/AN/AN/A9/30/20181,342634N/AN/AN/A6/30/20181,135604N/AN/AN/A3/31/20181,149655N/AN/AN/A12/31/20171,069589N/A-672N/A9/30/20171,073597N/AN/AN/A6/30/20171,053583N/AN/AN/A3/31/20171,021567N/AN/AN/A12/31/2016979539N/A946N/A9/30/2016945517N/AN/AN/A6/30/2016899479N/AN/AN/A3/31/2016876452N/AN/AN/A12/31/2015892459N/A-2,513N/A9/30/2015889447N/AN/AN/Aもっと見るアナリストによる今後の成長予測収入対貯蓄率: RILBAの予測収益成長率 (年間6.1% ) は 貯蓄率 ( 2% ) を上回っています。収益対市場: RILBAの収益 ( 6.1% ) Danish市場 ( 7.6% ) よりも低い成長が予測されています。高成長収益: RILBAの収益は増加すると予測されていますが、大幅には増加しません。収益対市場: RILBAの収益 ( 6.1% ) Danish市場 ( 3.8% ) よりも速いペースで成長すると予測されています。高い収益成長: RILBAの収益 ( 6.1% ) 20%よりも低い成長が予測されています。一株当たり利益成長率予想将来の株主資本利益率将来のROE: RILBAの 自己資本利益率 は、3年後には高くなると予測されています ( 21.3 %)成長企業の発掘7D1Y7D1Y7D1YBanks 業界の高成長企業。View Past Performance企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/08/04 18:21終値2026/08/04 00:00収益2026/03/31年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレークこのレポートを生成するために使用した分析モデルの詳細は、当社のGitHubページでご覧いただけます。また、レポートの活用方法に関するガイドやYouTubeのチュートリアルも用意しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋Ringkjøbing Landbobank A/S 4 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。5 アナリスト機関null nullABG Sundal CollierMartin BirkCarnegie Investment Bank ABAsbjørn MørkDanske Bank2 その他のアナリストを表示
分析記事 • Feb 07Earnings Update: Here's Why Analysts Just Lifted Their Ringkjøbing Landbobank A/S (CPH:RILBA) Price Target To kr.1,805It's been a good week for Ringkjøbing Landbobank A/S ( CPH:RILBA ) shareholders, because the company has just released...
Price Target Changed • Feb 05Price target increased by 7.4% to kr.1,805Up from kr.1,680, the current price target is an average from 2 analysts. New target price is 8.8% above last closing price of kr.1,659. Stock is up 48% over the past year. The company is forecast to post earnings per share of kr.96.80 for next year compared to kr.92.86 last year.
Price Target Changed • Jan 30Price target increased by 8.0% to kr.1,755Up from kr.1,625, the current price target is an average from 2 analysts. New target price is 10% above last closing price of kr.1,590. Stock is up 35% over the past year. The company is forecast to post earnings per share of kr.91.96 for next year compared to kr.88.14 last year.
お知らせ • Jan 22Ringkjøbing Landbobank A/S Provides Earnings Guidance for the Year 2026Ringkjøbing Landbobank A/S provided earnings guidance for the year 2026. For the year, the company expects net profit in the range of DKK 2.0 billion - DKK 2.4 billion.
分析記事 • Aug 09Ringkjøbing Landbobank A/S Just Beat Analyst Forecasts, And Analysts Have Been Updating Their PredictionsRingkjøbing Landbobank A/S ( CPH:RILBA ) defied analyst predictions to release its quarterly results, which were ahead...
Price Target Changed • Jul 15Price target increased by 13% to kr.1,578Up from kr.1,390, the current price target is an average from 2 analysts. New target price is 12% above last closing price of kr.1,408. Stock is up 22% over the past year. The company is forecast to post earnings per share of kr.89.12 for next year compared to kr.88.14 last year.
ライブニュース • May 19Ringkjøbing Landbobank Launches DKK 400 Million Share Buyback Through August 2026Ringkjøbing Landbobank has launched a share buyback programme running from 6 May 2026 to 7 August 2026. The bank plans to repurchase its own shares for up to DKK 400 million, with a maximum of 500,000 shares. The buyback will be carried out in line with applicable EU Commission regulations. A buyback of this size indicates that the bank is allocating a defined pool of capital to reduce its share count. This can increase each remaining share’s claim on future earnings and capital if overall profits stay stable. As an investor, it is worth tracking the pace of repurchases over the programme period, since actual buyback activity can be lower than the announced maximum if market or regulatory conditions change.
お知らせ • Apr 30Ringkjøbing Landbobank A/S (CPSE:RILBA) announces an Equity Buyback for DKK 400 million worth of its shares.Ringkjøbing Landbobank A/S (CPSE:RILBA) announces a share repurchase program. Under the program, the company will repurchase up to DKK 400 million worth of its shares.
Reported Earnings • Apr 30First quarter 2026 earnings: Revenues in line with analyst expectationsFirst quarter 2026 results: Revenue: kr.1.05b (down 2.4% from 1Q 2025). Net income: kr.585.3m (down 4.9% from 1Q 2025). Profit margin: 56% (down from 57% in 1Q 2025). Revenue was in line with analyst estimates. Revenue is forecast to grow 5.8% p.a. on average during the next 3 years, compared to a 6.0% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 14% per year but the company’s share price has increased by 20% per year, which means it is tracking significantly ahead of earnings growth.
お知らせ • Mar 05+ 1 more updateRingkjøbing Landbobank A/S Approves Ordinary Dividend for 2025Ringkjøbing Landbobank A/S at the annual general meeting held on 4 March 2026 approved appropriated for ordinary dividend of DKK 12 per share for 2025.
Upcoming Dividend • Feb 26Upcoming dividend of kr.12.00 per shareEligible shareholders must have bought the stock before 05 March 2026. Payment date: 09 March 2026. Trailing yield: 0.7%. Lower than top quartile of Danish dividend payers (4.7%). Lower than average of industry peers (5.3%).
分析記事 • Feb 07Earnings Update: Here's Why Analysts Just Lifted Their Ringkjøbing Landbobank A/S (CPH:RILBA) Price Target To kr.1,805It's been a good week for Ringkjøbing Landbobank A/S ( CPH:RILBA ) shareholders, because the company has just released...
Declared Dividend • Feb 06Dividend of kr.12.00 announcedShareholders will receive a dividend of kr.12.00. Ex-date: 5th March 2026 Payment date: 9th March 2026 Dividend yield will be 0.7%, which is lower than the industry average of 5.6%. Payout Ratios Payout ratio: 13%. Forecast payout ratio in 3 years: 13%.
Price Target Changed • Feb 05Price target increased by 7.4% to kr.1,805Up from kr.1,680, the current price target is an average from 2 analysts. New target price is 8.8% above last closing price of kr.1,659. Stock is up 48% over the past year. The company is forecast to post earnings per share of kr.96.80 for next year compared to kr.92.86 last year.
Reported Earnings • Feb 05Full year 2025 earnings: EPS exceeds analyst expectationsFull year 2025 results: EPS: kr.92.86 (up from kr.88.14 in FY 2024). Revenue: kr.4.16b (flat on FY 2024). Net income: kr.2.31b (flat on FY 2024). Profit margin: 56% (in line with FY 2024). Cost-to-income ratio: 26.4% (up from 25.7% in FY 2024). Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 3.3%. Revenue is forecast to grow 3.7% p.a. on average during the next 3 years, compared to a 5.5% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 16% per year and the company’s share price has also increased by 16% per year.
お知らせ • Feb 04Ringkjøbing Landbobank Announces Updated Distribution PolicyRingkjøbing Landbobank A/S adopted the following updated distribution policy: Effective from the financial year 2026, the bank’s distribution policy is based on the following principles: The board of directors of Ringkjøbing Landbobank aims for an annual base distribution of 40% of the year’s profit. The distribution may take the form of a combination of dividends and share buybacks. The bank seeks to ensure a stable dividend over time. In addition, the bank may carry out extraordinary distributions in the form of share buybacks. Such distributions may take place when the board of directors has conducted an overall assessment of the bank’s capital position and capital objectives, as well as the management’s growth expectations.
Price Target Changed • Jan 30Price target increased by 8.0% to kr.1,755Up from kr.1,625, the current price target is an average from 2 analysts. New target price is 10% above last closing price of kr.1,590. Stock is up 35% over the past year. The company is forecast to post earnings per share of kr.91.96 for next year compared to kr.88.14 last year.
お知らせ • Jan 22Ringkjøbing Landbobank A/S Provides Earnings Guidance for the Year 2026Ringkjøbing Landbobank A/S provided earnings guidance for the year 2026. For the year, the company expects net profit in the range of DKK 2.0 billion - DKK 2.4 billion.
お知らせ • Jan 21Ringkjøbing Landbobank A/S (CPSE:RILBA) announces an Equity Buyback for DKK 500 million worth of its shares.Ringkjøbing Landbobank A/S (CPSE:RILBA) announces a share repurchase program. Under the program, the company will repurchase up to DKK 500 million worth of its shares.
お知らせ • Jan 06Carl Pedersen to Step Down from the General Management of Ringkjøbing Landbobank A/S at the End of December 2026Carl Pedersen has informed the Ringkjøbing Landbobank A/S's board of directors that to leave the bank at the end of 2026. Carl Pedersen will therefore step down from the general management at the end of December 2026, after which the bank will continue with a three-member general management.
Reported Earnings • Oct 23Third quarter 2025 earnings: EPS exceeds analyst expectations while revenues lag behindThird quarter 2025 results: EPS: kr.23.87. Revenue: kr.1.00b (down 3.8% from 3Q 2024). Net income: kr.561.5m (down 4.7% from 3Q 2024). Profit margin: 56% (in line with 3Q 2024). Revenue missed analyst estimates by 1.5%. Earnings per share (EPS) exceeded analyst estimates by 13%. Revenue is forecast to grow 2.4% p.a. on average during the next 3 years, compared to a 4.7% growth forecast for the Banks industry in Europe.
お知らせ • Sep 26Ringkjøbing Landbobank A/S, Annual General Meeting, Mar 04, 2026Ringkjøbing Landbobank A/S, Annual General Meeting, Mar 04, 2026.
お知らせ • Sep 25+ 3 more updatesRingkjøbing Landbobank A/S to Report Fiscal Year 2025 Results on Feb 04, 2026Ringkjøbing Landbobank A/S announced that they will report fiscal year 2025 results on Feb 04, 2026
分析記事 • Aug 09Ringkjøbing Landbobank A/S Just Beat Analyst Forecasts, And Analysts Have Been Updating Their PredictionsRingkjøbing Landbobank A/S ( CPH:RILBA ) defied analyst predictions to release its quarterly results, which were ahead...
Reported Earnings • Aug 06Second quarter 2025 earnings: Revenues exceed analyst expectationsSecond quarter 2025 results: Revenue: kr.1.04b (up 1.1% from 2Q 2024). Net income: kr.575.6m (up 1.9% from 2Q 2024). Profit margin: 56% (in line with 2Q 2024). Revenue exceeded analyst estimates by 4.0%. Revenue is forecast to grow 1.7% p.a. on average during the next 3 years, compared to a 4.2% growth forecast for the Banks industry in Europe.
Price Target Changed • Jul 15Price target increased by 13% to kr.1,578Up from kr.1,390, the current price target is an average from 2 analysts. New target price is 12% above last closing price of kr.1,408. Stock is up 22% over the past year. The company is forecast to post earnings per share of kr.89.12 for next year compared to kr.88.14 last year.
Price Target Changed • Jul 10Price target increased by 13% to kr.1,478Up from kr.1,310, the current price target is an average from 2 analysts. New target price is approximately in line with last closing price of kr.1,423. Stock is up 22% over the past year. The company is forecast to post earnings per share of kr.88.90 for next year compared to kr.88.14 last year.
New Risk • May 01New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 0.8% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. This is currently the only risk that has been identified for the company.
Reported Earnings • May 01First quarter 2025 earnings: Revenues exceed analyst expectationsFirst quarter 2025 results: Revenue: kr.1.07b (up 1.0% from 1Q 2024). Net income: kr.615.5m (flat on 1Q 2024). Profit margin: 57% (in line with 1Q 2024). Revenue exceeded analyst estimates by 4.7%. Revenue is forecast to grow 1.2% p.a. on average during the next 3 years, while revenues in the Banks industry in Denmark are expected to remain flat. Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has only increased by 14% per year, which means it is significantly lagging earnings growth.
New Risk • Apr 15New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 0.9% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. This is currently the only risk that has been identified for the company.
Valuation Update With 7 Day Price Move • Apr 09Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to kr.1,044, the stock trades at a forward P/E ratio of 12x. Average forward P/E is 8x in the Banks industry in Denmark. Total returns to shareholders of 27% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at kr.1,989 per share.
お知らせ • Mar 06Ringkjøbing Landbobank A/S Announces Board and Committee ChangesRingkjøbing Landbobank A/S in its annual general meeting held on March 5, 2025 announced that Lars Møller and Yvonne Skagen must retire from the shareholders’ committee due to the age requirement in the articles of association. The following new members were elected to the shareholders’ committee: Rasmus Alstrup, farmer, Videbæk, born 1985. Rikke Ahnfeldt Kjær, CFO, Gistrup, born 1980. Pia Stevnhøj Sommer, sales director, Lind, born 1979.
Upcoming Dividend • Feb 27Upcoming dividend of kr.11.00 per shareEligible shareholders must have bought the stock before 06 March 2025. Payment date: 10 March 2025. Trailing yield: 0.9%. Lower than top quartile of Danish dividend payers (5.0%). Lower than average of industry peers (5.9%).
Declared Dividend • Feb 10Dividend increased to kr.11.00Dividend of kr.11.00 is 10% higher than last year. Ex-date: 6th March 2025 Payment date: 10th March 2025 Dividend yield will be 1.0%, which is lower than the industry average of 5.6%. Sustainability & Growth Dividend is well covered by earnings (12% payout ratio) and is expected to be well covered in 3 years' time (12% forecast payout ratio). The dividend has increased by an average of 7.8% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 14% over the next 3 years, which should provide support to the dividend and adequate earnings cover.
Reported Earnings • Feb 06Full year 2024 earnings: EPS exceeds analyst expectationsFull year 2024 results: EPS: kr.88.14 (up from kr.78.14 in FY 2023). Revenue: kr.4.13b (up 8.2% from FY 2023). Net income: kr.2.30b (up 6.8% from FY 2023). Profit margin: 56% (in line with FY 2023). Cost-to-income ratio: 25.7% (up from 25.2% in FY 2023). Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 1.4%. Revenue is forecast to grow 1.2% p.a. on average during the next 3 years, compared to a 2.4% decline forecast for the Banks industry in Denmark. Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has only increased by 10% per year, which means it is significantly lagging earnings growth.
お知らせ • Jan 23Ringkjøbing Landbobank A/S Provides Earnings Guidance for the Year 2025Ringkjøbing Landbobank A/S provided earnings guidance for the year 2025. For the year, the company's expectations for 2025 are a net profit in the range of DKK 1.8 billion to DKK 2.2 billion.
Reported Earnings • Oct 23Third quarter 2024 earnings: Revenues in line with analyst expectationsThird quarter 2024 results: Revenue: kr.1.04b (up 5.8% from 3Q 2023). Net income: kr.589.1m (up 5.0% from 3Q 2023). Profit margin: 57% (in line with 3Q 2023). Revenue was in line with analyst estimates. Revenue is expected to fall by 1.0% p.a. on average during the next 3 years compared to a 1.7% decline forecast for the Banks industry in Denmark.
お知らせ • Sep 20Ringkjøbing Landbobank A/S, Annual General Meeting, Mar 05, 2025Ringkjøbing Landbobank A/S, Annual General Meeting, Mar 05, 2025.
お知らせ • Sep 18+ 3 more updatesRingkjøbing Landbobank A/S to Report Q3, 2025 Results on Oct 22, 2025Ringkjøbing Landbobank A/S announced that they will report Q3, 2025 results on Oct 22, 2025
Reported Earnings • Aug 08Second quarter 2024 earnings: EPS exceeds analyst expectationsSecond quarter 2024 results: EPS: kr.21.53 (up from kr.18.99 in 2Q 2023). Revenue: kr.1.03b (up 9.1% from 2Q 2023). Net income: kr.564.8m (up 7.5% from 2Q 2023). Profit margin: 55% (in line with 2Q 2023). Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 5.9%. Revenue is forecast to stay flat during the next 3 years compared to a 1.5% decline forecast for the Banks industry in Denmark. Over the last 3 years on average, earnings per share has increased by 30% per year but the company’s share price has only increased by 14% per year, which means it is significantly lagging earnings growth.
お知らせ • Aug 07Ringkjøbing Landbobank Revises Its Earnings Guidance for the Year 2024Ringkjøbing Landbobank revised its earnings guidance for the year 2024. The company expects for 2024 are a net profit in the range DKK 2,000 million - DKK 2,350 million compared to previous guidance of DKK 1,800 million to 2,000 million. The upwardly adjustment is made due to a continued good credit quality and a loss and impairment level that has developed better than originally budgeted for 2024 and that is expected to continue for the rest of the year.
Buy Or Sell Opportunity • Aug 01Now 21% undervalued after recent price dropOver the last 90 days, the stock has fallen 2.1% to kr.1,159. The fair value is estimated to be kr.1,474, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 22% over the last 3 years. Earnings per share has grown by 29%. Revenue is forecast to decline by 0.08% in 2 years. Earnings are forecast to decline by 6.1% in the next 2 years.
Reported Earnings • Apr 25First quarter 2024 earnings: EPS and revenues exceed analyst expectationsFirst quarter 2024 results: EPS: kr.2,317 (up from kr.1,632 in 1Q 2023). Revenue: kr.1.06b (up 28% from 1Q 2023). Net income: kr.615.9m (up 35% from 1Q 2023). Profit margin: 58% (up from 55% in 1Q 2023). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 3.2%. Earnings per share (EPS) also surpassed analyst estimates by 8.4%. Revenue is forecast to grow 1.6% p.a. on average during the next 3 years, while revenues in the Banks industry in Denmark are expected to remain flat. Over the last 3 years on average, earnings per share has increased by 29% per year whereas the company’s share price has increased by 24% per year.
Price Target Changed • Apr 22Price target increased by 14% to kr.1,350Up from kr.1,180, the current price target is provided by 1 analyst. New target price is 11% above last closing price of kr.1,220. Stock is up 22% over the past year. The company is forecast to post earnings per share of kr.89.14 for next year compared to kr.78.14 last year.
お知らせ • Mar 15Ringkjøbing Landbobank A/S Announces Board AppointmentsThe board of directors of Ringkjøbing Landbobank elected its officers as follows: Jacob Møller and Morten Jensen will each take up the position of deputy chair.
Board Change • Mar 05High number of new directorsThere are 6 new directors who have joined the board in the last 3 years. Director Karsten Madsen was the last director to join the board, commencing their role in 2024. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model.
お知らせ • Feb 29Ringkjøbing Landbobank A/S Announces Board ChangesRingkjøbing Landbobank A/S at the annual general meeting held on 28 February 2024, Mads Hvolby and Jens Møller Nielsen must retire from the shareholders’ committee due to the age rule in the articles of association. Since publication of the notice of the annual general meeting, Marianne Oksbjerre had advised that she wished to retire from the shareholders’ committee. The following new members were elected to the shareholders’ committee: Mattias Manstrup, managing partner and commercial estate agent, Aabybro, born 1978; Tommy Rahbek Nielsen, executive vice president and COO, Tarm, born 1970; Birgitte Rom, sales manager, Herning, born 1972.
Reported Earnings • Feb 01Full year 2023 earnings releasedFull year 2023 results: Revenue: kr.3.82b (up 37% from FY 2022). Net income: kr.2.16b (up 44% from FY 2022). Profit margin: 56% (up from 54% in FY 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 3.4% p.a. on average during the next 3 years, while revenues in the Banks industry in Denmark are expected to remain flat.
お知らせ • Feb 01Ringkjøbing Landbobank A/S Announces Board ChangesMeeting on January 31, 2024, the shareholders' committee of Ringkjøbing Landbobank A/S elected shareholders' committee member, attorney-at-law Karsten Madsen, as a new member of the board of directors, to take effect immediately after the annual general meeting to be held on 28 February 2024. On this date, the two deputy chairpersons of the board, Mads Hvolby and Jens Møller Nielsen, must retire from the bank’s board of directors and shareholders' committee due to the provision on age in the articles of association. Karsten Madsen was born in 1961 and lives in Sæby. He is managing partner (CEO) and co-owner of the law firm HjulmandKaptain.
お知らせ • Jan 18Ringkjøbing Landbobank Provides Earnings Guidance for the Year 2024Ringkjøbing Landbobank provided earnings guidance for the year 2024. The company expects for 2024 are a net profit in the range DKK 1.8 billion - DKK 2.2 billion.
Recent Insider Transactions • Oct 27Independent Chairman recently bought kr.1.9m worth of stockOn the 25th of October, Martin Pedersen bought around 2k shares on-market at roughly kr.952 per share. This transaction amounted to 5.3% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Martin has been a buyer over the last 12 months, purchasing a net total of kr.3.8m worth in shares.
Reported Earnings • Oct 26Third quarter 2023 earnings releasedThird quarter 2023 results: Revenue: kr.980.0m (up 53% from 3Q 2022). Net income: kr.561.0m (up 70% from 3Q 2022). Profit margin: 57% (up from 51% in 3Q 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 6.5% p.a. on average during the next 3 years, compared to a 1.7% growth forecast for the Banks industry in Denmark.
お知らせ • Oct 10Ringkjøbing Landbobank A/S Revises Earnings Guidance for the Year 2023Ringkjøbing Landbobank A/S revised earnings guidance for the year 2023. The company is upwardly adjusting its expectations for core earnings and net profit for 2023. The expectations for core earnings are upwardly adjusted from the DKK 2,300 - 2,650 million range to the DKK 2,600 - 2,900 million range and the expectations for net profit for the year are upwardly adjusted from the DKK 1,700 - 2,000 million range to the DKK 1,900 - 2,200 million range. The background to the upward adjustment is primarily a strong credit quality and thus a more positive development in the need for impairment charges than expected.
お知らせ • Sep 07+ 4 more updatesRingkjøbing Landbobank A/S, Annual General Meeting, Feb 28, 2024Ringkjøbing Landbobank A/S, Annual General Meeting, Feb 28, 2024.
Reported Earnings • Aug 03Second quarter 2023 earnings: EPS and revenues exceed analyst expectationsSecond quarter 2023 results: EPS: kr.18.99 (up from kr.12.38 in 2Q 2022). Revenue: kr.939.6m (up 40% from 2Q 2022). Net income: kr.525.5m (up 51% from 2Q 2022). Profit margin: 56% (up from 52% in 2Q 2022). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 3.6%. Earnings per share (EPS) also surpassed analyst estimates by 5.7%. Revenue is forecast to grow 8.9% p.a. on average during the next 3 years, compared to a 3.2% growth forecast for the Banks industry in Denmark. Over the last 3 years on average, earnings per share has increased by 25% per year whereas the company’s share price has increased by 28% per year.
Price Target Changed • Jul 03Price target increased by 8.7% to kr.1,160Up from kr.1,067, the current price target is an average from 3 analysts. New target price is 18% above last closing price of kr.985. Stock is up 27% over the past year. The company is forecast to post earnings per share of kr.72.84 for next year compared to kr.53.40 last year.
お知らせ • Jun 12Ringkjøbing Landbobank Revises Earnings Guidance for the Year 2023Ringkjøbing Landbobank revised earnings guidance for the year 2023. The company is upwardly adjusting its expectations for core earnings and net profit for 2023. The expectations for core earnings are upwardly adjusted from the DKK 2,000 million - DKK 2,400 million range to the DKK 2,300 million - DKK 2,650 million range and the expectations for net profit for the year are upwardly adjusted from the DKK 1,400 million - DKK 1,800 million range to the DKK 1,700 million - DKK 2,000 million range. The background to the upward adjustment is a continued satisfactory inflow of customers and a more positive development in the need for impairment charges than expected.
Reported Earnings • Apr 27First quarter 2023 earnings: Revenues miss analyst expectationsFirst quarter 2023 results: Revenue: kr.827.3m (up 25% from 1Q 2022). Net income: kr.454.8m (up 27% from 1Q 2022). Profit margin: 55% (up from 54% in 1Q 2022). The increase in margin was driven by higher revenue. Revenue missed analyst estimates by 3.4%. Revenue is forecast to grow 6.8% p.a. on average during the next 3 years, compared to a 4.9% growth forecast for the Banks industry in Denmark.
Recent Insider Transactions • Mar 17Independent Chairman recently bought kr.1.9m worth of stockOn the 14th of March, Martin Pedersen bought around 2k shares on-market at roughly kr.962 per share. This transaction amounted to 5.6% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. This was Martin's only on-market trade for the last 12 months.
Upcoming Dividend • Feb 23Upcoming dividend of kr.7.00 per share at 0.6% yieldEligible shareholders must have bought the stock before 02 March 2023. Payment date: 06 March 2023. Trailing yield: 0.6%. Lower than top quartile of Danish dividend payers (5.2%). Lower than average of industry peers (2.7%).
Reported Earnings • Feb 02Full year 2022 earnings: Revenues in line with analyst expectationsFull year 2022 results: Revenue: kr.2.79b (up 18% from FY 2021). Net income: kr.1.49b (up 22% from FY 2021). Profit margin: 54% (up from 52% in FY 2021). The increase in margin was driven by higher revenue. Revenue was in line with analyst estimates. Revenue is forecast to grow 9.4% p.a. on average during the next 3 years, compared to a 9.3% growth forecast for the Banks industry in Denmark.
お知らせ • Feb 02Ringkjøbing Landbobank Appoints Lene Weldum as A New Member of the Board of Directors, Effective 1 March 2023The shareholders’ committee of Ringkjøbing Landbobank elected Lene Weldum as a new member of the board of directors, to take effect immediately after the annual general meeting on 1 March 2023. It is a condition of the election that the annual general meeting approves the proposed amendment of the articles of association which permits an increase in the number of board members. Lene Weldum was born in 1960 and lives in Strib, Denmark. From 1990 to 2022 she held various positions at Bankdata in Fredericia and served as a member of Bankdata’s executive management from 2002 until she retired in 2022.
お知らせ • Jan 07Ringkjøbing Landbobank A/S Announces Changes in Employee Representatives to its Board of Directors, Effective 1 March 2023Ringkjøbing Landbobank A/S announced an election of employee representatives for the bank's board of directors has been completed on January 6, 2023 with the below result. The following will resign from the bank’s board of directors on 1 March 2023: Dan Junker Astrup, credit manager; Arne Ugilt, credit consultant; and Gitte E. S. Vigsø, compliance officer. The following will continue/join as board members for a four-year term of office commencing 1 March 2023: Nanna Gammeljord Snogdal, team leader credit – new member; Lisa Munkholm, personal customer adviser – new member; Finn Aaen, business customer adviser – re-elected; Martin Wilche, personal customer adviser – new member.
Recent Insider Transactions • Dec 08Employee Representative Director recently sold kr.71k worth of stockOn the 1st of December, Finn Aaen sold around 79.0 shares on-market at roughly kr.900 per share. This transaction amounted to 14% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of kr.13k more than they bought in the last 12 months.
Board Change • Nov 16Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 9 experienced directors. 2 highly experienced directors. Director Anne Kaptain was the last director to join the board, commencing their role in 2022. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
お知らせ • Oct 27+ 3 more updatesRingkjøbing Landbobank A/S to Report Nine Months, 2023 Results on Oct 25, 2023Ringkjøbing Landbobank A/S announced that they will report nine months, 2023 results on Oct 25, 2023
Reported Earnings • Oct 26Third quarter 2022 earnings: Revenues miss analyst expectationsThird quarter 2022 results: Revenue: kr.642.7m (up 8.9% from 3Q 2021). Net income: kr.329.3m (up 9.1% from 3Q 2021). Profit margin: 51% (in line with 3Q 2021). Revenue missed analyst estimates by 3.4%. Revenue is forecast to grow 11% p.a. on average during the next 3 years, compared to a 6.9% growth forecast for the Banks industry in Denmark.
お知らせ • Sep 07Ringkjøbing Landbobank A/S, Annual General Meeting, Mar 01, 2023Ringkjøbing Landbobank A/S, Annual General Meeting, Mar 01, 2023.
Reported Earnings • Aug 04Second quarter 2022 earnings: Revenues exceed analyst expectationsSecond quarter 2022 results: Revenue: kr.672.6m (up 19% from 2Q 2021). Net income: kr.348.2m (up 20% from 2Q 2021). Profit margin: 52% (in line with 2Q 2021). Revenue exceeded analyst estimates by 3.3%. Over the next year, revenue is forecast to grow 14% compared to a 3.8% decline forecast for the industry in Denmark.
Reported Earnings • May 01First quarter 2022 earnings: Revenues exceed analyst expectationsFirst quarter 2022 results: Revenue: kr.664.5m (up 19% from 1Q 2021). Net income: kr.358.9m (up 27% from 1Q 2021). Profit margin: 54% (up from 50% in 1Q 2021). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 4.0%. Over the next year, revenue is forecast to grow 13% compared to a 4.9% decline forecast for the industry in Denmark.
Board Change • Apr 27Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 9 experienced directors. 2 highly experienced directors. Director Anne Kaptain was the last director to join the board, commencing their role in 2022. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
Upcoming Dividend • Feb 24Upcoming dividend of kr.7.00 per shareEligible shareholders must have bought the stock before 03 March 2022. Payment date: 07 March 2022. Payout ratio is a comfortable 16% but the company is not cash flow positive. Trailing yield: 0.9%. Lower than top quartile of Danish dividend payers (4.3%). Lower than average of industry peers (4.7%).
Price Target Changed • Jan 20Price target increased to kr.958Up from kr.845, the current price target is an average from 3 analysts. New target price is approximately in line with last closing price of kr.932. Stock is up 60% over the past year. The company is forecast to post earnings per share of kr.41.68 for next year compared to kr.31.56 last year.
Reported Earnings • Oct 28Third quarter 2021 earnings released: EPS kr.10.49 (vs kr.9.33 in 3Q 2020)The company reported a solid third quarter result with improved earnings and revenues, although profit margins were flat. Third quarter 2021 results: Revenue: kr.590.3m (up 13% from 3Q 2020). Net income: kr.301.8m (up 11% from 3Q 2020). Profit margin: 51% (in line with 3Q 2020). Over the last 3 years on average, earnings per share has increased by 14% per year but the company’s share price has increased by 36% per year, which means it is tracking significantly ahead of earnings growth.
Price Target Changed • Oct 25Price target increased to kr.842Up from kr.733, the current price target is an average from 3 analysts. New target price is approximately in line with last closing price of kr.843. Stock is up 72% over the past year. The company is forecast to post earnings per share of kr.41.04 for next year compared to kr.31.56 last year.
Price Target Changed • Aug 31Price target increased to kr.723Up from kr.673, the current price target is an average from 3 analysts. New target price is approximately in line with last closing price of kr.746. Stock is up 61% over the past year.
Reported Earnings • Aug 05Second quarter 2021 earnings released: EPS kr.10.08 (vs kr.7.82 in 2Q 2020)The company reported a strong second quarter result with improved earnings, revenues and profit margins. Second quarter 2021 results: Revenue: kr.567.3m (up 17% from 2Q 2020). Net income: kr.290.7m (up 28% from 2Q 2020). Profit margin: 51% (up from 47% in 2Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 13% per year but the company’s share price has increased by 26% per year, which means it is tracking significantly ahead of earnings growth.