View ValuationRingkjøbing Landbobank 향후 성장Future 기준 점검 3/6Ringkjøbing Landbobank (는) 각각 연간 5.8% 및 6% 수익과 수익이 증가할 것으로 예상됩니다. EPS는 연간 11.1% 만큼 성장할 것으로 예상됩니다. 자기자본이익률은 3년 후 21.3% 로 예상됩니다.핵심 정보5.8%이익 성장률11.08%EPS 성장률Banks 이익 성장8.5%매출 성장률6.0%향후 자기자본이익률21.32%애널리스트 커버리지Low마지막 업데이트30 Apr 2026최근 향후 성장 업데이트분석 기사 • 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.공시 • 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.분석 기사 • 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.모든 업데이트 보기Recent updates속보 • 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.공시 • 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.공시 • 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%).분석 기사 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • Sep 26Ringkjøbing Landbobank A/S, Annual General Meeting, Mar 04, 2026Ringkjøbing Landbobank A/S, Annual General Meeting, Mar 04, 2026.공시 • 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, 2026분석 기사 • 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.공시 • 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.공시 • 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.공시 • Sep 20Ringkjøbing Landbobank A/S, Annual General Meeting, Mar 05, 2025Ringkjøbing Landbobank A/S, Annual General Meeting, Mar 05, 2025.공시 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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.이익 및 매출 성장 예측CPSE:RILBA - 애널리스트 향후 추정치 및 과거 재무 데이터 (DKK Millions)날짜매출이익자유현금흐름영업현금흐름평균 애널리스트 수12/31/20284,8572,700N/AN/A312/31/20274,6082,554N/AN/A312/31/20264,2952,373N/AN/A33/31/20264,1302,283N/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/A더 보기애널리스트 향후 성장 전망수입 대 저축률: RILBA 의 연간 예상 수익 증가율(5.8%)이 saving rate(2%)보다 높습니다.수익 vs 시장: RILBA 의 연간 수익(5.8%)이 Danish 시장(7.5%)보다 느리게 성장할 것으로 예상됩니다.고성장 수익: RILBA 의 수입은 증가할 것으로 예상되지만 상당히 증가하지는 않을 것입니다.수익 대 시장: RILBA 의 수익(연간 6%)이 Danish 시장(연간 4%)보다 빠르게 성장할 것으로 예상됩니다.고성장 매출: RILBA 의 수익(연간 6%)은 연간 20%보다 느리게 증가할 것으로 예상됩니다.주당순이익 성장 예측향후 자기자본이익률미래 ROE: RILBA의 자본 수익률은 3년 후 21.3%로 높을 것으로 예상됩니다.성장 기업 찾아보기7D1Y7D1Y7D1YBanks 산업의 고성장 기업.View Past Performance기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/07/02 14:17종가2026/07/02 00:00수익2026/03/31연간 수익2025/12/31데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델에 대한 세부 정보는 당사의 Github 페이지에서 확인하실 수 있으며, 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공하고 있습니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스Ringkjøbing Landbobank A/S는 4명의 분석가가 다루고 있습니다. 이 중 3명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.분석가기관null nullABG Sundal CollierMartin BirkCarnegie Investment Bank ABAsbjørn MørkDanske Bank1명의 분석가 더 보기
분석 기사 • 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.
공시 • 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.
분석 기사 • 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.
속보 • 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.
공시 • 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.
공시 • 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%).
분석 기사 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • Sep 26Ringkjøbing Landbobank A/S, Annual General Meeting, Mar 04, 2026Ringkjøbing Landbobank A/S, Annual General Meeting, Mar 04, 2026.
공시 • 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
분석 기사 • 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.
공시 • 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.
공시 • 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.
공시 • Sep 20Ringkjøbing Landbobank A/S, Annual General Meeting, Mar 05, 2025Ringkjøbing Landbobank A/S, Annual General Meeting, Mar 05, 2025.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.