Ringkjøbing Landbobank Valuation
Is RILBA undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
2/6Valuation Score 2/6
Below Fair Value
Significantly Below Fair Value
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Analyst Forecast
Share Price vs Fair Value
What is the Fair Price of RILBA when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: RILBA (DKK1162) is trading below our estimate of fair value (DKK1640.8)
Significantly Below Fair Value: RILBA is trading below fair value by more than 20%.
Key Valuation Metric
Which metric is best to use when looking at relative valuation for RILBA?
Key metric: As RILBA is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.
| What is RILBA's PE Ratio? | |
|---|---|
| PE Ratio | 12.5x |
| Earnings | DKK 2.38b |
| Market Cap | DKK 29.79b |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | n/a |
| Enterprise Value/EBITDA | n/a |
| PEG Ratio | -4.7x |
Price to Earnings Ratio vs Peers
How does RILBA's PE Ratio compare to its peers?
| Company | Forward PE | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 6.5x | ||
SPNO Spar Nord Bank | 6.9x | -11.4% | DKK 15.7b |
VJBA Vestjysk Bank | 4.8x | n/a | DKK 5.1b |
DAB Danske Andelskassers Bank | 8.8x | n/a | DKK 2.8b |
SKJE Skjern Bank | 5.5x | n/a | DKK 1.5b |
RILBA Ringkjøbing Landbobank | 12.5x | -2.6% | DKK 29.8b |
Price-To-Earnings vs Peers: RILBA is expensive based on its Price-To-Earnings Ratio (12.5x) compared to the peer average (6.5x).
Price to Earnings Ratio vs Industry
How does RILBA's PE Ratio compare vs other companies in the DK Banks Industry?
| 0 Companies | Price / Earnings | Estimated Growth | Market Cap |
|---|
| 0 Companies | Estimated Growth | Market Cap |
|---|
Price-To-Earnings vs Industry: RILBA is expensive based on its Price-To-Earnings Ratio (12.5x) compared to the European Banks industry average (7.4x).
Price to Earnings Ratio vs Fair Ratio
What is RILBA's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
| Fair Ratio | |
|---|---|
| Current PE Ratio | 12.5x |
| Fair PE Ratio | 7.6x |
Price-To-Earnings vs Fair Ratio: RILBA is expensive based on its Price-To-Earnings Ratio (12.5x) compared to the estimated Fair Price-To-Earnings Ratio (7.6x).
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
| Date | Share Price | Average 1Y Price Target | Dispersion | High | Low | 1Y Actual price | Analysts |
|---|---|---|---|---|---|---|---|
| Current | DKK 1,159.00 | DKK 1,330.00 +14.8% | 1.5% | DKK 1,350.00 | DKK 1,310.00 | n/a | 2 |
| Nov ’25 | DKK 1,140.00 | DKK 1,330.00 +16.7% | 1.5% | DKK 1,350.00 | DKK 1,310.00 | n/a | 2 |
| Oct ’25 | DKK 1,037.00 | DKK 1,295.00 +24.9% | 0.4% | DKK 1,300.00 | DKK 1,290.00 | n/a | 2 |
| Sep ’25 | DKK 1,106.00 | DKK 1,295.00 +17.1% | 0.4% | DKK 1,300.00 | DKK 1,290.00 | n/a | 2 |
| Aug ’25 | DKK 1,159.00 | DKK 1,295.00 +11.7% | 0.4% | DKK 1,300.00 | DKK 1,290.00 | n/a | 2 |
| Jul ’25 | DKK 1,182.00 | DKK 1,295.00 +9.6% | 0.4% | DKK 1,300.00 | DKK 1,290.00 | n/a | 2 |
| Mar ’25 | DKK 1,163.00 | DKK 1,247.50 +7.3% | 0.2% | DKK 1,250.00 | DKK 1,245.00 | n/a | 2 |
| Feb ’25 | DKK 1,125.00 | DKK 1,247.50 +10.9% | 0.2% | DKK 1,250.00 | DKK 1,245.00 | n/a | 2 |
| Jan ’25 | DKK 991.50 | DKK 1,180.00 +19.0% | 1.7% | DKK 1,200.00 | DKK 1,160.00 | n/a | 2 |
| Dec ’24 | DKK 940.50 | DKK 1,180.00 +25.5% | 1.7% | DKK 1,200.00 | DKK 1,160.00 | n/a | 2 |
| Nov ’24 | DKK 960.50 | DKK 1,180.00 +22.9% | 1.7% | DKK 1,200.00 | DKK 1,160.00 | DKK 1,140.00 | 2 |
| Oct ’24 | DKK 1,021.00 | DKK 1,180.00 +15.6% | 1.7% | DKK 1,200.00 | DKK 1,160.00 | DKK 1,037.00 | 2 |
| Sep ’24 | DKK 1,018.00 | DKK 1,205.00 +18.4% | 3.7% | DKK 1,250.00 | DKK 1,160.00 | DKK 1,106.00 | 2 |
| Aug ’24 | DKK 963.50 | DKK 1,160.00 +20.4% | 3.4% | DKK 1,200.00 | DKK 1,120.00 | DKK 1,159.00 | 2 |
| Jul ’24 | DKK 977.50 | DKK 1,050.00 +7.4% | 15.1% | DKK 1,200.00 | DKK 830.00 | DKK 1,182.00 | 3 |
| Jun ’24 | DKK 935.50 | DKK 1,050.00 +12.2% | 15.1% | DKK 1,200.00 | DKK 830.00 | DKK 1,230.00 | 3 |
| May ’24 | DKK 971.50 | DKK 1,050.00 +8.1% | 15.1% | DKK 1,200.00 | DKK 830.00 | DKK 1,187.00 | 3 |
| Apr ’24 | DKK 967.00 | DKK 1,066.67 +10.3% | 16.5% | DKK 1,250.00 | DKK 830.00 | DKK 1,209.00 | 3 |
| Mar ’24 | DKK 1,096.00 | DKK 1,066.67 -2.7% | 16.5% | DKK 1,250.00 | DKK 830.00 | DKK 1,163.00 | 3 |
| Feb ’24 | DKK 981.00 | DKK 1,033.33 +5.3% | 14.0% | DKK 1,150.00 | DKK 830.00 | DKK 1,125.00 | 3 |
| Jan ’24 | DKK 948.00 | DKK 1,016.67 +7.2% | 13.0% | DKK 1,120.00 | DKK 830.00 | DKK 991.50 | 3 |
| Dec ’23 | DKK 899.00 | DKK 1,016.67 +13.1% | 13.0% | DKK 1,120.00 | DKK 830.00 | DKK 940.50 | 3 |
| Nov ’23 | DKK 823.00 | DKK 1,016.67 +23.5% | 13.0% | DKK 1,120.00 | DKK 830.00 | DKK 960.50 | 3 |
Analyst Forecast: Target price is less than 20% higher than the current share price.
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