Ringkjøbing Landbobank A/S provides various banking products and services in Denmark. More Details
No risks detected for RILBA from our risk checks.
Flawless balance sheet established dividend payer.
Share Price & News
How has Ringkjøbing Landbobank's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: RILBA has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: RILBA exceeded the Danish Banks industry which returned -4% over the past year.
Return vs Market: RILBA underperformed the Danish Market which returned 35.6% over the past year.
Price Volatility Vs. Market
How volatile is Ringkjøbing Landbobank's share price compared to the market and industry in the last 5 years?
Simply Wall St News
3 weeks ago | Simply Wall StShould You Be Adding Ringkjøbing Landbobank (CPH:RILBA) To Your Watchlist Today?
1 month ago | Simply Wall StIs Ringkjøbing Landbobank A/S (CPH:RILBA) A Smart Choice For Dividend Investors?
3 months ago | Simply Wall StHow Is Ringkjøbing Landbobank's (CPH:RILBA) CEO Paid Relative To Peers?
Is Ringkjøbing Landbobank undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: RILBA (DKK518) is trading above our estimate of fair value (DKK359.04)
Significantly Below Fair Value: RILBA is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: RILBA is poor value based on its PE Ratio (17.2x) compared to the DK Banks industry average (8.6x).
PE vs Market: RILBA is poor value based on its PE Ratio (17.2x) compared to the Danish market (16.4x).
Price to Earnings Growth Ratio
PEG Ratio: RILBA is poor value based on its PEG Ratio (1.4x)
Price to Book Ratio
PB vs Industry: RILBA is overvalued based on its PB Ratio (2x) compared to the DK Banks industry average (0.6x).
How is Ringkjøbing Landbobank forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: RILBA's forecast earnings growth (12.3% per year) is above the savings rate (0.3%).
Earnings vs Market: RILBA's earnings (12.3% per year) are forecast to grow faster than the Danish market (11.9% per year).
High Growth Earnings: RILBA's earnings are forecast to grow, but not significantly.
Revenue vs Market: RILBA's revenue (5.6% per year) is forecast to grow slower than the Danish market (6.3% per year).
High Growth Revenue: RILBA's revenue (5.6% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: RILBA's Return on Equity is forecast to be low in 3 years time (13.1%).
How has Ringkjøbing Landbobank performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: RILBA has high quality earnings.
Growing Profit Margin: RILBA's current net profit margins (46.4%) are higher than last year (41.7%).
Past Earnings Growth Analysis
Earnings Trend: RILBA's earnings have grown by 15.7% per year over the past 5 years.
Accelerating Growth: RILBA's earnings growth over the past year (8.1%) is below its 5-year average (15.7% per year).
Earnings vs Industry: RILBA earnings growth over the past year (8.1%) exceeded the Banks industry 0.3%.
Return on Equity
High ROE: RILBA's Return on Equity (11.6%) is considered low.
How is Ringkjøbing Landbobank's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: RILBA's Assets to Equity ratio (7.1x) is low.
Allowance for Bad Loans: RILBA has a sufficient allowance for bad loans (1005%).
Low Risk Liabilities: 86% of RILBA's liabilities are made up of primarily low risk sources of funding.
Loan Level: RILBA has an appropriate level of Loans to Assets ratio (65%).
Low Risk Deposits: RILBA's Loans to Deposits ratio (89%) is appropriate.
Level of Bad Loans: RILBA has an appropriate level of bad loans (0.6%).
What is Ringkjøbing Landbobank current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: RILBA's dividend (2.12%) is higher than the bottom 25% of dividend payers in the Danish market (1.27%).
High Dividend: RILBA's dividend (2.12%) is low compared to the top 25% of dividend payers in the Danish market (3.36%).
Stability and Growth of Payments
Stable Dividend: RILBA's dividends per share have been stable in the past 10 years.
Growing Dividend: RILBA's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (36.5%), RILBA's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: RILBA's dividends in 3 years are forecast to be well covered by earnings (35.4% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
John Fisker (56 yo)
Mr. John Bull Fisker serves as the Chief Executive Officer of Ringkjøbing Landbobank A/S since May 1, 2012. Mr. Fisker is a Member of the general management since May 1, 1999. Mr. Fisker was employed by th ...
CEO Compensation Analysis
Compensation vs Market: John's total compensation ($USD992.48K) is below average for companies of similar size in the Danish market ($USD1.71M).
Compensation vs Earnings: John's compensation has been consistent with company performance over the past year.
|CEO & Member of the General Management||8.42yrs||kr.6.27m||0.26% |
|GM & Member of the Management Board||5.08yrs||kr.3.06m||0.035% |
|GM & Member of the General Management||2.33yrs||kr.3.84m||0.0055% |
|GM & Member of the Management Board||2.33yrs||kr.3.19m||0.0039% |
|Financial Manager||no data||no data||no data|
|Executive assistant & Head of Investor Relations||no data||no data||no data|
|Chief Internal Auditor||no data||no data||no data|
|Head of Treasury||no data||no data||no data|
Experienced Management: RILBA's management team is considered experienced (3.7 years average tenure).
|Employee Elected Director||2.33yrs||no data||0.0029% |
|Independent Director||2.33yrs||no data||0.10% |
|Independent Deputy Chairman of the Board||2.33yrs||no data||0.010% |
|Employee Elected Director||9.58yrs||no data||0.00034% |
|Independent Chairman||2.67yrs||no data||0.10% |
|Independent Deputy Chairman||2.67yrs||no data||0.0016% |
|Employee Elected Director||5.58yrs||no data||no data|
|Independent Director||3.5yrs||no data||0.0027% |
|Independent Director||3.5yrs||no data||0.0031% |
|Employee Elected Director||2.33yrs||no data||0.0016% |
|Independent Director||3.67yrs||no data||no data|
|Independent Director||2.33yrs||no data||0.0038% |
Experienced Board: RILBA's board of directors are not considered experienced ( 2.7 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Ringkjøbing Landbobank A/S's company bio, employee growth, exchange listings and data sources
- Name: Ringkjøbing Landbobank A/S
- Ticker: RILBA
- Exchange: CPSE
- Founded: 1886
- Industry: Regional Banks
- Sector: Banks
- Market Cap: kr.15.054b
- Shares outstanding: 29.06m
- Website: https://www.landbobanken.dk
Number of Employees
- Ringkjøbing Landbobank A/S
- Torvet 1
- Central Denmark Region
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|RILBA||CPSE (OMX Nordic Exchange Copenhagen)||Yes||Share Capital||DK||DKK||Jan 1992|
|0RPR||LSE (London Stock Exchange)||Yes||Share Capital||GB||DKK||Jan 1992|
|RILBAC||BATS-CHIXE (BATS 'Chi-X Europe')||Yes||Share Capital||GB||DKK||Jan 1992|
Ringkjøbing Landbobank A/S provides various banking products and services in Denmark. It offers various deposits, and loans and guarantees, as well as mortgage credit, securities trading, asset management ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/10/19 21:52|
|End of Day Share Price||2020/10/19 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.