ALBBV Stock Overview

Operates as a commercial bank for private individuals and companies in Finland and Sweden. More details

ALBBV fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	2/6
Financial Health	5/6
Dividends	5/6

Rewards

Trading at 22.2% below our estimate of its fair value

Pays a high and reliable dividend of 7.43%

Risk Analysis

No risks detected for ALBBV from our risk checks.

Community vs My Fair Value

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Ålandsbanken Abp Competitors

Aktia Pankki Oyj

HLSE:AKTIA

€693.8m

Nordea Bank Abp

HLSE:NDA FI

€43.1b

Oma Säästöpankki Oyj

HLSE:OMASP

€282.8m

Co-operative Bank of Kenya

NASE:COOP

KSh82.7b

Price History & Performance

Summary of share price highs, lows and changes for Ålandsbanken Abp
Historical stock prices
Current Share Price	€36.50
52 Week High	€40.20
52 Week Low	€32.20
Beta	0.17
1 Month Change	2.82%
3 Month Change	-1.62%
1 Year Change	8.63%
3 Year Change	22.48%
5 Year Change	138.56%
Change since IPO	344.98%

Recent updates

Shareholder Returns

	ALBBV	FI Banks	FI Market
7D	-0.5%	3.0%	1.3%
1Y	8.6%	26.7%	-0.5%

Return vs Industry: ALBBV underperformed the Finnish Banks industry which returned 24.3% over the past year.

Return vs Market: ALBBV exceeded the Finnish Market which returned -0.7% over the past year.

Price Volatility

Is ALBBV's price volatile compared to industry and market?
ALBBV volatility
ALBBV Average Weekly Movement	3.9%
Banks Industry Average Movement	4.8%
Market Average Movement	5.5%
10% most volatile stocks in FI Market	9.5%
10% least volatile stocks in FI Market	3.8%

Stable Share Price: ALBBV has not had significant price volatility in the past 3 months compared to the Finnish market.

Volatility Over Time: ALBBV's weekly volatility (4%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1919	1,001	Peter Wiklof	www.alandsbanken.fi

Ålandsbanken Abp, together with its subsidiaries, operates as a commercial bank for private individuals and companies in Finland and Sweden. It offers net interest income from all deposit accounts, including savings accounts, time deposits and cash accounts connected to securities accounts, net commission income from deposits, cashier and payment intermediate services, debit and credit card, the Premium concept, bank safety deposit boxes, etc.; and income from exchanging currencies. The company also provides financial services, such as net interest income from all lending products and securities account loans, as well as lending commissions and guarantee commissions.

Ålandsbanken Abp Fundamentals Summary

How do Ålandsbanken Abp's earnings and revenue compare to its market cap?
ALBBV fundamental statistics
Market cap	€564.51m
Earnings (TTM)	€53.26m
Revenue (TTM)	€215.04m

10.7x

P/E Ratio

1.8x

P/B Ratio

Is ALBBV overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
ALBBV income statement (TTM)
Revenue	€215.04m
Cost of Revenue	€0
Gross Profit	€215.04m
Other Expenses	€161.79m
Earnings	€53.26m

Last Reported Earnings

Mar 31, 2025

Next Earnings Date

Jul 18, 2025

Earnings per share (EPS)	3.46
Gross Margin	100.00%
Net Profit Margin	24.77%
Debt/Equity Ratio	286.7%

How did ALBBV perform over the long term?

See historical performance and comparison

Dividends

7.4%

Current Dividend Yield

69%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/08 04:50
End of Day Share Price	2025/05/08 00:00
Earnings	2025/03/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Ålandsbanken Abp is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.