0F26 Stock Overview

Provides various banking products and services in Denmark. More details

0F26 fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	0/6
Past Performance	2/6
Financial Health	4/6
Dividends	4/6

Rewards

Trading at 57.4% below our estimate of its fair value

Pays a reliable dividend of 2.67%

Risk Analysis

Shares are highly illiquid

Community vs My Fair Value

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Lån & Spar Bank A/S Competitors

Arbuthnot Banking Group

AIM:ARBB

UK£146.7m

Close Brothers Group

LSE:CBG

UK£476.8m

Secure Trust Bank

LSE:STB

UK£81.6m

TBC Bank Group

LSE:TBCG

UK£2.3b

Price History & Performance

Summary of share price highs, lows and changes for Lån & Spar Bank
Historical stock prices
Current Share Price	DKK 745.00
52 Week High	DKK 745.00
52 Week Low	DKK 745.00
Beta	0.021
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	61.96%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	0F26	GB Banks	GB Market
7D	0%	3.1%	-0.9%
1Y	n/a	58.7%	9.8%

Return vs Industry: Insufficient data to determine how 0F26 performed against the UK Banks industry.

Return vs Market: Insufficient data to determine how 0F26 performed against the UK Market.

Price Volatility

Is 0F26's price volatile compared to industry and market?
0F26 volatility
0F26 Average Weekly Movement	n/a
Banks Industry Average Movement	4.1%
Market Average Movement	4.6%
10% most volatile stocks in GB Market	10.6%
10% least volatile stocks in GB Market	2.5%

Stable Share Price: 0F26's share price has been volatile over the past 3 months compared to the UK market.

Volatility Over Time: Insufficient data to determine 0F26's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1880	558	John Christiansen	www.lsb.dk

Lån & Spar Bank A/S provides various banking products and services in Denmark. The company offers savings, budget, student, salary, and payroll accounts; private, car, caravan or motorcycle, housing, mortgage, business, and energy loans; cards; and investment certificates and bonds. It also provides pension products; and private, life, health, and other insurance products, as well as online and mobile banking services.

Lån & Spar Bank A/S Fundamentals Summary

How do Lån & Spar Bank's earnings and revenue compare to its market cap?
0F26 fundamental statistics
Market cap	DKK 2.60b
Earnings (TTM)	DKK 462.57m
Revenue (TTM)	DKK 1.56b

5.6x

P/E Ratio

0.8x

P/B Ratio

Is 0F26 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
0F26 income statement (TTM)
Revenue	DKK 1.56b
Cost of Revenue	DKK 0
Gross Profit	DKK 1.56b
Other Expenses	DKK 1.10b
Earnings	DKK 462.57m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	133.50
Gross Margin	100.00%
Net Profit Margin	29.65%
Debt/Equity Ratio	38.3%

How did 0F26 perform over the long term?

See historical performance and comparison

Dividends

2.7%

Current Dividend Yield

15%

Payout Ratio

Does 0F26 pay a reliable dividends?

See 0F26 dividend history and benchmarks

When do you need to buy 0F26 by to receive an upcoming dividend?
Lån & Spar Bank dividend dates
Ex Dividend Date	Mar 12 2025
Dividend Pay Date	Mar 14 2025
Days until Ex dividend	18 days
Days until Dividend pay date	20 days

Does 0F26 pay a reliable dividends?

See 0F26 dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/02/22 07:17
End of Day Share Price	2025/02/12 00:00
Earnings	2024/12/31
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

Lån & Spar Bank A/S 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.