AB Siauliu Bankas Future Growth

Future criteria checks 2/6

AB Siauliu Bankas is forecast to grow earnings and revenue by 7.6% and 6.6% per annum respectively. EPS is expected to grow by 6.4% per annum. Return on equity is forecast to be 12.4% in 3 years.

Key information

7.6%

Earnings growth rate

6.4%

EPS growth rate

Banks earnings growth	0.4%
Revenue growth rate	6.6%
Future return on equity	12.4%
Analyst coverage	Low
Last updated	02 Aug 2024

Recent future growth updates

Recent updates

Earnings and Revenue Growth Forecasts

NSEL:SAB1L - Analysts future estimates and past financials data (EUR Millions)
Date	Revenue	Earnings	Free Cash Flow	Cash from Op	Avg. No. Analysts
12/31/2026	233	80	N/A	N/A	1
12/31/2025	220	66	N/A	N/A	1
12/31/2024	219	78	N/A	N/A	1
6/30/2024	200	77	-262	-252	N/A
3/31/2024	192	79	-367	-358	N/A
12/31/2023	181	75	-310	-303	N/A
9/30/2023	180	83	-397	-392	N/A
6/30/2023	171	77	-507	-505	N/A
3/31/2023	158	75	-429	-427	N/A
12/31/2022	141	67	-469	-466	N/A
9/30/2022	127	61	-462	-459	N/A
6/30/2022	123	59	32	35	N/A
3/31/2022	122	54	124	127	N/A
12/31/2021	123	55	159	160	N/A
9/30/2021	121	53	272	274	N/A
6/30/2021	117	50	-35	-32	N/A
3/31/2021	112	47	94	98	N/A
12/31/2020	103	43	112	116	N/A
9/30/2020	103	45	90	95	N/A
6/30/2020	101	45	-36	-31	N/A
3/31/2020	101	45	-205	-200	N/A
12/31/2019	111	52	-174	-168	N/A
9/30/2019	105	55	-188	-183	N/A
6/30/2019	101	53	-133	-129	N/A
3/31/2019	101	58	-148	-145	N/A
12/31/2018	93	53	-185	-183	N/A
9/30/2018	95	46	-228	-228	N/A
6/30/2018	90	40	-242	-240	N/A
3/31/2018	75	29	N/A	-202	N/A
12/31/2017	81	32	N/A	-155	N/A
9/30/2017	76	31	N/A	-44	N/A
6/30/2017	82	37	N/A	-13	N/A
3/31/2017	90	39	N/A	4	N/A
12/31/2016	93	44	N/A	4	N/A
9/30/2016	97	41	N/A	-39	N/A
6/30/2016	85	33	N/A	-9	N/A
3/31/2016	78	27	N/A	-4	N/A
12/31/2015	66	15	N/A	-61	N/A
9/30/2015	57	14	N/A	N/A	N/A
6/30/2015	59	16	N/A	-115	N/A
3/31/2015	59	16	N/A	-89	N/A
12/31/2014	53	14	N/A	-28	N/A
9/30/2014	61	15	N/A	N/A	N/A
6/30/2014	56	13	N/A	318	N/A
3/31/2014	49	9	N/A	323	N/A
12/31/2013	44	7	N/A	-5	N/A
9/30/2013	31	3	N/A	-300	N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: SAB1L's forecast earnings growth (7.6% per year) is above the savings rate (2.5%).

Earnings vs Market: SAB1L's earnings (7.6% per year) are forecast to grow slower than the LT market (14% per year).

High Growth Earnings: SAB1L's earnings are forecast to grow, but not significantly.

Revenue vs Market: SAB1L's revenue (6.6% per year) is forecast to grow faster than the LT market (5% per year).

High Growth Revenue: SAB1L's revenue (6.6% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: SAB1L's Return on Equity is forecast to be low in 3 years time (12.4%).

AB Siauliu Bankas Future Growth

Future criteria checks 2/6

Key information

Recent future growth updates

Consensus revenue estimates increase by 23%

Consensus forecasts updated

Consensus forecasts updated

Recent updates

Second quarter 2024 earnings released: EPS: €0.033 (vs €0.037 in 2Q 2023)

AB Siauliu Bankas Announces the Appointment of Tomas Varenbergas as a member of the Management Board

First quarter 2024 earnings released: EPS: €0.034 (vs €0.032 in 1Q 2023)

AB Siauliu Bankas Approves Dividend

Full year 2023 earnings released: EPS: €0.13 (vs €0.11 in FY 2022)

New minor risk - Shareholder dilution

AB Siauliu Bankas, Annual General Meeting, Mar 29, 2024

AB Siauliu Bankas (NSEL:SAB1L) completed the acquisition of Retail Businesses from Invalda INVL, AB (NSEL:IVL1L) for €41.8 million.

Third quarter 2023 earnings released: EPS: €0.041 (vs €0.029 in 3Q 2022)

Second quarter 2023 earnings released: EPS: €0.038 (vs €0.03 in 2Q 2022)

New major risk - Revenue and earnings growth

Agne Duksiene Becomes a Member of the Management Board of Šiauliu Bankas AB

Consensus revenue estimates increase by 23%

Full year 2022 earnings: EPS exceeds analyst expectations while revenues lag behind

AB Siauliu Bankas to Report Fiscal Year 2022 Final Results on Mar 31, 2023

AB Siauliu Bankas, Annual General Meeting, Mar 31, 2023

AB Siauliu Bankas (NSEL:SAB1L) agreed to acquire Retail Businesses Of Invalda from Invalda INVL, AB (NSEL:IVL1L) for €40.2 million.

Consensus forecasts updated

Siauliu Bankas AB Announces Management Changes

Second quarter 2022 earnings released: EPS: €0.05 (vs €0.028 in 2Q 2021)

AB Siauliu Bankas Announces Resignation of Arvydas Salda and Martynas Cesnavicius from Supervisory Council Members, Effective Form 4 August 2022

First quarter 2022 earnings: EPS exceeds analyst expectations while revenues lag behind

AB Siauliu Bankas Approves Dividend, Payable on April 27, 2022

AB Siauliu Bankas Approves Dividend

Full year 2021 earnings: EPS exceeds analyst expectations while revenues lag behind

Third quarter 2021 earnings released: EPS €0.021 (vs €0.023 in 3Q 2020)

Second quarter 2021 earnings released: EPS €0.03 (vs €0.018 in 2Q 2020)

Consensus forecasts updated

First quarter 2021 earnings released: EPS €0.021 (vs €0.01 in 1Q 2020)

Šiauliu Bankas Files Complaint Against the Decision of the Vilnius Regional Administrative Court

AB Siauliu Bankas Announces Decision of the Administrative Court Regarding the Fine Imposed

New 90-day high: €0.51

Šiauliu Bankas AB Signs an Operational Agreement with the European Investment Bank to Set Up and Manage EUR 200 Million Renovation Fund

AB Siauliu Bankas to Report Q2, 2021 Results on Jul 30, 2021

New 90-day high: €0.49

New 90-day high: €0.45

Third quarter earnings released

First half earnings released

AB Siauliu Bankas (NSEL:SAB1L) completed the acquisition of retail loan portfolio of Danske Bank A/S for for approximately €110.

Earnings and Revenue Growth Forecasts

Analyst Future Growth Forecasts

Earnings per Share Growth Forecasts

Future Return on Equity

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