Aprila Bank ASA provides various commercial banking services in Norway. More Details
Exceptional growth potential with excellent balance sheet.
Share Price & News
How has Aprila Bank's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: Insufficient data to determine APRILA's volatility over the past 3 months.
Volatility Over Time: Insufficient data to determine APRILA's volatility change over the past year.
7 Day Return
1 Year Return
Return vs Industry: APRILA underperformed the Norwegian Banks industry which returned 53.3% over the past year.
Return vs Market: APRILA underperformed the Norwegian Market which returned 35.9% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Aprila Bank's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Aprila Bank undervalued compared to its fair value and its price relative to the market?
Price to Book (PB) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate APRILA's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate APRILA's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: APRILA is unprofitable, so we can't compare its PE Ratio to the NO Banks industry average.
PE vs Market: APRILA is unprofitable, so we can't compare its PE Ratio to the Norwegian market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate APRILA's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: APRILA is overvalued based on its PB Ratio (2x) compared to the NO Banks industry average (0.6x).
How is Aprila Bank forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: APRILA is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (1.2%).
Earnings vs Market: APRILA is forecast to become profitable over the next 3 years, which is considered above average market growth.
High Growth Earnings: APRILA's is expected to become profitable in the next 3 years.
Revenue vs Market: APRILA's revenue (55.6% per year) is forecast to grow faster than the Norwegian market (5.4% per year).
High Growth Revenue: APRILA's revenue (55.6% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: APRILA's Return on Equity is forecast to be high in 3 years time (33%)
How has Aprila Bank performed over the past 5 years?
Last years earnings growth
Earnings and Revenue History
Quality Earnings: APRILA is currently unprofitable.
Growing Profit Margin: APRILA is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: Insufficient data to determine if APRILA's year-on-year earnings growth rate was positive over the past 5 years.
Accelerating Growth: Unable to compare APRILA's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: APRILA is unprofitable, making it difficult to compare its past year earnings growth to the Banks industry (3.3%).
Return on Equity
High ROE: APRILA has a negative Return on Equity (-45.86%), as it is currently unprofitable.
How is Aprila Bank'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: APRILA's Assets to Equity ratio (3.9x) is low.
Allowance for Bad Loans: APRILA has a sufficient allowance for bad loans (109%).
Low Risk Liabilities: 95% of APRILA's liabilities are made up of primarily low risk sources of funding.
Loan Level: APRILA has an appropriate level of Loans to Assets ratio (40%).
Low Risk Deposits: APRILA's Loans to Deposits ratio (57%) is appropriate.
Level of Bad Loans: APRILA has a high level of bad loans (2.9%).
What is Aprila Bank current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate APRILA's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate APRILA's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if APRILA's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if APRILA's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of APRILA's dividend in 3 years as they are not forecast to pay a notable one for the Norwegian market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mr. Halvor Sannes Lande has been Chief Executive Officer of Aprila Bank ASA since August 01, 2019 and also serves as it's Executive Director. Mr. Lande served as Executive Vice President for IT transformat...
CEO Compensation Analysis
Compensation vs Market: Halvor's total compensation ($USD104.51K) is below average for companies of similar size in the Norwegian market ($USD342.41K).
Compensation vs Earnings: Insufficient data to compare Halvor's compensation with company performance.
Experienced Management: APRILA's management team is considered experienced (3.2 years average tenure).
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 been diluted in the past year, with total shares outstanding growing by 23.1%.
Aprila Bank ASA's company bio, employee growth, exchange listings and data sources
- Name: Aprila Bank ASA
- Ticker: APRILA
- Exchange: OTCNO
- Founded: 2018
- Industry: Regional Banks
- Sector: Banks
- Market Cap: kr223.155m
- Shares outstanding: 44.63m
- Website: https://www.aprila.no
- Aprila Bank ASA
- Kirkegata 5
Aprila Bank ASA provides various commercial banking services in Norway. It also develops digital and automated financing solution for small and medium-sized enterprises, including Aprila Invoice Sales that...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/05/07 21:15|
|End of Day Share Price||2021/04/29 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.