OTCPK:ABNR.Y

Stock Analysis Report

Executive Summary

ABN AMRO Bank N.V. provides various banking products and services in the Netherlands and internationally.

Snowflake

Fundamentals

Good value with adequate balance sheet and pays a dividend.


Similar Companies

Share Price & News

How has ABN AMRO Bank's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-0.4%

OTCPK:ABNR.Y

2.4%

US Banks

2.9%

US Market


1 Year Return

-24.2%

OTCPK:ABNR.Y

-14.8%

US Banks

0.2%

US Market

ABNR.Y underperformed the Banks industry which returned -12% over the past year.

ABNR.Y underperformed the Market in United States of America which returned 1% over the past year.


Share holder returns

ABNR.YIndustryMarket
7 Day-0.4%2.4%2.9%
30 Day-3.3%-6.3%-2.3%
90 Day-3.9%-2.1%3.1%
1 Year-20.4%-24.2%-12.4%-14.8%2.4%0.2%
3 Yearn/a41.7%32.0%41.7%32.4%
5 Yearn/a52.2%35.7%55.1%37.9%

Price Volatility Vs. Market

How volatile is ABN AMRO Bank's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is ABN AMRO Bank undervalued based on future cash flows and its price relative to the stock market?

30%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

ABN AMRO Bank's share price is below the future cash flow value, and at a moderate discount (> 20%).

ABN AMRO Bank's share price is below the future cash flow value, but not at a substantial discount (< 40%).


Price Based on Earnings

ABN AMRO Bank is good value based on earnings compared to the US Banks industry average.

ABN AMRO Bank is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

ABN AMRO Bank is poor value based on expected growth next year.


Price Based on Value of Assets

ABN AMRO Bank is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is ABN AMRO Bank expected to perform in the next 1 to 3 years based on estimates from 17 analysts?

4.6%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

ABN AMRO Bank's revenue is expected to grow by 0.2% yearly, however this is not considered high growth (20% yearly).

ABN AMRO Bank's earnings are expected to grow by 4.6% yearly, however this is not considered high growth (20% yearly).

ABN AMRO Bank's revenue growth is positive but not above the United States of America market average.

ABN AMRO Bank's earnings growth is positive but not above the United States of America market average.

ABN AMRO Bank's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

ABN AMRO Bank is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).


Next Steps

Past Performance

How has ABN AMRO Bank performed over the past 5 years?

15.8%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

ABN AMRO Bank's year on year earnings growth rate has been positive over the past 5 years.

ABN AMRO Bank's 1-year earnings growth is negative, it can't be compared to the 5-year average.

ABN AMRO Bank's 1-year earnings growth is negative, it can't be compared to the US Banks industry average.


Return on Equity

ABN AMRO Bank has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

ABN AMRO Bank used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if ABN AMRO Bank improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

  • Explore strong past performing companies in the Banks industry.

Financial Health

How is ABN AMRO Bank's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

ABN AMRO Bank has an acceptable proportion of non-loan assets held.

ABN AMRO Bank has a low allowance for bad loans.

ABN AMRO Bank's liabilities are made up of primarily low risk sources of funding.

ABN AMRO Bank's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at ABN AMRO Bank are broadly funded by customer deposits.

ABN AMRO Bank has a high level of bad loans (greater than 2%).


Next Steps

Dividend

What is ABN AMRO Bank's current dividend yield, its reliability and sustainability?

9.72%

Expected Dividend Yield


Dividend Yield and Payments Analysis

ABN AMRO Bank's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

ABN AMRO Bank's dividend is above the markets top 25% of dividend payers in United States of America (3.83%).

ABN AMRO Bank has been paying a dividend for less than 10 years and during this time payments have been volatile (annual drop of over 20%).

Dividend payments have increased, but ABN AMRO Bank only paid a dividend in the past 3 years.


Current Payout to Shareholders

Dividends paid are covered by earnings (1.6x coverage).


Future Payout to Shareholders

Dividends after 3 years are expected to be covered by earnings (1.4x coverage).


Next Steps

Management

What is the CEO of ABN AMRO Bank's salary, the management and board of directors tenure and is there insider trading?

1.8yrs

Average management tenure


CEO

Kees van Dijkhuizen (64yo)

2.6yrs

Tenure

€970,000

Compensation

Mr. Kees C. van Dijkhuizen is the Chairman of the Managing Board and CEO of ABN AMRO Incorporated, ABN AMRO Group N.V. and ABN AMRO Bank N.V. since January 1, 2017. He was appointed to the Managing Boards  ...


CEO Compensation Analysis

Kees's remuneration is lower than average for companies of similar size in United States of America.

Kees's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

1.8yrs

Average Tenure

51yo

Average Age

The average tenure for the ABN AMRO Bank management team is less than 2 years, this suggests a new team.


Board Age and Tenure

3.0yrs

Average Tenure

61yo

Average Age

The tenure for the ABN AMRO Bank board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Clifford Abrahams (52yo)

    Vice-Chairman of Executive Board & CFO

    • Tenure: 1.4yrs
    • Compensation: €824.00k
  • Kees van Dijkhuizen (64yo)

    Chairman of Executive Board & CEO

    • Tenure: 2.6yrs
    • Compensation: €970.00k
  • Fred Bos

    Senior Managing Director of IPO

    • Tenure: 0.0yrs
  • Dies Donker

    Head of Investor Relations

    • Tenure: 0.0yrs
  • Gwendolyn Tunen

    Head of Compliance

    • Tenure: 0.0yrs
  • Tanja J. A. Cuppen (50yo)

    Chief Risk Officer & Member of the Executive Board

    • Tenure: 1.8yrs
    • Compensation: €824.00k
  • Gert-Jan Meppelink (51yo)

    Chief of Human Resource

    • Tenure: 1.8yrs
  • Hugo Peek

    Regional Head of EMEA for Corporate & Institutional Banking

    • Tenure: 0.0yrs
  • Christian Bornfeld (43yo)

    Chief Innovation & Technology Officer and Member of the Executive Board

    • Tenure: 1.4yrs
    • Compensation: €789.40k
  • Jeroen van Maarschalkerweerd

    Head of Media Relations & PR

    • Tenure: 0.0yrs

Board Members

  • Tom de Swaan (73yo)

    Chairman of the Supervisory Board

    • Tenure: 1.1yrs
  • Jurgen B. Stegmann (59yo)

    Member of Supervisory Board

    • Tenure: 3.0yrs
  • Annemieke J. Roobeek (61yo)

    Member of Supervisory Board

    • Tenure: 9.4yrs
  • J. S. Tiemstra (67yo)

    Member of Supervisory Board

    • Tenure: 3.3yrs
  • Anna Storåkers (45yo)

    Supervisory Board Member

    • Tenure: 0.3yrs
  • Michiel Lap (57yo)

    Supervisory Board Member

    • Tenure: 0.3yrs
  • Arjen Dorland (64yo)

    Member of Supervisory Board

    • Tenure: 3.3yrs

Company Information

ABN AMRO Bank N.V.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: ABN AMRO Bank N.V.
  • Ticker: ABNR.Y
  • Exchange: OTCPK
  • Founded: 2009
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: €14.993b
  • Listing Market Cap: €16.818b
  • Shares outstanding: 940.00m
  • Website: https://www.abnamro.com

Number of Employees


Location

  • ABN AMRO Bank N.V.
  • Gustav Mahlerlaan 10
  • Amsterdam
  • Noord-Holland
  • 1082 PP
  • Netherlands

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
ABNENXTAM (Euronext Amsterdam)YesDR EACH REP SHSNLEURNov 2015
AB2DB (Deutsche Boerse AG)YesDR EACH REP SHSDEEURNov 2015
0RDMLSE (London Stock Exchange)YesDR EACH REP SHSGBEURNov 2015
ABNWBAG (Wiener Boerse AG)YesDR EACH REP SHSATEURNov 2015
ABNR.YOTCPK (Pink Sheets LLC)UNSPONR ADRUSUSDMay 2017
AAVM.YOTCPK (Pink Sheets LLC)UNSPONSORD ADSUSUSDAug 2019

Biography

ABN AMRO Bank N.V. provides various banking products and services in the Netherlands and internationally. It operates through Retail Banking, Commercial Banking, Private Banking, and Corporate & Institutio ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/10 01:10
End of Day Share Price2019/08/08 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.