Liberbank, S.A. provides various banking products and services for households, SMEs, and self-employed customers in Spain and internationally.
Good value with proven track record.
Share Price & News
How has Liberbank's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: LBBR.F has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: Insufficient data to determine how LBBR.F performed against the US Banks industry.
Return vs Market: Insufficient data to determine how LBBR.F performed against the US Market.
Price Volatility Vs. Market
How volatile is Liberbank's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Liberbank undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate LBBR.F's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate LBBR.F's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: LBBR.F is good value based on its PE Ratio (4.5x) compared to the US Banks industry average (9.6x).
PE vs Market: LBBR.F is good value based on its PE Ratio (4.5x) compared to the US market (17.1x).
Price to Earnings Growth Ratio
PEG Ratio: LBBR.F is good value based on its PEG Ratio (0.2x)
Price to Book Ratio
PB vs Industry: LBBR.F is good value based on its PB Ratio (0.2x) compared to the US Banks industry average (0.8x).
How is Liberbank forecast to perform in the next 1 to 3 years based on estimates from 11 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: LBBR.F's forecast earnings growth (20.3% per year) is above the savings rate (2.2%).
Earnings vs Market: LBBR.F's earnings (20.3% per year) are forecast to grow slower than the US market (22.6% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: LBBR.F's revenue is expected to decline over the next 3 years (-0.4% per year).
High Growth Revenue: LBBR.F's revenue is forecast to decline over the next 3 years (-0.4% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: LBBR.F's Return on Equity is forecast to be low in 3 years time (2.7%).
How has Liberbank performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: LBBR.F has high quality earnings.
Growing Profit Margin: LBBR.F's current net profit margins (19.4%) are higher than last year (18.7%).
Past Earnings Growth Analysis
Earnings Trend: LBBR.F's earnings have declined by 8.4% per year over the past 5 years.
Accelerating Growth: LBBR.F's earnings growth over the past year (8.5%) exceeds its 5-year average (-8.4% per year).
Earnings vs Industry: LBBR.F earnings growth over the past year (8.5%) exceeded the Banks industry 0.5%.
Return on Equity
High ROE: LBBR.F's Return on Equity (3.5%) is considered low.
How is Liberbank'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: LBBR.F's Assets to Equity ratio (13.9x) is moderate.
Allowance for Bad Loans: LBBR.F has a low allowance for bad loans (50%).
Low Risk Liabilities: 92% of LBBR.F's liabilities are made up of primarily low risk sources of funding.
Loan Level: LBBR.F has an appropriate level of Loans to Assets ratio (61%).
Low Risk Deposits: LBBR.F's Loans to Deposits ratio (71%) is appropriate.
Level of Bad Loans: LBBR.F has a high level of bad loans (3.1%).
What is Liberbank current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: LBBR.F's dividend (4.36%) is higher than the bottom 25% of dividend payers in the US market (1.64%).
High Dividend: LBBR.F's dividend (4.36%) is low compared to the top 25% of dividend payers in the US market (4.47%).
Stability and Growth of Payments
Stable Dividend: Too early to tell whether LBBR.F's dividend payments have been stable as they only just started paying a dividend.
Growing Dividend: Too early to tell if LBBR.F's dividend payments are increasing as they only just started paying a dividend.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (19.6%), LBBR.F's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: LBBR.F's dividends in 3 years are forecast to be well covered by earnings (33.6% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Manuel Menendez Menendez (61 yo)
Mr. Manuel Menéndez Menéndez serves as Chief Executive Officer of Liberbank, SA since 2014 and also serves as its Director since May 5, 2011. He serves as the President of the Board of Directors at CAJA DE ...
CEO Compensation Analysis
Compensation vs Market: Manuel's total compensation ($USD512.91K) is below average for companies of similar size in the US market ($USD2.12M).
Compensation vs Earnings: Manuel's compensation has been consistent with company performance over the past year.
|CEO & Director||no data||€441.00k||0.058% |
|Independent Director||8.58yrs||€140.00k||no data|
|Independent Director||5.25yrs||€140.00k||0.0060% |
|Independent President of the Board||5.75yrs||€190.00k||0.0080% |
|Director||2.33yrs||no data||0.018% |
|Independent External Director||0.42yr||no data||no data|
Experienced Board: LBBR.F's board of directors are considered experienced (5.8 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.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Liberbank, S.A.'s company bio, employee growth, exchange listings and data sources
- Name: Liberbank, S.A.
- Ticker: LBBR.F
- Exchange: OTCPK
- Founded: 2011
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: €488.344m
- Listing Market Cap: €567.974m
- Shares outstanding: 3.04b
- Website: https://www.liberbank.es
Number of Employees
- Liberbank, S.A.
- Camino Fuente de la Mora, 5
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|LBK||BME (Bolsas y Mercados Espanoles)||Yes||Ordinary Shares||ES||EUR||May 2013|
|L6BA||DB (Deutsche Boerse AG)||Yes||Ordinary Shares||DE||EUR||May 2013|
|0RE4||LSE (London Stock Exchange)||Yes||Ordinary Shares||GB||EUR||May 2013|
|LBKE||BATS-CHIXE (BATS 'Chi-X Europe')||Yes||Ordinary Shares||GB||EUR||May 2013|
|LBBR.F||OTCPK (Pink Sheets LLC)||Yes||Ordinary Shares||US||USD||May 2013|
Liberbank, S.A. provides various banking products and services for households, SMEs, and self-employed customers in Spain and internationally. The company offers deposits and accounts; cards; mortgages and ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/07/25 00:32|
|End of Day Share Price||2020/04/27 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.