-0.94%
-4.59%
2.11%
2.56%
3.28%
34.57%
131.41%
AI Spotlight on RILBA
Company Description
Ringkjøbing Landbobank A/S provides various banking products and services in Denmark.It offers various deposit products; loans and guarantees; mortgage credit commission; securities trading; asset management; custody accounts; foreign exchange; and payment handling services.Ringkjøbing Landbobank A/S was founded in 1886 and is headquartered in Ringkøbing, Denmark.
Market Data
| Last Price | 1164 |
| Change Percentage | -0.94% |
| Open | 1170 |
| Previous Close | 1175 |
| Market Cap ( Millions) | 29985 |
| Volume | 23029 |
| Year High | 1268 |
| Year Low | 1029 |
| M A 50 | 1187.6 |
| M A 200 | 1152.11 |
Financial Ratios
| FCF Yield | 0.12% |
| Dividend Yield | 0.86% |
| ROE | 22.53% |
| Debt / Equity | 84.42% |
| Net Debt / EBIDTA | 155.36% |
| Price To Book | 2.77 |
| Price Earnings Ratio | 12.58 |
| Price To FCF | 839.02 |
| Price To sales | 6.26 |
| EV / EBITDA | 10.83 |
News
- 09:41 - Share buyback programme – week 5
- Jan -28 - Implementation of share buyback programme
- Jan -28 - Share buyback programme - conclusion
- Jan -27 - Share buyback programme - week 4
- Jan -20 - Share buyback programme - week 3
- Jan -13 - Share buyback programme - week 2
- Jan -06 - Share buyback programme - week 1
- Dec -30 - Share buyback programme - week 52
- Dec -23 - Share buyback programme - week 51
- Dec -16 - Share buyback programme - week 50
- Dec -09 - Share buyback programme - week 49
- Dec -02 - Share buyback programme - week 48
- Nov -25 - Share buyback programme - week 47
- Nov -18 - Share buyback programme - week 46
- Nov -11 - Share buyback programme - week 45
- Nov -04 - Share buyback programme - week 44
- Oct -28 - Share buyback programme - week 43
- Oct -23 - Ringkjøbing Landbobank’s quarterly report for the first three quarters of 2024
- Oct -21 - Share buyback programme - week 42
- Oct -14 - Share buyback programme - week 41
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Banking and Related Activities
Expected Growth : 1.0 %
What the company do ?
Ringkjøbing Landbobank A/S provides banking and related activities, including lending, deposit-taking, and payment services to individuals and businesses in Denmark.
Why we expect these perspectives ?
Ringkjøbing Landbobank A/S's 1.0% growth in Banking and Related Activities is driven by increasing demand for mortgage lending, steady growth in deposits, and a stable interest rate environment. Additionally, the bank's focus on digitalization and cost optimization efforts have improved operational efficiency, contributing to the moderate growth.
Ringkjøbing Landbobank A/S Products
| Product Range | What is it ? |
|---|---|
| Personal Banking | Ringkjøbing Landbobank A/S offers a range of personal banking services, including current and savings accounts, credit cards, and personal loans. |
| Business Banking | The bank provides business banking services, including business accounts, loans, and credit facilities, to support the growth and development of businesses. |
| Mortgage Loans | Ringkjøbing Landbobank A/S offers mortgage loans for individuals and businesses to purchase or refinance properties. |
| Investment Services | The bank provides investment services, including investment advice, portfolio management, and brokerage services. |
| Insurance Services | Ringkjøbing Landbobank A/S offers a range of insurance products, including life insurance, pension insurance, and non-life insurance. |
| Online Banking | The bank provides online banking services, allowing customers to manage their accounts, pay bills, and transfer funds online. |
Ringkjøbing Landbobank A/S's Porter Forces
Threat Of Substitutes
The threat of substitutes for Ringkjøbing Landbobank A/S is moderate due to the presence of alternative banking services and digital payment platforms.
Bargaining Power Of Customers
The bargaining power of customers is low for Ringkjøbing Landbobank A/S as customers have limited negotiating power and the bank has a strong market presence.
Bargaining Power Of Suppliers
The bargaining power of suppliers is moderate for Ringkjøbing Landbobank A/S as the bank relies on a few large suppliers for its operations, but has some negotiating power due to its size.
Threat Of New Entrants
The threat of new entrants is low for Ringkjøbing Landbobank A/S due to the high barriers to entry in the banking industry, including regulatory requirements and capital requirements.
Intensity Of Rivalry
The intensity of rivalry is high for Ringkjøbing Landbobank A/S due to the presence of several established banks and financial institutions in the market, leading to intense competition.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 53.10% |
| Debt Cost | 6.75% |
| Equity Weight | 46.90% |
| Equity Cost | 6.75% |
| WACC | 6.75% |
| Leverage | 113.21% |
Ringkjøbing Landbobank A/S : Quality Control
Ringkjøbing Landbobank A/S passed 4 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| CMBN.SW | Cembra Money Bank AG provides consumer finance products and services in Switzerland. The company offers savings products, including medium-term notes and deposit accounts; loans comprising cash, consumer, personal, business, and … |
| AIBG.L | AIB Group plc provides banking and financial products and services to retail, business, and corporate customers. It operates through Retail Banking, Corporate Institutional & Business Banking, AIB UK, and Group … |
| AZA.ST | Avanza Bank Holding AB (publ) provides online stock trading services in Sweden. The company offers share and fund, investment savings, endowment insurance, endowment child insurance, external deposit, and pension insurance … |
| JYSK.CO | Jyske Bank A/S provides various financial solutions in Denmark and Germany. It operates through Banking Activities, Mortgage Activities, and Leasing Activities segments. The Banking Activities segment provides advisory services relating … |
| BCP.LS | Banco Comercial Português, S.A., together with its subsidiaries, provides various banking and financial products and services under the Millennium bcp brand. It operates through Retail Banking; Companies, Corporate & Investment … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
🥇
Cembra Money Bank
A-Score
1-Year Total Return ->
🥈
Avanza Bank
A-Score
1-Year Total Return ->
🥉
BCP
A-Score
1-Year Total Return ->
4
AIB
A-Score
1-Year Total Return ->
5
Ringkjøbing Landbobank
A-Score
1-Year Total Return ->
6
