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1. Company Snapshot

1.a. 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.

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1.b. Last Insights on RILBA

The recent performance of Ringkjøbing Landbobank A/S was driven by a series of positive developments. The company's share buyback programme, initiated in January 2025, has been a significant driver of its recent performance. The programme, which aims to purchase up to DKK 1,000 million worth of shares, has been implemented in compliance with regulatory requirements. This move is expected to reduce the number of outstanding shares, thereby enhancing shareholder value.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Share buyback programme - week 48

Dec -01

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Share buyback programme - week 47

Nov -24

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Share buyback programme - week 46

Nov -17

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Share buyback programme - week 45

Nov -10

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Ringkjøbing Landbobank (CPSE:RILBA): Exploring Valuation Following Recent Share Price Pullback

Nov -10

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Share buyback programme - week 44

Nov -03

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Ringkjøbing Landbobank issues Tier 2 capital

Oct -28

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Share buyback programme - week 43

Oct -27

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4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (1.00%)

6. Segments

Banking and Related Activities

Expected Growth: 1.0%

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.

7. Detailed Products

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.

8. Ringkjøbing Landbobank A/S's Porter Forces

Forces Ranking

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.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 53.10%
Debt Cost 6.75%
Equity Weight 46.90%
Equity Cost 6.75%
WACC 6.75%
Leverage 113.21%

11. Quality Control: Ringkjøbing Landbobank A/S passed 4 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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A-Score: 6.3/10

Value: 4.7

Growth: 6.0

Quality: 7.6

Yield: 1.2

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Volatility: 9.0

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A-Score: 6.1/10

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Quality: 6.6

Yield: 3.8

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

-108.94$

Current Price

1439$

Potential

-107.57%

Expected Cash-Flows