Ringkjoebing Landbobank A/S (RILBA) Fair Value & Analysis
Financial Services · DK · Market cap 41.0B DKK (≈ $6.4B) · ISIN DK0060854669
What is Ringkjoebing Landbobank A/S really worth?
A solid business, but trading 94% above our fair value of kr 944.32.
Strengths
Risks
For context
Fair value as of: Aug 23, 2026
From 6 valuation models · updated 13 days ago
Share price +3.5% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price sits above even our optimistic bull case (kr 1,180). The favourable scenario is already priced in.
- Solid but not exceptional quality (57/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 23, 2026.
How to read this chart
60‑month range kr 592.38 – kr 1,832 · fair‑value band kr 708.24 – kr 1,180 · the kr 1,832 price screens above the kr 944.32 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 23, 2026.
Analysis
Ringkjoebing Landbobank A/S (RILBA) currently trades at kr 1,832, while our model-based Fair Value estimate is kr 944.32, implying the stock looks roughly 94.0% overvalued today. The Quality Score stands at 57/100 (solid quality), in the Financial Services sector. Bull case: the Economic Profit group reads highest at a median of kr 924.37 per share, and 0 of the 6 models we run sit above the kr 1,832 price. Bear case: the Dividend Discount group reads lowest at kr 108.91, and 6 of the 6 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, Ringkjoebing Landbobank A/S generated revenue of 4.1B DKK at a net margin of 55.3%. Revenue declined 2.4% year over year. It earns a return on equity of 20.4%. Net debt stands at 12.5B DKK. Fundamentals as of Aug 23, 2026
Our scenario range runs from kr 708.24 (bear case) to kr 1,180 (bull case); at kr 1,832, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 40% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −10% fair-value upside, at −48%, RILBA screens richer than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly kr 54.45 per share, which is 5.8 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 6 models by family
Widest divergence: Economic Profit (kr 924.37) versus Dividend Discount (kr 108.91). Highest evidence: Gordon GGM (66).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 23, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 49 · Market factors (momentum, volatility) 79
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Ringkjøbing Landbobank A/S provides various financial products and services in Denmark. It offers various deposit products; loans, credits, and guarantees; investment products; insurance and pension; and a range of financial services, including asset and investment management, and payment handling services.
Full company description
Ringkjøbing Landbobank A/S provides various financial products and services in Denmark. It offers various deposit products; loans, credits, and guarantees; investment products; insurance and pension; and a range of financial services, including asset and investment management, and payment handling services. The company also provides mortgages loans; securities trading; custody accounts; online and mobile banking; payment solutions; and wealth management services. Ringkjøbing Landbobank A/S was founded in 1886 and is headquartered in Ringkøbing, Denmark.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Ringkjoebing Landbobank A/S reported revenue of 5.0B DKK in FY2025 versus 2.6B DKK in FY2021, a compound +18.3%/yr. Reported net income was 2.3B DKK in FY2025, compounding +17.1%/yr from FY2021.
of which total revenue +18.3 % · buybacks/dilution −1.4 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
RILBA screens 94% overvalued. Compare with DBS Group →
Peer Group
Banks - Regional · 1071 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Insider activity: 45/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 23, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 75.65 SGD | 40.48 SGD | −46% |
| China Merchants Bank Co 3968 | HK$47.96 | HK$76.51 | +60% |
| Intesa Sanpaolo S.p.A ISP | €6.78 | €5.66 | −17% |
| HDFC Bank Limited HDB | $23.17 | $24.12 | +4% |
| BNP Paribas SA BNP | €102.56 | €144.64 | +41% |
| UniCredit S.p.A UCG | €84.71 | €77.62 | −8% |
| Mizuho Financial Group MFG | $10.74 | $9.69 | −10% |
| ICICI Bank Limited ICICIBANK | ₹1,443 | ₹835.21 | −42% |
| Oversea-Chinese Banking Corporation O39 | 31.07 SGD | 19.80 SGD | −36% |
| CaixaBank, S.A CABK | €13.52 | €8.85 | −35% |
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