Ringkjøbing Landbobank RILBA.CO
DenmarkFinancial Services · Banks - RegionalNasdaq Copenhague · DKK
1,922.50 DKK (+5.9%)
4 analysts
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Ringkjøbing Landbobank is a regional Danish bank offering traditional financial services (retail banking, loans, deposits, and wealth management) to private individuals and businesses, primarily in the West Jutland region.
Listed on Nasdaq Copenhague · Symbol RILBA.CO · CPH: RILBA · Currency DKK
Key points
from its scores- ✓High-quality business9.8
- ✓Favourable backdrop8.8
- ✓Very solid balance sheet7.1
- ✕Demanding valuation3.3
- ✕Little or no dividend3.5
AI analysis
bottom line, main risk, context and newsExcellent quality and profitability, but valuation and dividend limit short-term upside potential.
Ringkjøbing Landbobank shows solid financial health (ROE 20.29%, ROA 2.69%) and exceptional quality (net margin 55.26%), with earnings growth of 18.80%. However, its valuation (P/E 19.85) and dividend (0.58%) are less attractive, balancing its profile.
The main risk is geographic concentration in a specific region of Denmark, which limits diversification and exposes the bank to local economic cycles.
Context and risks
The company operates in Denmark, a country with solid institutions and minority shareholder protection, but the moderate governance/regulatory risk profile assigned to the country justifies a slight penalty. There are no recent news or specific geopolitical or regulatory exposure beyond standard EU banking supervision.
Is Ringkjøbing Landbobank stock cheap or expensive?
at the analysis dateOn P/E and Price / book, it trades 73% above the Financial Services median on average.
| Multiple | Company | Sector | Difference |
|---|---|---|---|
| P/E | 19.9 | 13.7 | +45% |
| Price / book | 3.7 | 1.9 | +101% |
| Price / sales | 10.2 | 3.5 | +195% |
Sector: median of the 351 Financial Services companies analysed. In bold, the multiples used for the comparison.
Valuation score: 3.3 out of 10 (median for Financial Services: 5.2).
Average analyst target: 1,922.50 DKK, +5.9% versus the price.
A premium can be justified if the company is of higher quality or grows faster than its sector: Quality / Moat 9.8 (sector 8.8), Growth 6.6 (sector 6.9).
Classic formulas with standard assumptions (10.0% growth, 8-9% discount rate). Indicative only: they change a lot with the assumptions and are not a recommendation.
Work out its fair value yourself →How much would you have made investing every month? →
Comparing it with its sector does not say whether it is a good buy: this is not investment advice.
Score by category
0 to 10 · hover overtap each one to see what it measuresKey metrics
at the analysis date · compared with the Financial Services medianValuation
- P/E
- 19.9
- Forward P/E
- 15.7
- Price / book
- 3.7
- Price / sales
- 10.2
- PEG
- 2.15
- Market cap
- 42.7B DKK
- Enterprise value
- 51.3B DKK
Profitability
- ROE
- 20.3%
- ROA
- 2.7%
- ROIC (approx.)
- 13.0%
- Gross margin
- 0.0%
- Operating margin
- 73.3%
- Net margin
- 55.3%
Solvency
- Total debt
- 12.2B DKK
- Net debt
- 8.1B DKK
- Cash
- 4.1B DKK
Growth
- Revenue growth
- +5.9%
- Earnings growth
- +18.8%
- EPS (TTM)
- 91.43 DKK
- EPS (forward)
- 115.76 DKK
Dividend
- Dividend yield
- 0.7%
- Payout
- 13.1%
Risk and market
- Beta
- 0.30
- Analyst consensus
- Strong buy (4)
- Target price
- 1,922.50 DKK
- 52-week range
- 1,366.00 – 1,896.00
Recent news
All RILBA.CO news →Compare it with its sector
All 351 in Financial Services →Frequently asked questions about Ringkjøbing Landbobank
Is Ringkjøbing Landbobank stock cheap or expensive?
On P/E and Price / book, it trades 73% above the Financial Services median on average. Valuation score: 3.3 out of 10 (median for Financial Services: 5.2). Average analyst target: 1,922.50 DKK, +5.9% versus the price. This is not investment advice.
What score does Ringkjøbing Landbobank get on MeridIAn Screener?
It scores 6.5 out of 10, rank 567 of 2,130 (better than 72% of the companies analysed). Its strongest category is Quality / Moat (9.8) and its weakest, Valuation (3.3). Analysis of 08/10/2026.
What is Ringkjøbing Landbobank's P/E ratio?
Its P/E is 19.9: the share price equals 19.9 times earnings per share over the last 12 months. The Financial Services median is 13.7. Based on the earnings analysts expect, the forward P/E is 15.7.
How much is Ringkjøbing Landbobank worth on the stock market?
Its market capitalisation is 42.7B DKK.
Does Ringkjøbing Landbobank pay a dividend?
Yes: its dividend yield is 0.66% and it pays out 13% of its earnings.
How has Ringkjøbing Landbobank stock performed over the last year?
It has risen 26.3% over the last year, excluding dividends. Over the last 52 weeks it has traded between 1,366.00 and 1,896.00 DKK. Past performance does not guarantee future results.
What do analysts think of Ringkjøbing Landbobank?
4 analysts cover it; their average recommendation is “Strong buy” and their average target is 1,922.50 DKK (+5.9% versus the price). It is an estimate, not market data.