Ålandsbanken Abp Logo

Ålandsbanken Abp

ALBBV.HE

(1.8)
Stock Price

33,40 EUR

1.21% ROA

19.04% ROE

9.08x PER

Market Cap.

522.583.026,00 EUR

304.61% DER

0.74% Yield

26.52% NPM

Ålandsbanken Abp Stock Analysis

Ålandsbanken Abp Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Ålandsbanken Abp Fundamental Stock Analysis
# Analysis Rating
1 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

2 ROE

The stock's ROE falls within an average range (13.47%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

3 ROA

The stock's ROA (0.79%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

4 PBV

The stock's PBV ratio (1.49x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

5 Graham Number

The company's Graham number suggests that its stock price is underestimated, implying that it may present a compelling investment opportunity.

6 Buffet Intrinsic Value

The company's stock seems undervalued (185) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

7 DER

The stock is burdened with a heavy load of debt (257%), making it financially unstable and potentially risky for investors.

8 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

9 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

10 Assets Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

11 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

Ålandsbanken Abp Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Ålandsbanken Abp Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Buy

Ålandsbanken Abp Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Ålandsbanken Abp Revenue
Year Revenue Growth
2004 47.148.000
2005 49.760.000 5.25%
2006 60.882.000 18.27%
2007 75.815.000 19.7%
2008 74.015.000 -2.43%
2009 88.360.000 16.23%
2010 102.528.000 13.82%
2011 99.753.000 -2.78%
2012 104.109.000 4.18%
2013 107.582.000 3.23%
2014 120.492.000 10.71%
2015 124.958.000 3.57%
2016 120.130.000 -4.02%
2017 127.779.000 5.99%
2018 127.593.000 -0.15%
2019 133.809.000 4.65%
2020 150.000.000 10.79%
2021 175.488.000 14.52%
2022 174.108.000 -0.79%
2023 204.800.000 14.99%
2023 202.400.000 -1.19%
2024 225.200.000 10.12%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Ålandsbanken Abp Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Ålandsbanken Abp General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 8.664.000
2005 0 0%
2006 6.378.000 100%
2007 7.026.000 9.22%
2008 7.424.000 5.36%
2009 12.317.000 39.73%
2010 13.499.000 8.76%
2011 14.961.000 9.77%
2012 15.310.000 2.28%
2013 1.286.000 -1090.51%
2014 1.037.000 -24.01%
2015 12.000 -8541.67%
2016 21.000 42.86%
2017 21.000 0%
2018 4.000 -425%
2019 4.000 0%
2020 5.000 20%
2021 33.800.000 99.99%
2022 3.440.000 -882.56%
2023 0 0%
2023 3.245.000 100%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Ålandsbanken Abp EBITDA
Year EBITDA Growth
2004 35.898.634
2005 43.232.906 16.96%
2006 65.973.000 34.47%
2007 104.121.000 36.64%
2008 119.243.000 12.68%
2009 76.996.000 -54.87%
2010 39.800.000 -93.46%
2011 42.541.000 6.44%
2012 62.437.000 31.87%
2013 50.109.000 -24.6%
2014 58.280.000 14.02%
2015 57.235.000 -1.83%
2016 42.533.000 -34.57%
2017 41.276.000 -3.05%
2018 44.074.000 6.35%
2019 45.029.000 2.12%
2020 52.022.000 13.44%
2021 63.459.000 18.02%
2022 72.700.000 12.71%
2023 88.800.000 18.13%
2023 74.000.000 -20%
2024 13.600.000 -444.12%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Ålandsbanken Abp Gross Profit
Year Gross Profit Growth
2004 47.148.000
2005 49.760.000 5.25%
2006 60.882.000 18.27%
2007 75.815.000 19.7%
2008 74.015.000 -2.43%
2009 88.360.000 16.23%
2010 102.528.000 13.82%
2011 99.753.000 -2.78%
2012 104.109.000 4.18%
2013 107.582.000 3.23%
2014 120.492.000 10.71%
2015 124.958.000 3.57%
2016 120.130.000 -4.02%
2017 127.779.000 5.99%
2018 127.530.000 -0.2%
2019 133.809.000 4.69%
2020 150.000.000 10.79%
2021 175.488.000 14.52%
2022 174.108.000 -0.79%
2023 204.800.000 14.99%
2023 202.400.000 -1.19%
2024 225.200.000 10.12%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Ålandsbanken Abp Net Profit
Year Net Profit Growth
2004 11.092.000
2005 13.578.000 18.31%
2006 14.696.000 7.61%
2007 20.223.000 27.33%
2008 14.027.000 -44.17%
2009 26.165.000 46.39%
2010 -2.268.000 1253.66%
2011 -6.472.000 64.96%
2012 11.558.000 156%
2013 6.692.000 -72.71%
2014 16.146.000 58.55%
2015 24.303.000 33.56%
2016 19.687.000 -23.45%
2017 20.704.000 4.91%
2018 22.931.000 9.71%
2019 26.310.000 12.84%
2020 31.486.000 16.44%
2021 39.849.000 20.99%
2022 36.762.000 -8.4%
2023 60.400.000 39.14%
2023 48.672.000 -24.1%
2024 50.400.000 3.43%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Ålandsbanken Abp Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 1
2005 1 100%
2006 1 0%
2007 2 0%
2008 1 0%
2009 2 0%
2010 0 0%
2011 -1 0%
2012 1 0%
2013 0 0%
2014 1 100%
2015 2 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 2 0%
2020 2 50%
2021 3 0%
2022 2 0%
2023 4 33.33%
2023 3 0%
2024 3 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Ålandsbanken Abp Free Cashflow
Year Free Cashflow Growth
2004 -81.178
2005 -174.475 53.47%
2006 -106.041.000 99.84%
2007 43.551.000 343.49%
2008 110.025.000 60.42%
2009 -67.017.000 264.17%
2010 -62.548.000 -7.14%
2011 -58.030.000 -7.79%
2012 -143.782.000 59.64%
2013 -386.061.000 62.76%
2014 -118.726.000 -225.17%
2015 -122.927.000 3.42%
2016 194.656.000 163.15%
2017 -142.232.000 236.86%
2018 -94.203.000 -50.98%
2019 -41.529.000 -126.84%
2020 530.705.000 107.83%
2021 249.263.000 -112.91%
2022 -486.423.000 151.24%
2023 104.500.000 565.48%
2023 52.200.000 -100.19%
2024 72.000.000 27.5%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Ålandsbanken Abp Operating Cashflow
Year Operating Cashflow Growth
2004 -77.305
2005 -170.221 54.59%
2006 -103.522.000 99.84%
2007 52.379.000 297.64%
2008 124.671.000 57.99%
2009 -60.453.000 306.23%
2010 -57.826.000 -4.54%
2011 -54.944.000 -5.25%
2012 -139.790.000 60.7%
2013 -380.540.000 63.27%
2014 -115.099.000 -230.62%
2015 -116.945.000 1.58%
2016 205.385.000 156.94%
2017 -134.561.000 252.63%
2018 -84.022.000 -60.15%
2019 -35.038.000 -139.8%
2020 535.835.000 106.54%
2021 258.054.000 -107.64%
2022 -478.725.000 153.9%
2023 106.400.000 549.93%
2023 61.000.000 -74.43%
2024 75.300.000 18.99%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Ålandsbanken Abp Capital Expenditure
Year Capital Expenditure Growth
2004 3.873
2005 4.254 8.96%
2006 2.519.000 99.83%
2007 8.828.000 71.47%
2008 14.646.000 39.72%
2009 6.564.000 -123.13%
2010 4.722.000 -39.01%
2011 3.086.000 -53.01%
2012 3.992.000 22.7%
2013 5.521.000 27.69%
2014 3.627.000 -52.22%
2015 5.982.000 39.37%
2016 10.729.000 44.24%
2017 7.671.000 -39.86%
2018 10.181.000 24.65%
2019 6.491.000 -56.85%
2020 5.130.000 -26.53%
2021 8.791.000 41.64%
2022 7.698.000 -14.2%
2023 1.900.000 -305.16%
2023 8.800.000 78.41%
2024 3.300.000 -166.67%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Ålandsbanken Abp Equity
Year Equity Growth
2004 111.074.000
2005 112.457.000 1.23%
2006 122.169.000 7.95%
2007 134.966.000 9.48%
2008 138.495.000 2.55%
2009 162.199.000 14.61%
2010 155.042.000 -4.62%
2011 180.561.000 14.13%
2012 185.991.000 2.92%
2013 184.082.000 -1.04%
2014 195.878.000 6.02%
2015 212.882.000 7.99%
2016 221.811.000 4.03%
2017 233.635.000 5.06%
2018 242.383.000 3.61%
2019 258.354.000 6.18%
2020 292.367.000 11.63%
2021 331.918.000 11.92%
2022 316.445.000 -4.89%
2023 317.000.000 0.18%
2023 334.016.000 5.09%
2024 282.000.000 -18.45%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Ålandsbanken Abp Assets
Year Assets Growth
2004 1.983.165.000
2005 2.169.510.000 8.59%
2006 2.188.616.000 0.87%
2007 2.592.037.000 15.56%
2008 2.769.731.000 6.42%
2009 3.379.308.000 18.04%
2010 3.475.430.000 2.77%
2011 3.400.490.000 -2.2%
2012 3.637.226.000 6.51%
2013 3.886.655.000 6.42%
2014 4.292.372.000 9.45%
2015 4.602.204.000 6.73%
2016 5.136.794.000 10.41%
2017 5.352.514.000 4.03%
2018 5.557.791.000 3.69%
2019 5.607.500.000 0.89%
2020 6.035.058.000 7.08%
2021 6.634.639.000 9.04%
2022 5.897.719.000 -12.5%
2023 5.196.000.000 -13.5%
2023 5.342.000.000 2.73%
2024 4.782.000.000 -11.71%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Ålandsbanken Abp Liabilities
Year Liabilities Growth
2004 1.872.091.000
2005 2.057.053.000 8.99%
2006 2.066.447.000 0.45%
2007 2.457.071.000 15.9%
2008 2.631.236.000 6.62%
2009 3.217.109.000 18.21%
2010 3.320.388.000 3.11%
2011 3.219.929.000 -3.12%
2012 3.451.235.000 6.7%
2013 3.702.573.000 6.79%
2014 4.096.494.000 9.62%
2015 4.389.322.000 6.67%
2016 4.914.983.000 10.7%
2017 5.118.879.000 3.98%
2018 5.315.408.000 3.7%
2019 5.349.146.000 0.63%
2020 5.742.691.000 6.85%
2021 6.302.721.000 8.89%
2022 5.581.274.000 -12.93%
2023 816.000.000 -583.98%
2023 849.000.000 3.89%
2024 4.500.000.000 81.13%

Ålandsbanken Abp Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
14.12
Net Income per Share
3.74
Price to Earning Ratio
9.08x
Price To Sales Ratio
2.41x
POCF Ratio
4.05
PFCF Ratio
4.51
Price to Book Ratio
1.85
EV to Sales
5.01
EV Over EBITDA
20.74
EV to Operating CashFlow
8.43
EV to FreeCashFlow
9.35
Earnings Yield
0.11
FreeCashFlow Yield
0.22
Market Cap
0,52 Bil.
Enterprise Value
1,08 Bil.
Graham Number
39.37
Graham NetNet
-283.04

Income Statement Metrics

Net Income per Share
3.74
Income Quality
1.97
ROE
0.19
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.8
EBT Per Ebit
1
Ebit per Revenue
0.33
Effective Tax Rate
0.2

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.33
Pretax Profit Margin
0.33
Net Profit Margin
0.27

Dividends

Dividend Yield
0.01
Dividend Yield %
0.74
Payout Ratio
0.76
Dividend Per Share
0.25

Operating Metrics

Operating Cashflow per Share
8.39
Free CashFlow per Share
7.57
Capex to Operating CashFlow
0.1
Capex to Revenue
0.06
Capex to Depreciation
0.98
Return on Invested Capital
0.05
Return on Tangible Assets
0.01
Days Sales Outstanding
87.71
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
4.16
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.82

Balance Sheet

Cash per Share
19,35
Book Value per Share
18,40
Tangible Book Value per Share
17.03
Shareholders Equity per Share
18.4
Interest Debt per Share
63.16
Debt to Equity
3.05
Debt to Assets
0.18
Net Debt to EBITDA
10.75
Current Ratio
5.63
Tangible Asset Value
0,26 Bil.
Net Current Asset Value
-4,15 Bil.
Invested Capital
356000000
Working Capital
0,29 Bil.
Intangibles to Total Assets
0
Average Receivables
0,06 Bil.
Average Payables
0,00 Bil.
Average Inventory
-66800000
Debt to Market Cap
1.64

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Ålandsbanken Abp Dividends
Year Dividends Growth
2000 5
2001 6 20%
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 100%
2009 0 0%
2010 1 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 100%
2022 0 0%
2023 0 0%
2024 0 0%

Ålandsbanken Abp Profile

About Ålandsbanken Abp

Ålandsbanken Abp operates as a commercial bank in Finland and Sweden. Its deposit products include savings accounts, time deposits, cash accounts connected to securities accounts, and certificates of deposit. The company provides home mortgage loans, securities account loans, loans for business operations, and loans for other household purposes to private individuals; loans to companies, public sector entities, and household interest organizations; and credit and debit cards, as well as lending and guarantee commissions. It also offers investment services, such as discretionary and advisory asset management, fund management, and securities brokerage products and services, as well as cashier and payment intermediate services, bank safety deposit boxes, etc. In addition, the company supplies banking computer systems for small and medium-sized banks. It operates through 11 offices. The company was founded in 1919 and is headquartered in Mariehamn, Finland.

CEO
Mr. Peter Wiklof L.L.M.
Employee
951
Address
Nygatan 2
Mariehamn, 22100

Ålandsbanken Abp Executives & BODs

Ålandsbanken Abp Executives & BODs
# Name Age
1 Mr. Juhana Rauthovi
Chief Risk & Compliance Officer and Member of the Executive Team
70
2 Ms. Anne-Maria Salonius
Director of Finnish Mainland Business Area & Member of the Executive Team
70
3 Mr. Mikael Mörn
Director of the Åland Business Area & Member of the Executive Team
70
4 Mr. Magnus Johansson
Director of the Sweden Business Area & Member of the Executive Team
70
5 Linda Lund
Sustainability Manager & Head of HR
70
6 Ms. Tove Erikslund
Chief Administrative Officer & Member of the Executive Team
70
7 Carola Nilsson
Managing Director of Ålandsbanken Fondbolag Ab
70
8 Mr. Peter Wiklof L.L.M.
MD, Chief Executive Officer & Chairman of the Executive Team
70
9 Mr. Jan-Gunnar Eurell
Deputy MD, Chief Financial Officer & Member of the Executive Team
70
10 Ms. Sofie Holmstrom
Manager of the Partnerships Business Area & Member of Executive Team
70

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