Lollands Bank A/S Logo

Lollands Bank A/S

LOLB.CO

(2.5)
Stock Price

545,00 DKK

11.49% ROA

12.44% ROE

5.72x PER

Market Cap.

594.000.000,00 DKK

8.05% DER

2.73% Yield

30.09% NPM

Lollands Bank A/S Stock Analysis

Lollands Bank A/S 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.

Lollands Bank A/S Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.76x), the stock offers substantial upside potential at a bargain price.

2 DER

The stock has a minimal amount of debt (9%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Assets Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

4 ROE

ROE in an average range (12.3%) suggests satisfactory profitability and decent utilization of shareholders' equity.

5 ROA

The stock's ROA (1.81%) 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.

6 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

7 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (3.512), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

8 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

9 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

10 Dividend Growth

The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns.

11 Dividend

The company's lack of dividends in the past three years may concern investors seeking regular income.

Lollands Bank A/S 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.

Lollands Bank A/S Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Lollands Bank A/S 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.

Lollands Bank A/S Revenue
Year Revenue Growth
2002 67.377.000
2003 88.426.000 23.8%
2004 81.649.000 -8.3%
2005 161.118.000 49.32%
2006 169.816.000 5.12%
2007 185.909.000 8.66%
2008 192.711.000 3.53%
2009 110.436.000 -74.5%
2010 114.281.000 3.36%
2011 -2.447.000 4770.25%
2012 124.007.000 101.97%
2013 130.912.000 5.27%
2014 205.016.000 36.15%
2015 175.287.000 -16.96%
2016 188.216.000 6.87%
2017 179.657.000 -4.76%
2018 191.269.000 6.07%
2019 208.976.000 8.47%
2020 206.437.000 -1.23%
2021 207.212.000 0.37%
2022 192.955.000 -7.39%
2023 293.312.000 34.22%
2023 328.069.000 10.59%
2024 343.396.000 4.46%

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.

Lollands Bank A/S Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 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.

Lollands Bank A/S General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 17.797.000
2003 15.765.000 -12.89%
2004 15.711.000 -0.34%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 25.097.000 100%
2013 24.198.000 -3.72%
2014 42.625.000 43.23%
2015 37.581.000 -13.42%
2016 38.054.000 1.24%
2017 43.415.000 12.35%
2018 47.780.000 9.14%
2019 124.116.000 61.5%
2020 122.448.000 -1.36%
2021 127.621.000 4.05%
2022 139.502.000 8.52%
2023 327.776.000 57.44%
2023 153.310.000 -113.8%
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.

Lollands Bank A/S EBITDA
Year EBITDA Growth
2002 31.448.000
2003 47.623.000 33.96%
2004 38.531.406 -23.6%
2005 30.631.000 -25.79%
2006 50.242.000 39.03%
2007 57.650.000 12.85%
2008 46.040.000 -25.22%
2009 38.434.000 -19.79%
2010 41.045.000 6.36%
2011 8.127.000 -405.04%
2012 21.330.000 61.9%
2013 41.210.000 48.24%
2014 -5.432.000 858.65%
2015 48.258.000 111.26%
2016 89.215.000 45.91%
2017 81.982.000 -8.82%
2018 84.288.000 2.74%
2019 64.793.000 -30.09%
2020 81.704.000 20.7%
2021 99.788.000 18.12%
2022 83.243.000 -19.88%
2023 123.716.000 32.71%
2023 945.000 -12991.64%
2024 1.500.000 37%

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.

Lollands Bank A/S Gross Profit
Year Gross Profit Growth
2002 67.377.000
2003 88.426.000 23.8%
2004 81.649.000 -8.3%
2005 161.118.000 49.32%
2006 169.816.000 5.12%
2007 185.909.000 8.66%
2008 192.711.000 3.53%
2009 110.436.000 -74.5%
2010 114.281.000 3.36%
2011 -2.447.000 4770.25%
2012 124.007.000 101.97%
2013 130.912.000 5.27%
2014 205.016.000 36.15%
2015 175.287.000 -16.96%
2016 188.216.000 6.87%
2017 179.657.000 -4.76%
2018 191.269.000 6.07%
2019 208.976.000 8.47%
2020 206.437.000 -1.23%
2021 207.212.000 0.37%
2022 192.955.000 -7.39%
2023 293.312.000 34.22%
2023 328.069.000 10.59%
2024 343.396.000 4.46%

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.

Lollands Bank A/S Net Profit
Year Net Profit Growth
2002 9.277.000
2003 26.301.000 64.73%
2004 20.413.000 -28.84%
2005 52.608.000 61.2%
2006 70.199.000 25.06%
2007 47.619.000 -47.42%
2008 4.248.000 -1020.97%
2009 12.333.000 65.56%
2010 19.545.000 36.9%
2011 5.407.000 -261.48%
2012 7.461.000 27.53%
2013 23.241.000 67.9%
2014 -19.652.000 218.26%
2015 30.249.000 164.97%
2016 63.306.000 52.22%
2017 61.336.000 -3.21%
2018 67.378.000 8.97%
2019 54.436.000 -23.77%
2020 62.689.000 13.16%
2021 73.615.000 14.84%
2022 56.662.000 -29.92%
2023 92.796.000 38.94%
2023 109.709.000 15.42%
2024 100.336.000 -9.34%

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.

Lollands Bank A/S Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 10
2003 29 64.29%
2004 22 -27.27%
2005 58 61.4%
2006 4 -1800%
2007 3 -50%
2008 5 50%
2009 69 94.12%
2010 111 38.18%
2011 30 -266.67%
2012 8 -275%
2013 23 65.22%
2014 -92 125.27%
2015 28 425%
2016 59 51.72%
2017 57 -3.57%
2018 62 9.68%
2019 50 -24%
2020 58 13.79%
2021 68 14.71%
2022 52 -30.77%
2023 0 0%
2023 102 100%
2024 93 -9.78%

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.

Lollands Bank A/S Free Cashflow
Year Free Cashflow Growth
2004 -1.127.408
2005 -36.593.000 96.92%
2006 11.830.000 409.32%
2007 46.822.000 74.73%
2008 -23.810.000 296.65%
2009 159.459.000 114.93%
2010 -15.357.000 1138.35%
2011 53.311.000 128.81%
2012 166.253.000 67.93%
2013 -168.581.000 198.62%
2014 -6.693.000 -2418.77%
2015 -7.624.000 12.21%
2016 -170.869.000 95.54%
2017 -27.643.000 -518.13%
2018 9.223.000 399.72%
2019 142.816.000 93.54%
2020 266.214.000 46.35%
2021 -88.785.000 399.84%
2022 45.314.000 295.93%
2023 -164.513.000 127.54%
2024 0 0%

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.

Lollands Bank A/S Operating Cashflow
Year Operating Cashflow Growth
2004 45.592
2005 -35.808.000 100.13%
2006 12.416.000 388.4%
2007 47.200.000 73.69%
2008 -22.757.000 307.41%
2009 159.652.000 114.25%
2010 -14.393.000 1209.23%
2011 53.311.000 127%
2012 166.296.000 67.94%
2013 -168.319.000 198.8%
2014 -6.345.000 -2552.78%
2015 -5.875.000 -8%
2016 -170.281.000 96.55%
2017 -27.444.000 -520.47%
2018 12.658.000 316.81%
2019 144.402.000 91.23%
2020 266.214.000 45.76%
2021 -88.785.000 399.84%
2022 45.934.000 293.29%
2023 -162.301.000 128.3%
2024 0 0%

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.

Lollands Bank A/S Capital Expenditure
Year Capital Expenditure Growth
2004 1.173.000
2005 785.000 -49.43%
2006 586.000 -33.96%
2007 378.000 -55.03%
2008 1.053.000 64.1%
2009 193.000 -445.6%
2010 964.000 79.98%
2011 0 0%
2012 43.000 100%
2013 262.000 83.59%
2014 348.000 24.71%
2015 1.749.000 80.1%
2016 588.000 -197.45%
2017 199.000 -195.48%
2018 3.435.000 94.21%
2019 1.586.000 -116.58%
2020 0 0%
2021 0 0%
2022 620.000 100%
2023 2.212.000 71.97%
2024 0 0%

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.

Lollands Bank A/S Equity
Year Equity Growth
2002 140.169.000
2003 161.894.000 13.42%
2004 177.733.000 8.91%
2005 18.300.000 -871.22%
2006 235.204.000 92.22%
2007 262.067.000 10.25%
2008 255.967.000 -2.38%
2009 268.982.000 4.84%
2010 286.528.000 6.12%
2011 289.114.000 0.89%
2012 295.716.000 2.23%
2013 354.937.000 16.68%
2014 334.861.000 -6%
2015 366.118.000 8.54%
2016 423.851.000 13.62%
2017 474.420.000 10.66%
2018 510.319.000 7.03%
2019 556.900.000 8.36%
2020 614.189.000 9.33%
2021 687.111.000 10.61%
2022 726.668.000 5.44%
2023 831.005.000 12.56%
2023 800.604.000 -3.8%
2024 866.359.000 7.59%

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.

Lollands Bank A/S Assets
Year Assets Growth
2002 967.974.000
2003 1.036.911.000 6.65%
2004 1.127.898.000 8.07%
2005 1.142.839.000 1.31%
2006 1.469.395.000 22.22%
2007 1.576.814.000 6.81%
2008 1.564.310.000 -0.8%
2009 1.753.352.000 10.78%
2010 1.729.614.000 -1.37%
2011 1.658.861.000 -4.27%
2012 1.699.943.000 2.42%
2013 2.763.331.000 38.48%
2014 2.693.834.000 -2.58%
2015 2.690.633.000 -0.12%
2016 2.970.370.000 9.42%
2017 3.250.239.000 8.61%
2018 3.552.611.000 8.51%
2019 3.964.073.000 10.38%
2020 4.261.508.000 6.98%
2021 4.405.928.000 3.28%
2022 4.839.492.000 8.96%
2023 5.054.443.000 4.25%
2023 5.054.888.000 0.01%
2024 5.185.271.000 2.51%

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.

Lollands Bank A/S Liabilities
Year Liabilities Growth
2002 827.805.000
2003 875.017.000 5.4%
2004 950.165.000 7.91%
2005 1.124.539.000 15.51%
2006 1.234.191.000 8.88%
2007 1.314.747.000 6.13%
2008 1.308.343.000 -0.49%
2009 1.484.370.000 11.86%
2010 1.443.086.000 -2.86%
2011 1.369.747.000 -5.35%
2012 1.404.227.000 2.46%
2013 2.408.394.000 41.69%
2014 2.358.973.000 -2.1%
2015 2.324.515.000 -1.48%
2016 2.546.519.000 8.72%
2017 2.775.819.000 8.26%
2018 3.042.292.000 8.76%
2019 3.407.173.000 10.71%
2020 3.647.319.000 6.58%
2021 3.718.817.000 1.92%
2022 4.112.824.000 9.58%
2023 4.223.438.000 2.62%
2023 70.000.000 -5933.48%
2024 4.318.912.000 98.38%

Lollands Bank A/S Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
319.72
Net Income per Share
96.19
Price to Earning Ratio
5.72x
Price To Sales Ratio
1.72x
POCF Ratio
-103.92
PFCF Ratio
-99.4
Price to Book Ratio
0.69
EV to Sales
0.31
EV Over EBITDA
3.06
EV to Operating CashFlow
-18.67
EV to FreeCashFlow
-17.86
Earnings Yield
0.17
FreeCashFlow Yield
-0.01
Market Cap
0,59 Bil.
Enterprise Value
0,11 Bil.
Graham Number
1317.66
Graham NetNet
-4249.85

Income Statement Metrics

Net Income per Share
96.19
Income Quality
-0.05
ROE
0.12
Return On Assets
0.02
Return On Capital Employed
0.07
Net Income per EBT
0.76
EBT Per Ebit
1.36
Ebit per Revenue
0.29
Effective Tax Rate
0.24

Margins

Sales, General, & Administrative to Revenue
0.35
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.29
Pretax Profit Margin
0.39
Net Profit Margin
0.3

Dividends

Dividend Yield
0.03
Dividend Yield %
2.73
Payout Ratio
0
Dividend Per Share
15

Operating Metrics

Operating Cashflow per Share
-5.29
Free CashFlow per Share
-5.53
Capex to Operating CashFlow
-0.05
Capex to Revenue
0
Capex to Depreciation
-3.47
Return on Invested Capital
0.08
Return on Tangible Assets
0.11
Days Sales Outstanding
31.27
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
11.67
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.24

Balance Sheet

Cash per Share
-515,40
Book Value per Share
802,18
Tangible Book Value per Share
-3161.91
Shareholders Equity per Share
802.18
Interest Debt per Share
95.7
Debt to Equity
0.08
Debt to Assets
0.01
Net Debt to EBITDA
-13.95
Current Ratio
0.16
Tangible Asset Value
-3,41 Bil.
Net Current Asset Value
-3,73 Bil.
Invested Capital
1255864000
Working Capital
-3,06 Bil.
Intangibles to Total Assets
0.83
Average Receivables
0,02 Bil.
Average Payables
0,00 Bil.
Average Inventory
517616000
Debt to Market Cap
0.12

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.

Lollands Bank A/S Dividends
Year Dividends Growth
2005 25
2006 7 -257.14%
2007 10 30%
2008 7 -42.86%
2011 4 -75%
2016 5 20%
2017 10 50%
2019 10 0%
2024 15 33.33%

Lollands Bank A/S Profile

About Lollands Bank A/S

Lollands Bank A/S provides various banking products and services to private and corporate customers. It offers savings and loan products; housing finance and car loans; financing and commercial leasing products; investment products; pension and insurance products; payment solutions; and online banking services. Lollands Bank A/S has branches in the Maribo, Nakskov, Nykøbing F, and Vordingborg. The company was formerly known as Lollands Handels - og Landbrugsbank and changed its name to Lollands Bank A/S in 1977. Lollands Bank A/S was founded in 1907 and is headquartered in Nakskov, Denmark.

CEO
Mr. Allan Aaskov
Employee
121
Address
Nybrogade 3
Nakskov, 4900

Lollands Bank A/S Executives & BODs

Lollands Bank A/S Executives & BODs
# Name Age
1 Mr. Kurt Steen Hansen
Head of Branch Support
70
2 Mr. Allan Aaskov
Chief Executive Officer & Member of Executive Board
70
3 Peter Vaaben
Marketing Manager
70
4 Lise Bennike
Chief Financial Officer & Director
70
5 Mr. Ole Lindebjerg
Head of IT & Regulation
70
6 Jan Moller Kristensen
Deputy Head of Credit
70
7 Pia Berndt
Risk & Compliance Manager
70
8 Annette Jepsen
Chief Accountant
70
9 Ms. Connie Ahm
HR & Development Manager
70
10 Marianne Tambour Larsen
Controller
70

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