Møns Bank A/S Logo

Møns Bank A/S

MNBA.CO

(3.2)
Stock Price

220,00 DKK

1.95% ROA

14.22% ROE

5.01x PER

Market Cap.

456.000.000,00 DKK

16.97% DER

1.75% Yield

31.95% NPM

Møns Bank A/S Stock Analysis

Møns 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.

Møns Bank A/S Fundamental Stock Analysis
# Analysis Rating
1 Revenue Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

2 Assets Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

3 PBV

The stock's low PBV ratio (0.67x) suggests it's undervalued, making it an attractive opportunity for investors.

4 DER

The stock has a low debt to equity ratio (6%), which means it has a small amount of debt compared to the ownership it holds

5 Net Profit Growth

With continuous net profit growth in the past three years, this company demonstrates a strong financial performance, making it an enticing investment opportunity.

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 (963), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

8 ROE

The stock's ROE falls within an average range (10.36%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

9 ROA

The stock's ROA (1.38%) 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.

10 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

11 Dividend

Investors should note the absence of dividends from the company in the last three years, indicating potential financial challenges.

Møns 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.

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

Møns 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.

Møns Bank A/S Revenue
Year Revenue Growth
2003 60.326.000
2004 62.724.000 3.82%
2005 67.242.000 6.72%
2006 69.560.000 3.33%
2007 73.702.000 5.62%
2008 62.647.000 -17.65%
2009 96.338.000 34.97%
2010 87.495.000 -10.11%
2011 90.788.000 3.63%
2012 109.065.000 16.76%
2013 128.322.000 15.01%
2014 126.326.000 -1.58%
2015 127.176.000 0.67%
2016 145.902.000 12.83%
2017 146.675.000 0.53%
2018 151.251.000 3.03%
2019 165.575.000 8.65%
2020 170.855.000 3.09%
2021 174.510.000 2.09%
2022 201.531.000 13.41%
2023 266.276.000 24.31%
2023 264.869.000 -0.53%
2024 314.928.000 15.9%

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.

Møns Bank A/S Research and Development Expenses
Year Research and Development Expenses Growth
2003 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.

Møns Bank A/S General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 40.884.000
2004 40.289.000 -1.48%
2005 43.008.000 6.32%
2006 47.086.000 8.66%
2007 49.451.000 4.78%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 63.942.000 100%
2013 26.623.000 -140.18%
2014 28.215.000 5.64%
2015 28.799.000 2.03%
2016 32.332.000 10.93%
2017 36.901.000 12.38%
2018 38.266.000 3.57%
2019 38.613.000 0.9%
2020 39.861.000 3.13%
2021 44.669.000 10.76%
2022 45.963.000 2.82%
2023 0 0%
2023 48.878.000 100%
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.

Møns Bank A/S EBITDA
Year EBITDA Growth
2003 31.489.000
2004 26.058.000 -20.84%
2005 31.739.000 17.9%
2006 47.701.000 33.46%
2007 48.546.000 1.74%
2008 42.455.000 -14.35%
2009 37.214.000 -14.08%
2010 19.698.000 -88.92%
2011 540.000 -3547.78%
2012 23.105.000 97.66%
2013 -8.731.000 364.63%
2014 34.391.000 125.39%
2015 31.648.000 -8.67%
2016 41.810.000 24.31%
2017 43.945.000 4.86%
2018 46.613.000 5.72%
2019 42.683.000 -9.21%
2020 39.611.000 -7.76%
2021 60.743.000 34.79%
2022 52.059.000 -16.68%
2023 148.028.000 64.83%
2023 118.841.000 -24.56%
2024 4.000 -2970925%

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.

Møns Bank A/S Gross Profit
Year Gross Profit Growth
2003 60.326.000
2004 62.724.000 3.82%
2005 67.242.000 6.72%
2006 69.560.000 3.33%
2007 73.702.000 5.62%
2008 62.647.000 -17.65%
2009 96.338.000 34.97%
2010 87.495.000 -10.11%
2011 90.788.000 3.63%
2012 109.065.000 16.76%
2013 128.322.000 15.01%
2014 126.326.000 -1.58%
2015 127.176.000 0.67%
2016 145.902.000 12.83%
2017 146.675.000 0.53%
2018 151.251.000 3.03%
2019 165.575.000 8.65%
2020 170.855.000 3.09%
2021 174.510.000 2.09%
2022 201.531.000 13.41%
2023 266.276.000 24.31%
2023 264.869.000 -0.53%
2024 314.928.000 15.9%

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.

Møns Bank A/S Net Profit
Year Net Profit Growth
2003 39.605.000
2004 39.607.000 0.01%
2005 41.695.000 5.01%
2006 57.652.000 27.68%
2007 31.830.000 -81.12%
2008 6.860.000 -363.99%
2009 13.220.000 48.11%
2010 4.751.000 -178.26%
2011 -10.607.000 144.79%
2012 6.471.000 263.92%
2013 -15.742.000 141.11%
2014 18.316.000 185.95%
2015 20.956.000 12.6%
2016 22.540.000 7.03%
2017 29.364.000 23.24%
2018 30.684.000 4.3%
2019 34.068.000 9.93%
2020 28.432.000 -19.82%
2021 46.449.000 38.79%
2022 47.298.000 1.8%
2023 113.684.000 58.4%
2023 88.107.000 -29.03%
2024 80.496.000 -9.46%

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.

Møns Bank A/S Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 140
2004 140 0%
2005 147 4.76%
2006 204 27.59%
2007 113 -81.25%
2008 24 -366.67%
2009 9 -166.67%
2010 1 0%
2011 -1 0%
2012 4 100%
2013 -11 140%
2014 14 171.43%
2015 14 0%
2016 15 6.67%
2017 20 21.05%
2018 15 -26.67%
2019 15 0%
2020 13 -25%
2021 20 36.84%
2022 24 17.39%
2023 57 58.93%
2023 39 -47.37%
2024 40 5%

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.

Møns Bank A/S Free Cashflow
Year Free Cashflow Growth
2005 86.349.000
2006 -43.662.000 297.77%
2007 -49.134.000 11.14%
2008 -102.260.000 51.95%
2009 62.309.000 264.12%
2010 -39.757.000 256.72%
2011 -105.406.000 62.28%
2012 -119.490.000 11.79%
2013 84.403.000 241.57%
2014 22.306.000 -278.39%
2015 28.452.000 21.6%
2016 -25.628.000 211.02%
2017 404.721.000 106.33%
2018 -258.511.000 256.56%
2019 625.841.000 141.31%
2020 23.003.000 -2620.69%
2021 745.995.000 96.92%
2022 0 0%
2023 8.820.000 100%
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.

Møns Bank A/S Operating Cashflow
Year Operating Cashflow Growth
2005 89.000.000
2006 -42.993.000 307.01%
2007 -48.356.000 11.09%
2008 -101.146.000 52.19%
2009 63.881.000 258.34%
2010 -39.625.000 261.21%
2011 -103.185.000 61.6%
2012 -115.314.000 10.52%
2013 94.062.000 222.59%
2014 35.617.000 -164.09%
2015 40.384.000 11.8%
2016 -21.260.000 289.95%
2017 405.437.000 105.24%
2018 -257.426.000 257.5%
2019 628.070.000 140.99%
2020 23.586.000 -2562.89%
2021 746.428.000 96.84%
2022 0 0%
2023 8.820.000 100%
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.

Møns Bank A/S Capital Expenditure
Year Capital Expenditure Growth
2005 2.651.000
2006 669.000 -296.26%
2007 778.000 14.01%
2008 1.114.000 30.16%
2009 1.572.000 29.13%
2010 132.000 -1090.91%
2011 2.221.000 94.06%
2012 4.176.000 46.82%
2013 9.659.000 56.77%
2014 13.311.000 27.44%
2015 11.932.000 -11.56%
2016 4.368.000 -173.17%
2017 716.000 -510.06%
2018 1.085.000 34.01%
2019 2.229.000 51.32%
2020 583.000 -282.33%
2021 433.000 -34.64%
2022 0 0%
2023 0 0%
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.

Møns Bank A/S Equity
Year Equity Growth
2003 157.874.000
2004 176.749.000 10.68%
2005 192.005.000 7.95%
2006 221.208.000 13.2%
2007 237.657.000 6.92%
2008 238.966.000 0.55%
2009 252.600.000 5.4%
2010 256.243.000 1.42%
2011 247.008.000 -3.74%
2012 256.758.000 3.8%
2013 291.296.000 11.86%
2014 293.996.000 0.92%
2015 310.991.000 5.46%
2016 326.618.000 4.78%
2017 352.202.000 7.26%
2018 438.527.000 19.69%
2019 468.707.000 6.44%
2020 490.304.000 4.4%
2021 535.956.000 8.52%
2022 577.143.000 7.14%
2023 657.776.000 12.26%
2023 633.195.000 -3.88%
2024 645.685.000 1.93%

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.

Møns Bank A/S Assets
Year Assets Growth
2003 874.575.000
2004 919.454.000 4.88%
2005 1.137.530.000 19.17%
2006 1.264.469.000 10.04%
2007 1.276.555.000 0.95%
2008 1.302.836.000 2.02%
2009 1.411.768.000 7.72%
2010 1.406.745.000 -0.36%
2011 1.468.386.000 4.2%
2012 1.686.965.000 12.96%
2013 1.917.676.000 12.03%
2014 1.955.407.000 1.93%
2015 2.204.582.000 11.3%
2016 2.509.008.000 12.13%
2017 2.692.643.000 6.82%
2018 3.081.068.000 12.61%
2019 3.271.330.000 5.82%
2020 3.741.558.000 12.57%
2021 4.016.363.000 6.84%
2022 4.360.623.000 7.89%
2023 4.597.315.000 5.15%
2023 4.470.438.000 -2.84%
2024 4.679.029.000 4.46%

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.

Møns Bank A/S Liabilities
Year Liabilities Growth
2003 716.701.000
2004 742.705.000 3.5%
2005 945.525.000 21.45%
2006 1.043.261.000 9.37%
2007 1.038.898.000 -0.42%
2008 1.063.870.000 2.35%
2009 1.159.168.000 8.22%
2010 1.150.502.000 -0.75%
2011 1.221.378.000 5.8%
2012 1.430.207.000 14.6%
2013 1.626.380.000 12.06%
2014 1.661.411.000 2.11%
2015 1.893.591.000 12.26%
2016 2.182.390.000 13.23%
2017 2.340.441.000 6.75%
2018 2.642.541.000 11.43%
2019 34.866.000 -7479.13%
2020 34.946.000 0.23%
2021 34.768.000 -0.51%
2022 3.783.480.000 99.08%
2023 34.873.000 -10749.31%
2023 34.860.000 -0.04%
2024 4.033.344.000 99.14%

Møns Bank A/S Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
142.52
Net Income per Share
45.54
Price to Earning Ratio
5.01x
Price To Sales Ratio
1.6x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.71
EV to Sales
-3.16
EV Over EBITDA
-18.36
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.2
FreeCashFlow Yield
0
Market Cap
0,46 Bil.
Enterprise Value
-0,90 Bil.
Graham Number
575.13
Graham NetNet
-2382.55

Income Statement Metrics

Net Income per Share
45.54
Income Quality
0
ROE
0.14
Return On Assets
0.02
Return On Capital Employed
0.07
Net Income per EBT
0.76
EBT Per Ebit
0.96
Ebit per Revenue
0.43
Effective Tax Rate
0.24

Margins

Sales, General, & Administrative to Revenue
0.13
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.43
Pretax Profit Margin
0.42
Net Profit Margin
0.32

Dividends

Dividend Yield
0.02
Dividend Yield %
1.75
Payout Ratio
0
Dividend Per Share
4

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.13
Return on Tangible Assets
0.02
Days Sales Outstanding
5.63
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
64.84
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
-732,86
Book Value per Share
322,84
Tangible Book Value per Share
322.84
Shareholders Equity per Share
322.84
Interest Debt per Share
54.79
Debt to Equity
0.17
Debt to Assets
0.02
Net Debt to EBITDA
-27.65
Current Ratio
0.49
Tangible Asset Value
0,65 Bil.
Net Current Asset Value
-2,56 Bil.
Invested Capital
-1478853000
Working Capital
-1,50 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
1454623500
Debt to Market Cap
0.24

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.

Møns Bank A/S Dividends
Year Dividends Growth
2000 16
2001 16 0%
2002 16 0%
2003 12 -33.33%
2004 16 25%
2005 16 0%
2006 16 0%
2007 20 20%
2008 20 0%
2013 1 -1900%
2015 2 0%
2016 2 0%
2017 2 0%
2018 2 0%
2024 4 75%

Møns Bank A/S Profile

About Møns Bank A/S

Møns Bank A/S provides banking products and services to private, business, and association customers. The company offers housing loans, car loans, wealth management, local pool investment, mutual funds, share savings accounts, pension/insurance services, and mobile and online banking services. It operates through branches in Næstved, Rønnede, Præstø, and Vordingborg. The company was founded in 1877 and is headquartered in Stege, Denmark.

CEO
Ms. Annitta Hansen
Employee
107
Address
Storegade 29
Stege, 4780

Møns Bank A/S Executives & BODs

Møns Bank A/S Executives & BODs
# Name Age
1 Ms. Annitta Hansen
Chief Executive Officer of HR
70
2 Ms. Jannie Milo Larsen
Head of Support & Dispatching
70
3 Mr. Kim Andersen
Head of Risk Management & Compliance
70
4 Mr. Per Sjorup Christiansen
Bank Director
70
5 Ms. Betina Monberg Naestved
Head of Administration
70
6 Ms. Susanne Bille Jensen
Head of HR/Marketing/Service Department
70
7 Mr. Brian Arnvig
Manager of Customer & Sales
70
8 Ms. Loise Emilie Greve Naestved
Operations & Experience Manager
70
9 Mr. Bart Gyldenlove Roetink
Head of Business Advisers, Stege Business & Stege Private
70
10 Mr. Rasmus Svane
Chief Financial Officer
70

Møns Bank A/S Competitors

Skjern Bank A/S Logo
Skjern Bank A/S

SKJE.CO

(3.0)
Lollands Bank A/S Logo
Lollands Bank A/S

LOLB.CO

(2.5)
Nordfyns Bank A/S Logo
Nordfyns Bank A/S

NRDF.CO

(2.0)
Totalbanken A/S Logo
Totalbanken A/S

TOTA.CO

(3.0)
GrønlandsBANKEN A/S Logo
GrønlandsBANKEN A/S

GRLA.CO

(2.2)