Ringkjøbing Landbobank A/S Logo

Ringkjøbing Landbobank A/S

RILBA.CO

(3.2)
Stock Price

1.157,00 DKK

3.16% ROA

22.68% ROE

11.65x PER

Market Cap.

27.434.998.592,00 DKK

93.39% DER

0.95% Yield

49.82% NPM

Ringkjøbing Landbobank A/S Stock Analysis

Ringkjøbing Landbobank 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.

Ringkjøbing Landbobank A/S Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (20.89%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 Revenue 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 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.

4 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.

5 ROA

The stock's ROA (2.77%) 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 PBV

The stock's PBV ratio (2.65x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

7 DER

The stock has a reasonable amount of debt compared to its ownership (95%), suggesting a balanced financial position and a moderate level of risk.

8 Net Profit Growth

Throughout the last three years, this company has experienced consistent net profit growth, reflecting a robust financial performance and making it an attractive investment prospect.

9 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (2.155) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

10 Graham Number

The company's Graham number suggests that its stock price is overestimated, implying that it may not be a promising investment opportunity.

11 Dividend Growth

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

Ringkjøbing Landbobank 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.

Ringkjøbing Landbobank A/S Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

Ringkjøbing Landbobank 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.

Ringkjøbing Landbobank A/S Revenue
Year Revenue Growth
2005 546.329.000
2006 712.961.000 23.37%
2007 613.420.000 -16.23%
2008 646.299.000 5.09%
2009 808.557.000 20.07%
2010 796.049.000 -1.57%
2011 768.989.000 -3.52%
2012 871.467.000 11.76%
2013 867.335.000 -0.48%
2014 972.243.000 10.79%
2015 952.776.000 -2.04%
2016 1.024.528.000 7%
2017 1.079.735.000 5.11%
2018 1.630.286.000 33.77%
2019 2.175.743.000 25.07%
2020 2.180.955.000 0.24%
2021 2.450.528.000 11%
2022 2.803.112.000 12.58%
2023 3.921.648.000 28.52%
2023 3.824.921.000 -2.53%
2024 5.260.392.000 27.29%

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.

Ringkjøbing Landbobank A/S Research and Development Expenses
Year Research and Development Expenses Growth
2005 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.

Ringkjøbing Landbobank A/S General and Administrative Expenses
Year General and Administrative Expenses Growth
2005 0
2006 204.038.000 100%
2007 229.755.000 11.19%
2008 16.148.000 -1322.81%
2009 55.785.000 71.05%
2010 0 0%
2011 97.275.000 100%
2012 106.909.000 9.01%
2013 102.750.000 -4.05%
2014 108.602.000 5.39%
2015 109.611.000 0.92%
2016 128.785.000 14.89%
2017 136.002.000 5.31%
2018 337.970.000 59.76%
2019 302.717.000 -11.65%
2020 292.120.000 -3.63%
2021 317.202.000 7.91%
2022 344.850.000 8.02%
2023 410.960.000 16.09%
2023 382.130.000 -7.54%
2024 401.760.000 4.89%

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.

Ringkjøbing Landbobank A/S EBITDA
Year EBITDA Growth
2005 529.982.000
2006 887.311.000 40.27%
2007 246.237.000 -260.35%
2008 990.062.000 75.13%
2009 685.008.000 -44.53%
2010 583.489.000 -17.4%
2011 441.609.000 -32.13%
2012 652.182.000 32.29%
2013 622.166.000 -4.82%
2014 754.658.000 17.56%
2015 692.223.000 -9.02%
2016 742.759.000 6.8%
2017 792.499.000 6.28%
2018 901.228.000 12.06%
2019 1.278.380.000 29.5%
2020 1.172.051.000 -9.07%
2021 1.568.404.000 25.27%
2022 2.100.345.000 25.33%
2023 2.954.268.000 28.9%
2023 2.871.048.000 -2.9%
2024 -24.448.000 11843.49%

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.

Ringkjøbing Landbobank A/S Gross Profit
Year Gross Profit Growth
2005 546.329.000
2006 712.961.000 23.37%
2007 613.420.000 -16.23%
2008 646.299.000 5.09%
2009 808.557.000 20.07%
2010 796.049.000 -1.57%
2011 768.989.000 -3.52%
2012 871.467.000 11.76%
2013 867.335.000 -0.48%
2014 972.243.000 10.79%
2015 952.776.000 -2.04%
2016 1.024.528.000 7%
2017 1.079.735.000 5.11%
2018 1.630.286.000 33.77%
2019 2.175.743.000 25.07%
2020 2.180.955.000 0.24%
2021 2.450.528.000 11%
2022 2.803.112.000 12.58%
2023 3.921.648.000 28.52%
2023 3.824.921.000 -2.53%
2024 5.260.392.000 27.29%

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.

Ringkjøbing Landbobank A/S Net Profit
Year Net Profit Growth
2005 264.596.000
2006 432.382.000 38.81%
2007 561.780.000 23.03%
2008 239.998.000 -134.08%
2009 232.081.000 -3.41%
2010 256.873.000 9.65%
2011 474.327.000 45.84%
2012 327.997.000 -44.61%
2013 357.660.000 8.29%
2014 445.861.000 19.78%
2015 458.665.000 2.79%
2016 539.498.000 14.98%
2017 588.640.000 8.35%
2018 663.192.000 11.24%
2019 978.265.000 32.21%
2020 919.714.000 -6.37%
2021 1.229.265.000 25.18%
2022 1.494.897.000 17.77%
2023 2.243.916.000 33.38%
2023 2.155.222.000 -4.12%
2024 2.259.052.000 4.6%

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.

Ringkjøbing Landbobank A/S Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2005 10
2006 16 37.5%
2007 22 27.27%
2008 9 -144.44%
2009 9 0%
2010 10 10%
2011 19 44.44%
2012 3 -800%
2013 3 0%
2014 4 33.33%
2015 4 0%
2016 5 25%
2017 26 84.62%
2018 25 -8.33%
2019 33 27.27%
2020 32 -6.45%
2021 43 27.91%
2022 54 20.37%
2023 82 33.33%
2023 81 -1.25%
2024 87 6.98%

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.

Ringkjøbing Landbobank A/S Free Cashflow
Year Free Cashflow Growth
2006 832.549.000
2007 1.406.846.000 40.82%
2008 -2.440.990.000 157.63%
2009 318.159.000 867.22%
2010 429.748.000 25.97%
2011 -33.108.000 1398.02%
2012 1.838.615.000 101.8%
2013 413.587.000 -344.55%
2014 445.635.000 7.19%
2015 -980.247.000 145.46%
2016 2.254.832.000 143.47%
2017 120.085.000 -1777.7%
2018 0 0%
2019 75.918.000 100%
2020 58.482.000 -29.81%
2021 71.586.000 18.31%
2022 66.069.999 -8.35%
2023 66.754.000 1.02%
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.

Ringkjøbing Landbobank A/S Operating Cashflow
Year Operating Cashflow Growth
2006 840.161.000
2007 1.417.530.000 40.73%
2008 -2.437.590.000 158.15%
2009 322.452.000 855.95%
2010 433.356.000 25.59%
2011 -28.840.000 1602.62%
2012 1.842.822.000 101.56%
2013 416.712.000 -342.23%
2014 451.546.000 7.71%
2015 -976.268.000 146.25%
2016 2.274.104.000 142.93%
2017 124.012.000 -1733.78%
2018 0 0%
2019 75.918.000 100%
2020 58.482.000 -29.81%
2021 71.586.000 18.31%
2022 66.069.999 -8.35%
2023 66.754.000 1.02%
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.

Ringkjøbing Landbobank A/S Capital Expenditure
Year Capital Expenditure Growth
2006 7.612.000
2007 10.684.000 28.75%
2008 3.400.000 -214.24%
2009 4.293.000 20.8%
2010 3.608.000 -18.99%
2011 4.268.000 15.46%
2012 4.207.000 -1.45%
2013 3.125.000 -34.62%
2014 5.911.000 47.13%
2015 3.979.000 -48.55%
2016 19.272.000 79.35%
2017 3.927.000 -390.76%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
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.

Ringkjøbing Landbobank A/S Equity
Year Equity Growth
2005 1.514.722.000
2006 1.710.790.000 11.46%
2007 1.778.561.000 3.81%
2008 1.784.790.000 0.35%
2009 2.055.773.000 13.18%
2010 2.312.344.000 11.1%
2011 2.483.120.000 6.88%
2012 2.676.140.000 7.21%
2013 2.901.100.000 7.75%
2014 3.098.608.000 6.37%
2015 3.296.098.000 5.99%
2016 3.554.655.000 7.27%
2017 3.816.918.000 6.87%
2018 7.188.690.000 46.9%
2019 7.609.876.000 5.53%
2020 8.145.875.000 6.58%
2021 8.722.673.000 6.61%
2022 9.294.762.000 6.15%
2023 10.041.923.000 7.44%
2023 10.451.204.000 3.92%
2024 10.593.312.000 1.34%

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.

Ringkjøbing Landbobank A/S Assets
Year Assets Growth
2005 13.360.604.000
2006 17.269.358.000 22.63%
2007 19.633.728.000 12.04%
2008 18.001.753.000 -9.07%
2009 17.927.956.000 -0.41%
2010 18.247.204.000 1.75%
2011 17.549.023.000 -3.98%
2012 17.681.546.000 0.75%
2013 19.582.821.000 9.71%
2014 21.237.908.000 7.79%
2015 22.317.429.000 4.84%
2016 24.258.137.000 8%
2017 25.796.483.000 5.96%
2018 49.650.528.000 48.04%
2019 52.940.894.000 6.22%
2020 54.862.129.000 3.5%
2021 60.357.388.000 9.1%
2022 68.979.581.000 12.5%
2023 73.254.450.000 5.84%
2023 73.519.640.000 0.36%
2024 75.616.121.000 2.77%

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.

Ringkjøbing Landbobank A/S Liabilities
Year Liabilities Growth
2005 11.845.882.000
2006 15.558.568.000 23.86%
2007 17.855.167.000 12.86%
2008 16.216.963.000 -10.1%
2009 15.872.183.000 -2.17%
2010 15.934.860.000 0.39%
2011 15.065.903.000 -5.77%
2012 15.005.406.000 -0.4%
2013 16.681.721.000 10.05%
2014 18.139.300.000 8.04%
2015 19.021.331.000 4.64%
2016 20.703.482.000 8.12%
2017 21.979.565.000 5.81%
2018 42.461.838.000 48.24%
2019 45.331.018.000 6.33%
2020 46.716.254.000 2.97%
2021 51.634.715.000 9.53%
2022 59.684.819.000 13.49%
2023 9.494.522.000 -528.62%
2023 63.068.436.000 84.95%
2024 65.022.809.000 3.01%

Ringkjøbing Landbobank A/S Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
181.32
Net Income per Share
90.33
Price to Earning Ratio
11.65x
Price To Sales Ratio
5.8x
POCF Ratio
767.67
PFCF Ratio
767.67
Price to Book Ratio
2.59
EV to Sales
6.77
EV Over EBITDA
20.47
EV to Operating CashFlow
895.37
EV to FreeCashFlow
895.37
Earnings Yield
0.09
FreeCashFlow Yield
0
Market Cap
27,43 Bil.
Enterprise Value
32,00 Bil.
Graham Number
908.6
Graham NetNet
-2298.61

Income Statement Metrics

Net Income per Share
90.33
Income Quality
0.02
ROE
0.23
Return On Assets
0.03
Return On Capital Employed
0.08
Net Income per EBT
0.76
EBT Per Ebit
1
Ebit per Revenue
0.66
Effective Tax Rate
0.24

Margins

Sales, General, & Administrative to Revenue
0.08
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.66
Pretax Profit Margin
0.66
Net Profit Margin
0.5

Dividends

Dividend Yield
0.01
Dividend Yield %
0.95
Payout Ratio
0
Dividend Per Share
10

Operating Metrics

Operating Cashflow per Share
1.37
Free CashFlow per Share
1.37
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.12
Return on Tangible Assets
0.03
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
194,70
Book Value per Share
406,20
Tangible Book Value per Share
367.76
Shareholders Equity per Share
406.2
Interest Debt per Share
419.53
Debt to Equity
0.93
Debt to Assets
0.13
Net Debt to EBITDA
2.92
Current Ratio
0.14
Tangible Asset Value
9,59 Bil.
Net Current Asset Value
-59,68 Bil.
Invested Capital
-30297852000
Working Capital
-31,52 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.36

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.

Ringkjøbing Landbobank A/S Dividends
Year Dividends Growth
2004 35
2005 100 65%
2006 110 9.09%
2007 6 -1733.33%
2008 30 80%
2011 12 -150%
2012 13 7.69%
2013 14 7.14%
2014 10 -40%
2015 26 61.54%
2016 30 13.33%
2017 36 16.67%
2018 9 -300%
2019 10 10%
2020 11 9.09%
2021 7 -57.14%
2022 7 0%
2023 7 0%
2024 10 30%

Ringkjøbing Landbobank A/S Profile

About Ringkjøbing Landbobank A/S

Ringkjøbing Landbobank A/S provides various banking products and services in Denmark. It offers various deposit products; loans and guarantees; mortgage credit commission; securities trading; asset management; custody accounts; foreign exchange; and payment handling services. Ringkjøbing Landbobank A/S was founded in 1886 and is headquartered in Ringkøbing, Denmark.

CEO
Mr. John Bull Fisker
Employee
660
Address
Torvet 1
Ringkøbing, 6950

Ringkjøbing Landbobank A/S Executives & BODs

Ringkjøbing Landbobank A/S Executives & BODs
# Name Age
1 Mr. Sten Erlandsen
Head of Treasury
70
2 Mr. John Bull Fisker
Chief Executive Officer & Member of the General Management
70
3 Mr. Jørn Nielsen
GM & Member of the Management Board
70
4 Mr. Claus Andersen
GM & Member of the General Management
70
5 Mr. Ole Bjerregaard Pedersen
Financial Manager
70
6 Mr. Henrik Haugaard
Chief Internal Auditor
70
7 Mr. Lars Hindø
Executive assistant & Head of Investor Relations
70
8 Mr. Carl Møller Pedersen
GM & Member of the Management Board
70

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