Føroya Banki (FOBANK) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Føroya Banki stock DKK 263, price DKK 293, that is 10.1% below the price, quality 73 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 3, 2026.
How to read this chart
60‑month range kr 52.20 – kr 302.17 · fair‑value band kr 197.17 – kr 328.62 · the kr 292.50 price screens above the kr 262.90 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 3, 2026.
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Føroya Banki, together with its subsidiaries, provides personal and corporate banking services in the Faroe Islands and Greenland. It operates through Banking and Non-Life Insurance segments.
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The company provides non-life insurance products, such as property and casualty insurance; life, disability, and critical illness insurance; and real estate agency services. It also offers car loans, mortgage financing, debit and credit cards, pensions, as well as online banking services.
The company was formerly known as P/F BankNordik and changed its name to Føroya Banki in March 2024. Føroya Banki was founded in 1906 and is headquartered in Tórshavn, Denmark.
Stock analysis
Føroya Banki (FOBANK) currently trades at kr 292.50, while our model-based Fair Value estimate is kr 262.90, 10% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Dividend Discount group reads highest at a median of kr 371.35 per share, and 3 of the 6 models we run sit above the kr 292.50 price.
Bear case: the Asset-Based group reads lowest at kr 140.72, and 3 of the 6 models stay below the price. Data coverage for this calculation is medium.
Scenario range: kr 197.17 (bear) to kr 328.62 (bull), the price of kr 292.50 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 73/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Føroya Banki reported revenue of 609M DKK in FY2025 versus 508M DKK in FY2021, a compound +4.6%/yr. Reported net income was 288M DKK in FY2025, compounding +10.5%/yr from FY2021.
Key figures
Market cap 2.8B DKK (≈ $419M) Small · P/E ratio 10.7 · P/S ratio 4.75 · EPS (TTM) kr 27.23 · Dividend yield 7.2% · Net margin 44.0% · Return on equity 13.6% · Return on assets (EBIT) 1.9% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 71 out of 100 (low confidence).
What moves the price
The share trades about 3% below its 52-week high and 44% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −29% fair-value upside, at −10%, FOBANK screens cheaper than that median.
Fair Value models
Bearkr 197.17Fair Value kr 262.90Bullkr 328.62
Price kr 292.50 · Downside -10.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (kr 5.31 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.74/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−4.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.5%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.4%
Start year 2020 (pandemic). Over 10 years: −2.1% a year
Revenue growth 21 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−3.9%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+15.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+8.3%
Dividend (yield on the price)7.2%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.8.3% vs 2.9%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.41% → 58%
Pace: the 5-year rate starts in 2020 (pandemic)
⚠ Revenue per share shrinking 4.7%/yr over ~10Y (margin trend unclear) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Beats the industry median on 9/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score73 · Top 25%
Fair Value upside−10.1% · Above median
Profitability
Return on equity (12 months)13.6% · Above median
Return on assets1.9% · Top 25%
Net margin (12 months)44.0% · Top 25%
Operating margin (12 months)53.7% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)−13.7% · Bottom 25%
Dividend yield (12 months)7.2% · Top 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Føroya Banki Fair Value". https://www.fairvalue-calculator.com/stock/FOBANK
Frequently asked questions
Is Føroya Banki (FOBANK) overvalued or undervalued?
As of Nov 3, 2026, our model estimates a fair value of kr 262.90 versus a price of kr 292.50, about 10% lower (overvalued).
What is the fair value of FOBANK?
Our model-based fair value for Føroya Banki is kr 262.90 (as of Nov 3, 2026), built from audited fundamentals. The current price: kr 292.50.
What is the quality score of FOBANK?
Føroya Banki has a Quality Score of 73/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Føroya Banki (FOBANK)?
Our model-based price target is the fair value of kr 262.90 (as of Nov 3, 2026) from 6 valuation models. Cautious scenario kr 197.17, optimistic scenario kr 328.62. It is a calculation from audited fundamentals, not an analyst target.
What is the Føroya Banki stock forecast for 2026?
Our models put fair value at kr 262.90, about 10% lower versus a price of kr 292.50 (overvalued). Cautious scenario kr 197.17, optimistic scenario kr 328.62. The calculation is refreshed regularly with new filings.
What is the revenue of Føroya Banki (FOBANK)?
Føroya Banki reported trailing-twelve-month revenue of about 590M DKK (latest available figure, as of Nov 3, 2026).
Does Føroya Banki pay a dividend?
Føroya Banki currently shows a dividend yield of 7.19% relative to its recent price (as of Nov 3, 2026).
How much is the dividend of Føroya Banki (FOBANK) and when is the ex-dividend date?
Føroya Banki pays a dividend of kr 21.04 per share a year, a dividend yield of 7.2%. The last ex-dividend date was Mar 27, 2026. A dividend has been paid every year since 2021. The payout ratio is 77.3% of earnings. Our assessment: Sustainable. Payout and cash coverage both look sustainable.
What is the intrinsic value of Føroya Banki (FOBANK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Føroya Banki it is kr 262.90 per share (as of Nov 3, 2026), against a price of kr 292.50. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Føroya Banki stock overvalued or undervalued in 2026?
As of Nov 3, 2026, FOBANK trades above its calculated fair value: price kr 292.50, fair value kr 262.90, a gap of about −10% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of FOBANK?
No. The price is what the market pays today (kr 292.50); the fair value is what the company's own numbers justify (kr 262.90). For Føroya Banki the two are kr 29.60 per share apart. That gap is exactly why we show both numbers side by side.
How much is Føroya Banki worth?
The market values Føroya Banki at about 2.8B DKK (market capitalisation, as of Nov 3, 2026). Per share that is kr 292.50; our models calculate a fair value of kr 262.90 per share.
What do the bullish and bearish scenarios say about FOBANK?
Our models span a range for Føroya Banki: cautious scenario kr 197.17, base kr 262.90, optimistic kr 328.62 per share (as of Nov 3, 2026, price kr 292.50). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of FOBANK?
Føroya Banki trades at a price-to-earnings ratio of 10.7 (as of Nov 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of kr 262.90 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 5.7. Other multiples: P/B 1.4, P/S 4.7.
How solid is the balance sheet of Føroya Banki (FOBANK)?
Balance-sheet figures for Føroya Banki (as of Nov 3, 2026): return on equity 13.6%. They feed the Quality Score of 73/100, which measures business quality independently of the share price.
How far is FOBANK from its 52-week high?
Føroya Banki trades at kr 292.50, about 3% below its 52-week high of kr 302.17 and 44% above the low of kr 202.98 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of kr 262.90 is for.
Which stocks are comparable to Føroya Banki?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Føroya Banki stock attractive at the current price?
The data as of Nov 3, 2026: price kr 292.50, calculated fair value kr 262.90 (−10%), Quality Score 73/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of FOBANK calculated?
We run Føroya Banki through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of kr 262.90 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Føroya Banki itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Føroya Banki (FOBANK)?
The closing price on Nov 6, 2026 was kr 292.50. Our model-based fair value is kr 262.90, about 10% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Føroya Banki right now?
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly. The price sits in the upper half of our model range, so the margin of safety is thin. Read the verdict with care: some models are missing inputs, so the estimate scatters more than usual.
Key figures of Føroya Banki
How large is the market capitalisation of Føroya Banki (FOBANK)?
The market capitalisation of Føroya Banki is 2.8B DKK (≈ $419M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Føroya Banki (FOBANK)?
The price-to-sales ratio of Føroya Banki is 4.75 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Føroya Banki (FOBANK)?
Earnings per share at Føroya Banki are kr 27.23 (price ÷ EPS = P/E 10.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Føroya Banki (FOBANK)?
The dividend yield of Føroya Banki is 7.2% (payout 77.3%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Føroya Banki (FOBANK)?
The net margin of Føroya Banki is 44.0% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Føroya Banki (FOBANK)?
The return on equity (ROE) of Føroya Banki is 13.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Føroya Banki (FOBANK)?
On an EBIT basis the return on assets of Føroya Banki is 1.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Føroya Banki (FOBANK)?
The operating margin of Føroya Banki is 53.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Føroya Banki (FOBANK)?
Revenue at Føroya Banki is growing −13.7% versus a year earlier (3y avg +6.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Føroya Banki (FOBANK)?
Earnings per share at Føroya Banki are growing −25.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Føroya Banki (FOBANK) generate?
The free cash flow of Føroya Banki is 927M DKK (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Føroya Banki (FOBANK) hold?
Føroya Banki holds more cash than debt, 2.4B DKK net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Nov 3, 2026