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Lollands Bank (LOLB) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Lollands Bank stock DKK 788, price DKK 914, that is 13.7% below the price, quality 55 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services DK · ISIN DK0060000107

LB Lollands Bank logo Some data Nov 6, 2026

Lollands Bank

LOLB · CO
Solid, but expensive

Our calculation puts a fair price 14% below what the stock costs today.

Highly profitable · 30.8% net margin (TTM)
3.0% dividend yield · Low payout
Ranks above peers (11/12)
Costs just 2.1 times its yearly profit.
Quality 55/100
Expensive Growth (revenue 5y +8.7 %/yr in DKK)
Wide moat 66/100 · thin data
Some data
Fair value kr 788.38 · Overvalued
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

kr 916.00 kr 433.61 Fair Value kr 788.38 Jul 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.

How to read this chart

60‑month range kr 433.61 – kr 916.00 · fair‑value band kr 657.59 – kr 914.28 · the kr 914.00 price screens above the kr 788.38 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 6, 2026.

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Company profile

Lollands Bank A/S operates as a full-service bank providing financial services to private individuals and commercial customers in Denmark.

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The company offers a range of general banking products and services, including deposit accounts, savings and loan products, housing finance and car loans, lending, financial leasing, guarantees, securities trading, and currency exchange.

It also provides pensions, insurance, investments, real estate transactions, general financing, debit and credit cards, cash cards, payment solutions; wealth advisory services; and online and mobile banking services. In addition, the company offers cash order, overdraft, and money transfer services.

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.

Stock analysis

Lollands Bank (LOLB) currently trades at kr 914.00, while our model-based Fair Value estimate is kr 788.38, 14% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of kr 876.79 per share, and 1 of the 6 models we run sit above the kr 914.00 price.

Bear case: the Asset-Based group reads lowest at kr 612.57, and 5 of the 6 models stay below the price. Data coverage for this calculation is medium.

Scenario range: kr 657.59 (bear) to kr 914.28 (bull), the price of kr 914.00 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 55/100 (solid quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Lollands Bank reported revenue of 324M DKK in FY2025 versus 215M DKK in FY2021, a compound +10.8%/yr. Reported net income was 89.8M DKK in FY2025, compounding +5.1%/yr from FY2021.

Key figures

Market cap 987M DKK (≈ $148M) Micro · P/E ratio 2.1 · P/S ratio 0.59 · EPS (TTM) kr 431.30 · Dividend yield 3.0% · Net margin 27.7% · Return on equity 9.6% · Return on assets (EBIT) 2.2% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 66 out of 100 (low confidence).

What moves the price

The share trades at its 52-week high and 19% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −14%, LOLB screens cheaper than that median.

Fair Value models

Bear kr 657.59 Fair Value kr 788.38 Bull kr 914.28
Price kr 914.00 · Downside -13.7%
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 346.02 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.
Best data coverage
Residual Income kr 743.73 kr 788.38 kr 885.91 76
Gordon GGM kr 38.85 kr 70.00 kr 96.36 68
DDM Multi-Stage kr 38.85 kr 60.87 kr 74.78 67
All 6 models by family
Dividend Discount
Gordon GGM kr 38.85 kr 70.00 kr 96.36 68
DDM Multi-Stage kr 38.85 kr 60.87 kr 74.78 67
Multiples
P/E Multiple kr 810.47 kr 1,081 kr 1,351 63
P/B Multiple kr 504.71 kr 672.94 kr 841.18 55
Asset-Based
NCAV (Graham) kr 457.14 kr 612.57 kr 914.28 54
Economic Profit
Residual Income kr 743.73 kr 788.38 kr 885.91 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 55/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 36
How much profit the company makes from its sales and capital
Quality Growth 38
Are margins and returns getting better?
Cashflow 33
Do the profits arrive as real cash?
Financial strength 59
Debt, balance sheet and risk of trouble
Investment 70
Does it invest with discipline instead of growing at any price?
Low Volatility 98
How calm the share price moves, does not count
Price momentum 47
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 73
Distance to the 52-week high, does not count
New shares 82
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

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. 45/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−4.7%
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.
+17.2%
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.
+8.7%
Start year 2020 (pandemic). Over 10 years: +5.7% a year
Revenue growth 23 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.
+6.2%
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.
+10.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+7.4%
Dividend (yield on the price)3.0%
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.7.4% vs 6.7%, steady
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.36% → 35%
Pace: the 5-year rate starts in 2020 (pandemic)

LOLB screens overvalued: fair value 14% below the price. Compare with China Merchants Bank Co →

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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 11/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 55 · Above median
Fair Value upside −13.7% · Above median
Profitability
Return on equity (12 months) 9.6% · Below median
Return on assets 1.5% · Top 25%
Net margin (12 months) 30.8% · Above median
Operating margin (12 months) 46.0% · Above median
Growth and dividend
Revenue growth (quarter YoY) 17.0% · Above median
Dividend yield (12 months) 3.0% · Above median
Balance sheet
Debt / equity 0.07× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 2.1× · Cheapest 25%
P/B 0.15× · Cheapest 25%
P/S (12 months) 0.49× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)15 · sector 8
FUTURE (revenue growth)85 · sector 47
PAST (return on equity)38 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)61 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs LOLB
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs LOLB
BNP Paribas SA BNP €91.93 €106.01 +15% vs LOLB
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs LOLB
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs LOLB
UniCredit S.p.A UCG €76.80 €50.44 −34% vs LOLB
Mizuho Financial Group MFG $9.40 $5.89 −37% vs LOLB
DBS Group D05 69.72 SGD 40.39 SGD −42% vs LOLB
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs LOLB
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs LOLB

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Lollands Bank: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Lollands Bank Fair Value". https://www.fairvalue-calculator.com/stock/LOLB

Frequently asked questions

Is Lollands Bank (LOLB) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of kr 788.38 versus a price of kr 914.00, about 14% lower (overvalued).
What is the fair value of LOLB?
Our model-based fair value for Lollands Bank is kr 788.38 (as of Nov 6, 2026), built from audited fundamentals. The current price: kr 914.00.
What is the quality score of LOLB?
Lollands Bank has a Quality Score of 55/100. 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 Lollands Bank (LOLB)?
Our model-based price target is the fair value of kr 788.38 (as of Nov 6, 2026) from 6 valuation models. Cautious scenario kr 657.59, optimistic scenario kr 914.28. It is a calculation from audited fundamentals, not an analyst target.
What is the Lollands Bank stock forecast for 2026?
Our models put fair value at kr 788.38, about 14% lower versus a price of kr 914.00 (overvalued). Cautious scenario kr 657.59, optimistic scenario kr 914.28. The calculation is refreshed regularly with new filings.
What is the revenue of Lollands Bank (LOLB)?
Lollands Bank reported trailing-twelve-month revenue of about 303M DKK (latest available figure, as of Nov 6, 2026).
Does Lollands Bank pay a dividend?
Lollands Bank currently shows a dividend yield of 3.04% relative to its recent price (as of Nov 6, 2026).
How much is the dividend of Lollands Bank (LOLB) and when is the ex-dividend date?
Lollands Bank pays a dividend of kr 27.80 per share a year, a dividend yield of 3.0%. The last ex-dividend date was Mar 26, 2026. A dividend has been paid every year since 2022. The payout ratio is 6.4% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Lollands Bank (LOLB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Lollands Bank it is kr 788.38 per share (as of Nov 6, 2026), against a price of kr 914.00. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Lollands Bank stock overvalued or undervalued in 2026?
As of Nov 6, 2026, LOLB trades above its calculated fair value: price kr 914.00, fair value kr 788.38, a gap of about −14% (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 LOLB?
No. The price is what the market pays today (kr 914.00); the fair value is what the company's own numbers justify (kr 788.38). For Lollands Bank the two are kr 125.62 per share apart. That gap is exactly why we show both numbers side by side.
How much is Lollands Bank worth?
The market values Lollands Bank at about 987M DKK (market capitalisation, as of Nov 6, 2026). Per share that is kr 914.00; our models calculate a fair value of kr 788.38 per share.
What do the bullish and bearish scenarios say about LOLB?
Our models span a range for Lollands Bank: cautious scenario kr 657.59, base kr 788.38, optimistic kr 914.28 per share (as of Nov 6, 2026, price kr 914.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of LOLB?
Lollands Bank trades at a price-to-earnings ratio of 2.1 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of kr 788.38 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 6.3. Other multiples: P/B 0.2, P/S 0.5.
How solid is the balance sheet of Lollands Bank (LOLB)?
Balance-sheet figures for Lollands Bank (as of Nov 6, 2026): return on equity 9.6%, debt of 0.07 per unit of equity. They feed the Quality Score of 55/100, which measures business quality independently of the share price.
How far is LOLB from its 52-week high?
Lollands Bank trades at kr 914.00, at its 52-week high of kr 916.00 and 19% above the low of kr 765.48 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of kr 788.38 is for.
Which stocks are comparable to Lollands Bank?
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 Lollands Bank stock attractive at the current price?
The data as of Nov 6, 2026: price kr 914.00, calculated fair value kr 788.38 (−14%), Quality Score 55/100, 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 LOLB calculated?
We run Lollands Bank 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 788.38 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. Lollands Bank 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 Lollands Bank (LOLB)?
The closing price on Nov 6, 2026 was kr 914.00. Our model-based fair value is kr 788.38, about 14% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Lollands Bank right now?
Solid but not exceptional quality (55/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Lollands Bank (LOLB) come from?
Earnings per share at Lollands Bank grew +9.3 % a year from 2015 to 2025. Broken into its drivers: revenue per share +6.5 %, EBIT margin +3.5 %, tax rate −0.9 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Lollands Bank

How large is the market capitalisation of Lollands Bank (LOLB)?
The market capitalisation of Lollands Bank is 987M DKK (≈ $148M). 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 Lollands Bank (LOLB)?
The price-to-sales ratio of Lollands Bank is 0.59 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Lollands Bank (LOLB)?
Earnings per share at Lollands Bank are kr 431.30 (price ÷ EPS = P/E 2.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Lollands Bank (LOLB)?
The dividend yield of Lollands Bank is 3.0% (payout 6.4%). 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 Lollands Bank (LOLB)?
The net margin of Lollands Bank is 27.7% (fiscal year 2025). 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 Lollands Bank (LOLB)?
The return on equity (ROE) of Lollands Bank is 9.6% (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 Lollands Bank (LOLB)?
On an EBIT basis the return on assets of Lollands Bank is 2.2% (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 Lollands Bank (LOLB)?
The operating margin of Lollands Bank is 46.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Lollands Bank (LOLB)?
Revenue at Lollands Bank is growing +17.0% versus a year earlier (3y avg +17.2%). 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 Lollands Bank (LOLB)?
Earnings per share at Lollands Bank are growing +55.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Lollands Bank (LOLB) generate?
The free cash flow of Lollands Bank is −193M DKK (fiscal year 2023). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Lollands Bank (LOLB) hold?
Lollands Bank holds more cash than debt, 834M DKK net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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