Ålandsbanken Abp, (ALBBV) Fair Value & Analysis
Financial Services · FI · Market cap €672M
Fair value as of: Jul 11, 2026
From 6 valuation models · updated 29 days ago
Fair value updated Jul 11, 2026, revised from €47.35 to €45.92 (−3.0%) since Jul 5, 2026. Share price +0.9% over the past month.
Below-average quality, currently priced close to our fair value.
What matters now
- The price sits close to our fair value, market and models broadly agree here, little valuation tension.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 11, 2026.
How to read this chart
60‑month range €21.57 – €49.80 · fair‑value band €34.44 – €57.40 · the €43.50 price screens below the €45.92 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 11, 2026.
Analysis
Ålandsbanken Abp, (ALBBV) currently trades at €43.50, while our model-based Fair Value estimate is €45.92, implying the stock looks roughly 5.6% fairly valued today. The Quality Score stands at 49/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Ålandsbanken Abp, generated revenue of €219M at a net margin of 24.7%. Revenue grew 0.9% year over year. It earns a return on equity of 16.9%. Net debt stands at €745M. Fundamentals as of Jul 11, 2026
Our scenario range runs from €34.44 (bear case) to €57.40 (bull case); at €43.50, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 15% below its 52-week high and 26% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 6%, ALBBV screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 6 models by family
Widest divergence: Dividend Discount (€34.02) versus Asset-Based (€14.09). Highest evidence: Residual Income (76).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 11, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 41 · Market factors (momentum, volatility) 62
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Ålandsbanken Abp, together with its subsidiaries, operates as a commercial bank for private individuals and companies in Finland and Sweden.
Full company description
Ålandsbanken Abp, together with its subsidiaries, operates as a commercial bank for private individuals and companies in Finland and Sweden. It offers deposit accounts, including savings accounts, time deposits, and cash accounts connected to securities accounts; digital services and insurance; cashier and payment intermediate services; debit and credit cards; the Premium concept; bank safety deposit boxes; and currency exchange services. The company also provides financial services, such as lending products and securities account loans. In addition, it offers Investment services, which include discretionary asset management, advisory asset management, mutual fund management, and securities brokerage; and IT as a service. Further, the company supplies banking computer systems for small and medium-sized banks. Ålandsbanken Abp was incorporated in 1919 and is headquartered in Mariehamn, Finland.The Bank of Åland was founded on Åland in 1919 and the group with its three subsidiaries. The bank was listed on the stock exchange in 1942 and has operations in Åland as well as in Finland and Sweden.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Ålandsbanken Abp, reported revenue of €296M in FY2025 versus €178M in FY2021, a compound +13.6%/yr. Reported net income was €54.6M in FY2025, compounding +8.2%/yr from FY2021.
Watch ALBBV: get an alert when its fair value changes →
Peer Group
Banks - Regional · 1083 stocks
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.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 11, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 184,400 KRW | 213,797 KRW | +16% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,970 IDR | 4,891 IDR | +65% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,310 IDR | 7,841 IDR | +82% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,900 KRW | 137,259 KRW | +27% |
| Hana Financial Group 086790 | 136,800 KRW | 193,969 KRW | +42% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 193.10 CLP | 152.55 CLP | -21% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
Compare Ålandsbanken Abp, with another stock
Price, fair value, quality and upside side by side.
Explore undervalued stocks
More undervalued Financial Services stocks →
Frequently asked questions
Is Ålandsbanken Abp, (ALBBV) overvalued or undervalued?
What is the fair value of ALBBV?
What is the quality score of ALBBV?
What is the revenue of Ålandsbanken Abp, (ALBBV)?
What is the net profit margin of ALBBV?
Does Ålandsbanken Abp, pay a dividend?
How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
Track Ålandsbanken Abp, and try Pro for 14 days
One email gets you 14 days of full Pro (review alerts, the 35,000+ stock screener, the diversification check) plus the monthly Top-25 report of the most undervalued quality stocks. No card, cancel anytime.
Zero risk: nothing is ever charged. After 14 days you decide whether to stay.