Føroya Banki, (FOBANK) Fair Value & Analysis
Financial Services · DK · Market cap 2.7B DKK
Fair value as of: Jul 17, 2026
From 6 valuation models · updated 24 days ago
Fair value updated Jul 17, 2026, revised from kr 391.49 to kr 553.00 (+41.3%) since Jun 26, 2026. Share price +2.4% over the past month.
A solid business, screening 103% undervalued on our models.
What matters now
- The price is below even our cautious bear case (kr 414.75). The market is more pessimistic than our downside scenario.
- Solid quality (67/100) at a price below fair value, the discount is the argument here, not the business quality.
- 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 17, 2026.
How to read this chart
60‑month range kr 52.20 – kr 302.17 · fair‑value band kr 414.75 – kr 691.25 · the kr 272.00 price screens below the kr 553.00 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 17, 2026.
Analysis
Føroya Banki, (FOBANK) currently trades at kr 272.00, while our model-based Fair Value estimate is kr 553.00, implying the stock looks roughly 103.3% undervalued today. The Quality Score stands at 67/100 (solid 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, Føroya Banki, generated revenue of 614M DKK at a net margin of 46.1%. Revenue declined 1.9% year over year. It earns a return on equity of 15.5%. The balance sheet holds a net cash position of 2.4B DKK. Fundamentals as of Jul 17, 2026
Our scenario range runs from kr 414.75 (bear case) to kr 691.25 (bull case); at kr 272.00, the current price sits below 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 12% below its 52-week high and 68% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 103%, FOBANK screens cheaper 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 (kr 349.91) versus Asset-Based (kr 141.03). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 17, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 71 · Market factors (momentum, volatility) 74
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
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.
Full company description
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. 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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Føroya Banki, reported revenue of kr 609M in FY2025 versus kr 508M in FY2021, a compound +4.6%/yr. Reported net income was kr 288M in FY2025, compounding +10.5%/yr from FY2021.
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Peer Group
Banks - Regional · 1082 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 17, 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% |
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Frequently asked questions
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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.
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